Island County Homes with FHA Terms

Island County Homes with FHA Terms

Welcome to Island County, located in the beautiful state of Washington, USA. This county offers a wonderful mix of natural beauty, vibrant communities, and a thriving real estate market. If you're looking for a home with FHA terms, you're in luck!

Island County is known for its stunning landscapes, with picturesque views of the Puget Sound, lush forests, and majestic mountains. The county is made up of two main islands, Whidbey and Camano, each offering their own unique charm and attractions.

When it comes to real estate, Island County has a range of options to suit every taste and budget. Whether you're looking for a cozy cottage by the water, a spacious family home in a friendly neighborhood, or a luxurious retreat with breathtaking views, you'll find it here.

One of the advantages of buying a home in Island County is the availability of FHA terms. FHA loans are government-backed mortgages that offer flexible financing options, making homeownership more accessible for many buyers. With FHA terms, you can enjoy a lower down payment requirement, competitive interest rates, and more lenient credit requirements.

So, if you're dreaming of owning a home in Island County, rest assured that there are options available to make your dreams a reality. Explore the diverse real estate market, take advantage of FHA terms, and start enjoying the unparalleled beauty and quality of life that Island County has to offer.

Newest Island County Homes with FHA Terms

1800 SW Union Street, Oak Harbor
$659,000
3 Beds ⋅ 2 Baths ⋅ 2587078 MLS ⋅ ACTIVE Status
Beautiful elegance awaits in this exquisite one-story home nestled in the highly desired Oak Harbor neighborhood of Fireside. Thoughtfully designed with timeless style and quality finishes throughout, this exceptional residence offers an inviting open and vaulted-concept floor plan with an effortless flow for both everyday living and entertaining. The formal living and dining rooms provide an elegant setting for special occasions, while the comfortable family room, complete with gas fireplace, creates a rich warmth and welcoming gathering space. The well appointed kitchen features stainless steel appliances, granite countertops and abundant workspace, opening to a charming dining area highlighted by a cheery bay window. Enjoy views of the immensely private backyard, flanked by a row of stately maple trees and inviting patio beyond—an ideal setting for morning coffee, outdoor dining or relaxing around the bbq with friends. Throughout the home, travertine and hardwood flooring add sophistication and warmth, complemented by custom window treatments with remote controls that enhance the home's refined character. Additional features include central vacuum and built-in surround sound, providing both convenience and an elevated living experience, with the recent addition of central air conditioning. With its desirable single-level design, exceptional finishes and sought-after location, this is a home that combines comfort, elegance and easy living in one well designed package.

1800 SW Union Street, Oak Harbor

Listing Broker: Coldwell Banker Bain; Chuck Occhiogrosso; 360-224-5100; chuck@dreamhomesnw.com

1330 Winston Drive, Freeland
$600,000
3 Beds ⋅ 2 Baths ⋅ 2590763 MLS ⋅ ACTIVE Status
Water-view home in Holmes Harbor with a main-floor primary, looking out over the harbor and Mount Rainier. The two guest bedrooms are upstairs, so everyday living stays on one level and visitors have a floor to themselves. Most of the living areas take in the view and get plenty of sun, and large skylights bring light deep into the house and open up views from upstairs. The wraparound deck takes in the full view, and the upstairs guest bedroom shares the Rainier view. Detached garage. Freeland Water District. Groceries, hardware, and the Holmes Harbor boat launch are a few minutes away in Freeland, with Langley and the Clinton ferry about 20 minutes south. The lot next door is listed separately, for a buyer who wants more room and to help keep the view line open. Behind the house, the property backs to the former Holmes Harbor golf course, now open green space, so the view out back stays quiet and open.

1330 Winston Drive, Freeland

Listing Broker: COMPASS; Josh Murphy; 360-390-2954; josh@thewhidbeycollective.com

3302 Taylor Road, Oak Harbor
$849,000
3 Beds ⋅ 3 Baths ⋅ 2592623 MLS ⋅ ACTIVE Status
Welcome to this inviting country-setting home, thoughtfully designed with flexible living spaces, new carpet, abundant storage, and room to enjoy the outdoors. Beautifully landscaped grounds feature raised garden beds, multiple outbuildings, a covered back porch/patio, and a spacious 3-car garage with built-in storage shelving. Inside, the open-concept main level connects the living, dining, and kitchen areas for easy everyday living and entertaining. The eat-in kitchen offers a large center island, stainless steel appliances, generous pantry storage & ample cabinetry. A main-floor bedroom provides an excellent option for a home office, guests, or flexible use, with a nearby ¾ bath. Upstairs, the expansive primary suite features vaulted ceiling & a well-appointed ensuite with dual vanities, a soaking tub, designer tile & walk-in closet with built-in shelving. The upper level also includes an oversized flex room, ideal as a media room, lounge, playroom, home gym, or potential additional bedroom—plus a dedicated laundry room, more storage, full shared bath & 2 additional bedrooms. Located just minutes from the Highway 20, this country-setting home offers convenient access to restaurants, shopping, schools, and NAS Whidbey Island—providing a comfortable balance of peaceful living and everyday accessibility.

3302 Taylor Road, Oak Harbor

Listing Broker: Better Homes&Gardens McKenzie; Jim Woessner; 360-929-2302; jim@mckenziebhg.com

950 SE 4th Avenue, Oak Harbor
$498,000
4 Beds ⋅ 2 Baths ⋅ 2589221 MLS ⋅ ACTIVE Status
Beautifully remodeled 4 bedroom home with updates throughout plus it is situated on a spacious fenced 1/3 acre lot. Enjoy the covered back deck overlooking the expansive yard, fruit trees, super handy garden/tool shed, and a large detached double carport which could be ideal for the backyard mechanic or a wonderful picnic/BBQ area! Major updates include concrete siding, Milgard windows, plumbing, flooring, plus a nearly new metal roof installed in 2021. The living room boasts a natural gas fireplace; perfect for those chilly nights! Lots of impressive custom millwork, while the kitchen features beautiful cabinets, quartz counters, & stainless steel appliances. Don’t miss the flex room upstairs with huge walk in closet, perfect for a 4th bedroom or home office with plenty of extra storage area. Super convenient to all services, Neil park is just down the street, and NAS Whidbey is literally 5-10 minutes away. Move right in, call it home & enjoy!!

950 SE 4th Avenue, Oak Harbor

Listing Broker: Better Homes&Gardens McKenzie; Craig McKenzie; 360-929-1712; craig@mckenziebhg.com

262 Moonstone Place, Oak Harbor
$555,000
3 Beds ⋅ 2 Baths ⋅ 2591616 MLS ⋅ ACTIVE Status
If you have a home business that needs a shop come check this one out. This is your opportunity to have it all! Located on North Whidbey on a large five acre parcel away from it all, and with your own private well. Home is nearly 2000 sq ft with three bedrooms, two full baths plus a dining room, den, and large living room with a energy saving wood stove for cozy added heat. The cook will love the huge kitchen with lots of natural lights from skylights and plenty of windows. Bring your imagination and picture your self here...

262 Moonstone Place, Oak Harbor

Listing Broker: Windermere Whidbey Island; Linda J. Earnhart; 360-929-0922; lindajayne813@gmail.com

410 Silver Lake Road, Oak Harbor
$799,900
3 Beds ⋅ 4 Baths ⋅ 2587208 MLS ⋅ ACTIVE Status
Escape the hustle and bustle without losing convenience! Tucked away on a sprawling 2.6 acre level lot, this fully updated home offers the ultimate country retreat, perfectly balancing secluded country privacy with everyday community convenience. Minutes from schools, parks, downtown Oak Harbor, and Cornet Bay and Oak harbor marina for the boating enthusiasts! Featuring 3 beds, 3.25 baths ensuring battle free mornings. Large updated kitchen with new appliances flows nicely to living space with large windows framing your private forest views, enjoy Cozying up by the wood stove on chilly evenings for movie nights and holiday gatherings. You'll love the large primary bedroom with spa tub, walk in shower, huge walk in closet, and gas fireplace. The sunroom leads you to a large brick courtyard great for entertaining with a heated inground pool and spa!! Off the courtyard you'll find a 3/4 bathroom, flex room, and separate bonus room, offering flexibility as a game room, hobby room, home office or guest suite. Besides the two car attached garage you'll love the huge shop with, 220, w/d hookups, loft, work shop & 1/2 bath for all your hobbies and toys. New septic 2019. New roof, heating system with A/C, exterior and interior paint, and flooring in 2023, to many upgrades to list. A must see! Welcome home!!

410 Silver Lake Road, Oak Harbor

Listing Broker: Coldwell Banker 360 Team; William Lapthorne; 360-544-2136; bill.l@cb360team.com

2043 SW Dillard Lane, Oak Harbor
$529,000
3 Beds ⋅ 2 Baths ⋅ 2592373 MLS ⋅ ACTIVE Status
Set on a quiet dead-end street in the heart of Oak Harbor and just steps to Windjammer Park and the beach, this charming coastal three-bedroom, single-story home pairs thoughtful style with fantastic nearby amenities. Step inside to the cozy living room featuring a fireplace and large windows. Refined details like luxury vinyl plank flooring, updated doors, trim, and light fixtures create a polished, cohesive feel from room to room. The spacious kitchen invites easy entertaining, while the oversized laundry room with exterior access and the generously proportioned bedrooms offer comfort and function. Fresh exterior paint, new exterior light fixtures, and a newly painted deck present beautifully from the moment you arrive. Beyond the new privacy fence, the fully enclosed backyard feels like a private retreat for quiet mornings and relaxed evening gatherings. The additional 600 square foot detached building adds rare versatility as a private gym, creative studio, guest quarters, or screening room with its theater screen and projector. Stroll to Windjammer Park, the splash pad, enjoy the walking path to the marina, or utilize the private neighborhood beach access just down the street. And, as if you need more, Oak Harbor dining, shopping, schools and NAS Whidbey are only minutes away. Coastal charm, curated updates, and a walkable lifestyle make this sweet space a must-see!

2043 SW Dillard Lane, Oak Harbor

Listing Broker: Real Broker LLC; Jeff Vallejo; 855-450-0442; jeff@teamvallejonw.com

1178 Olson Road, Coupeville
$1,270,000
3 Beds ⋅ 3 Baths ⋅ 2591841 MLS ⋅ ACTIVE Status
On a warm summer evening, there’s no better place to be than the 400 sq. ft. porch. You will enjoy watching the sunset, taking in the Olympic Mountains, and listening to the frogs. It’s the kind of simple moment that makes this 3.5-acre Coupeville property feel like home. Completely remodeled in 2023, the 3-bedroom, 3-bath main home has room to gather and spread out. The kitchen is the heart of the home, with an impressive 15-foot island and a 12-foot double sliding door opening to an expansive patio overlooking the property and fruit trees. A wood-burning fireplace anchors the living room, while an office, den and family room provide flexible spaces for everyday life. Built in 2023, the detached 1,000 sq. ft. ADU offers 2 bedrooms, a ¾ bath, its own covered porch and deck, hot tub, Olympic Mountain views, and an oversized 2-car garage. Multiple outbuildings, RV hookup and generator wiring add even more flexibility to the property. There’s room here for gardens, hobbies, animals, or simply enjoying a little more space around you. And when you want to get even closer to the water, West Beach is just minutes away. Set at the corner of a dead-end road and offered for sale for the first time, it’s a little piece of Whidbey that’s hard to duplicate.

1178 Olson Road, Coupeville

Listing Broker: Coldwell Banker 360 Team; Camden Schutte; 360-293-4511; camden@JRPCLLC.com

13 Torrence Lane, Oak Harbor
$399,950
1 Beds ⋅ 2 Baths ⋅ 2591418 MLS ⋅ ACTIVE Status
Ready to build your dream home? This flat, usable 2-acre parcel on Torrance Lane has been thoughtfully improved and prepared for a variety of possibilities. A newly built 36' x 40' shop offers incredible space for vehicles with 12x10 and 10x10 shop doors, store equipment, hobbies, or woodshed, plus approximately 460 sq. ft. of heated and conditioned finished space with a full bathroom. Also included in the sale is a 40' 2019 Keystone Residence park trailer, providing added flexibility while you plan your next chapter. Major infrastructure is already in place, including an existing 2-bedroom septic system, public water district service, and robust 320-amp robust electrical service to the property/structures. Bring your vision—design and build a custom home, explore the potential for a new manufactured home, or simply enjoy the property and improvements already in place. With level acreage, a substantial shop, utilities, and existing septic, much of the groundwork has already been done. A unique opportunity to create the property you've been looking for that is both close to town and a private setting. Enjoy shopping and easy access to Highway 20 moments from your door steps!

13 Torrence Lane, Oak Harbor

Listing Broker: John L. Scott Snohomish; Pete Keating; 425-418-4191; petekeating@johnlscott.com

1878 Shore Avenue, Freeland
$1,800,000
2 Beds ⋅ 2 Baths ⋅ 2592281 MLS ⋅ ACTIVE Status
Welcome to Shore Ave, one of Whidbey Island's most sought-after beach communities. Own your slice of paradise with 35+/- ft of pristine no-bank waterfront on Useless Bay, where you step from the deck straight onto the sand. This single-level 1941 beach cottage offers 2 bedrooms and 1.75 baths, with breathtaking views of Mt. Rainier and the Seattle skyline across the water. Recent updates include a metal roof, new carpet and fresh interior and exterior paint, so the cottage is ready to enjoy from day one. Expansive decks make the most of the setting and lead directly to your private beach and tidelands, all on an 11,326 sq ft lot. Named "Useless" by early sailors who couldn't anchor their large ships here, the bay is anything but. Its unique geography reveals nearly 1,000 ft of sugar-sand beach at low tide, perfect for beachcombing, long walks and everything else that comes with beachfront living. One level, no bank and one of the most coveted beaches in the Pacific Northwest: this is the Whidbey Island waterfront cottage you have been waiting for.

1878 Shore Avenue, Freeland

Listing Broker: Windermere RE North, Inc.; Christopher Wesley Rigby; 425-220-0621; crigby@windermere.com

248 Scotland Drive, Camano Island
$549,900
3 Beds ⋅ 2 Baths ⋅ 2591915 MLS ⋅ ACTIVE Status
Camaloch on Camano Island is a highly desired and sought after neighborhood offering a community owned 18 hole golf course and pro shop, two outdoor swimming pools, a lake stocked with trout, and a community chalet available for functions by owners, plus water and road maintenance, all for $1500 per year! Close to Camano Plaza shopping center and only 6 miles to Stanwood. This 3 bedroom rambler has had multiple upgrades to all rooms in the home. The kitchen is open to dining and living area with a gas fireplace, there are 3 bedrooms and a den/office, the primary has a walk in tile shower. All appliances are included including gas range, built in microwave, refrigerator, dishwasher, and washer and dryer. There is a nice detached 2 car garage finished inside just steps from main entry and deck, plus a covered rear deck looking across the beautiful landscaped yard. This home is move in ready with easy living.

248 Scotland Drive, Camano Island

Listing Broker: North48 Real Estate; Dan Lien; 425-327-4909; camanobroker@gmail.com

2137 Tilbury Lane, Oak Harbor
$695,000
3 Beds ⋅ 3 Baths ⋅ 2589578 MLS ⋅ ACTIVE Status
Tucked away in a private cul-de-sac community in Oak Harbor, this spacious 2,489 sq ft home offers 3 bedrooms plus a bonus room, 2.5 baths, and plenty of room to spread out. The main-level primary suite features a full ensuite bath, while both a generous living room and a separate family room provide flexible spaces for everyday living and entertaining. The family room invites you with its vaulted ceiling, skylights, and cozy gas fireplace. At the heart of the home, the spacious kitchen features granite countertops and a walk-in pantry. Heat pump with A/C means you'll stay comfortable inside year-round. But outside is where this property really sets itself apart. Out back, a gazebo and flowing river water feature create a peaceful backyard oasis while an electric awning provides shade over the deck. Covered RV or boat parking includes electrical hookup, lighting, and water—ready for your toys and adventures. Located on the west side of Whidbey Island it's just a short drive to two beaches, with convenient access to Oak Harbor, NAS Whidbey Island, shopping, dining, and everyday amenities. Space, privacy, flexibility, and some fantastic extras all await you on Tilbury Lane.

2137 Tilbury Lane, Oak Harbor

Listing Broker: COMPASS; Don Jaques; 360-672-5447; don.j@compass.com

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