Island Homes with FHA Terms

Island 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 Homes with FHA Terms

$530,000
5 Beds ⋅ 2 Baths ⋅ 2567820 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 5-bedroom, 2-bath home offering approximately 1,700 sq. ft. of comfortable and versatile living space. Thoughtfully refreshed throughout, this home is move-in ready and offers plenty of room to spread out.Step outside and discover a backyard designed to be enjoyed! Beautiful garden beds add charm and color, while the spacious yard provides room to relax, play, garden, and gather. The impressive outdoor living space features a gazebo, firepit, and patio—perfect for summer barbecues, evening get-togethers, or simply unwinding at the end of the day. Includes a storage shed that provides added space for tools, outdoor gear, and hobbies. Additional gravel parking alongside the home offers convenient space for an RV, boat, or other recreational toys. Located in town with easy access to local amenities and NAS Whidbey, this updated home combines space, convenience, and exceptional outdoor living. Come see all it has to offer.

1440 NE 7th Place, Oak Harbor

Listing courtesy of Real Broker LLC.

$685,000
2 Beds ⋅ 2 Baths ⋅ 2567278 MLS ⋅ ACTIVE Status
Stunning Island Rambler w/ breathtaking views! This meticulously maintained home offers incredible views of Port Susan Bay, Mount Baker, & the Cascade Mountain Range. Inside find vaulted ceilings, skylights, & an abundance of natural light. The spacious kitchen features solid wood cabinetry, beautiful slab granite countertops, a propane range, & a huge walk-in pantry. Wake up to fabulous views from primary suite w/ French doors opening to the back deck, a walk-in closet, & a private en-suite bath. A second bedroom, plus a versatile den that could easily be used as a third bedroom, & a full guest bath. Step outside to enjoy the expansive back deck spanning the length of the home. Partially covered and wired for a hot tub, it’s the perfect place to relax, entertain, & take in the peaceful surroundings. The beautifully landscaped, fenced backyard includes a garden area & tranquil water feature. Enjoy RV parking & the best of waterfront community living with three private beaches, including Beach 3 just a short stroll away. Spend your days boating, kayaking, fishing, crabbing, or clamming—or simply soaking in the incredible scenery. Come discover the beauty, privacy, & relaxed lifestyle of island living!

510 Sunnycrest Lane, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$649,000
2 Beds ⋅ 3 Baths ⋅ 2567507 MLS ⋅ ACTIVE Status
This unique property on Camano Island features a 1-bedroom, 1.5-bath main home and a 1-bedroom, 1-bath ADU, offering great potential for renovation or development. Nestled on 2.5 private acres, there is plenty of room to build your plans. This property boasts breathtaking views of Saratoga Passage, Whidbey Island, and the Olympic Mountains, providing a serene and picturesque setting. With untouched land and endless possibilities, this property is ideal for those seeking a personal retreat, investment opportunity, or future development project. Weather you plan to build your dream home or want to have an investment for income property, this might be the one you need to see. Camano Island is a no ferry island which makes the south end very private and secluded. Enjoy the quiet serenity of nature with western sunset views. Enjoy outdoor activities like whale watching, crabbing, fishing, and clamming. Embrace the island lifestyle with easy access to the mainland and amenities like a State Park, an 18-hole golf course, fun restaurants and a thriving art community. Don't miss the chance to experience the tranquility and beauty of Camano Island living! Septic system is approved for 3 bedroom.

4965 S Camano Drive, Camano Island

Listing courtesy of HomeSmart One Realty.

$590,000
3 Beds ⋅ 3 Baths ⋅ 2566835 MLS ⋅ ACTIVE Status
Spacious home on a secluded double lot. This 3 bdrm, 2.5 ba, has it all, featuring a master with it's own full ba & a guestroom with another full ba, just down the hall. The kitchen & living areas are spacious & "open concept". Stove, dishwasher, washer & dryer are updated. 3 decks take advantage of the sun in front & greenbelt off the backyard. The huge bonus room comes with a snooker sized pool table. Pads felt & slate are all in good condition & table, comes with a set of nine balls, cues & chalk. The bonus room has more room for darts, ping pong, exercise .This slider accesses the lower deck./ This space can accommodate many uses. A 3rd bd is in the lower level w/ its own deck. New carpet has been installed in all the carpeted stairs & rooms. Community club features a park & picnic area . Extra lot maintains your future privacy & has room for outdoor activities. Buyer is to verify all measurements & land uses with Island Co & HOA.

7905 Decatur Avenue, Clinton

Listing courtesy of Channel View RE Sales and Mgmt.

$749,000
4 Beds ⋅ 3 Baths ⋅ 2566938 MLS ⋅ ACTIVE Status
Discover the magic of Whidbey Island in this lovingly maintained home, perfectly positioned at the end of a private cul-de-sac with unobstructed views of Lone Lake. The spacious, fully fenced backyard is an entertainer’s delight, featuring a large patio, garden beds, and peaceful pastoral views where mares keep watch over their wobbly-legged foals. Inside you will find 4 bedrooms, an office/den, and bonus room providing abundant space for everyone. A covered front porch invites relaxed mornings and gathering with friends to watch the Osprey and Eagles diving for fish. This peaceful location is just minutes to Langley, Bayview, the Farmers Market and mainland ferry access. Lone Lake offers a boat launch, renowned fly-fishing, trophy rainbow trout, birdwatching, kayaking, day sailing and more. Bring your personal touches and thoughtful upgrades to create your Island Paradise...a wonderful full-time residence, weekend retreat, or investment opportunity!

5349 Apollo Road, Langley

Listing courtesy of Windermere Whidbey Island.

$1,485,000
4 Beds ⋅ 3 Baths ⋅ 2563731 MLS ⋅ ACTIVE Status
Picturesque Whidbey Island living on nearly seven fully fenced acres with peaceful ponds, pasture, garden space, and beautiful views of Puget Sound and the Olympic Mountains. The gracious three-bedroom home features vaulted ceilings, a river rock fireplace, a light-filled solarium family room, and a spacious deck for enjoying the peaceful setting and spectacular west-facing sunsets. A detached two-car garage and shop features a private one-bedroom ADU above, offering wonderful flexibility for guests, extended living, or income potential. With a fire pit, RV hookup, chicken coop, fruit trees, private well, abundant sunshine, and plenty of room for animals and outdoor living, this one-of-a-kind property offers exceptional privacy and space in a convenient central South Whidbey location near Bayview Corner and Highway 525. This is home!

5537 Bayview Road, Langley

Listing courtesy of Windermere RE/South Whidbey.

$505,000
3 Beds ⋅ 2 Baths ⋅ 2567022 MLS ⋅ ACTIVE Status
Step inside and you'll immediately notice the vaulted ceilings, bringing an open, airy feel to this comfortable Oak Harbor rambler. With 3 bedrooms, 2 baths, and approximately 1,654 square feet, there's plenty of room to spread out while still enjoying the ease of one level living. The living room and dining area come together naturally, giving you a comfortable space to gather, relax, and enjoy time at home. The kitchen offers plenty of cabinet space, a walk-in pantry, and a seating area that looks out toward the backyard. The primary bedroom features its own en suite bathroom and walk-in closet, while two additional bedrooms and a full bath give you room to make the space your own, whether you need a guest room or office. Outside, the covered patio gives you a comfortable spot to enjoy the backyard in just about any weather. The fully fenced yard has room for a garden, summer barbecues, pets, or simply a little space to relax and unwind. Tucked into one of Oak Harbor's charming neighborhoods, you're close to NAS Whidbey, schools, parks, shopping, restaurants, and the everyday places that make life convenient. With a comfortable layout and one level living, this home makes it an easy place to settle into and make your own.

229 NW Cherry Hill Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$585,000
3 Beds ⋅ 3 Baths ⋅ 2567050 MLS ⋅ ACTIVE Status
Set on over half an acre, this spacious +/- 2,776 sq ft home offers room to spread out both inside and out. The main level features a kitchen and dining area that flow into the living room, while a separate family room with a propane stove provides a cozy place to relax. Step onto the deck and take in peaceful water and mountain views. The primary bedroom features its own 3/4 ensuite bath, with a separate full bath conveniently located on the main floor. The lower level offers two additional bedrooms, a 3/4 bath, and a large rec room with plenty of space to relax, gather, or enjoy your favorite hobbies. Outside, the generous lot gives you room to garden, entertain, or simply enjoy the space and privacy. A detached two car garage provides additional storage and parking, with plenty of extra parking available on the driveway. A brand new roof and redesigned septic system add valuable peace of mind, while you can focus on making the most of the home's generous spaces, expansive lot, and beautiful partial water and mountain views.

581 Olympic View Drive, Coupeville

Listing courtesy of Windermere Whidbey Island.

$669,000
2 Beds ⋅ 2 Baths ⋅ 2566037 MLS ⋅ ACTIVE Status
Charming South Whidbey home with flexible living spaces! Built in 2016 and ideally located in the desirable Campbell's Glen neighborhood, this thoughtfully designed home offers convenient access to the ferry, schools, shopping, and everyday amenities. Energy-efficient and beautifully maintained, the two-bedroom floor plan is both functional and inviting. The light-filled main level features an open-concept living, dining, and kitchen area that's perfect for gathering. The spacious kitchen showcases granite countertops, maple cabinetry, stainless steel appliances, and a generous walk-in pantry. A 3/4 bath, practical mud area, & a cozy office or den nook add everyday convenience. Upstairs, you'll find both bedrooms, the laundry area, and a versatile bonus room with a freestanding propane fireplace—ideal for your specific needs! The upper landing provides additional flexible space for a reading nook, workspace, play area, or home gym. Beautiful natural materials enhance the home's warmth, with bamboo flooring on the main level and fir flooring upstairs finished using traditional Danish soap for a distinctive, timeless look. Outside, the lower level opens to an enchanting garden and greenhouse, where old-fashioned flowers, herbs, and vegetables create a lush, cottage-inspired landscape with an organic, relaxed feel. Completing the property is a finished two-car garage with 220-volt power. Here is your next chapter of Island Living waiting for you in this appealing package!

4194 Moorland Place, Clinton

Listing courtesy of Keller Williams Realty Bothell.

$535,000
4 Beds ⋅ 3 Baths ⋅ 2566108 MLS ⋅ ACTIVE Status
Move in ready 4 bedroom two story home offers the perfect blend of prime location and great floorplan. Light filled rooms are perfect size and flow seemlessly from one to another. Large kitchen has laminate floors, breakfast bar and stainless steel appliances with potential to add more cabinets and an island. Family room off the kitchen has a slider to back patio and wood burning fireplace. Living and Dining rooms have bay windows. Upstairs you will find an extra large master bedroom with full bath and walk in closet. Each bedroom has terrific exposure. Level fully fenced rear yard is a blank slate and offers endless possibilities. The sundrenched yard will be perfect for garden spaces, raise your own chickens, and ideal setting for outdoor entertaining. New roof just recently installed. Forced air gas heating. Conveniently located in a quiet and desirable neighborhood within walking distance of Oak Harbor High School and Hillcrest Elementary. Just minutes to NAS Whidbey! Ready for it's new owner to love and add personal touches. Enter this cheerful home and it will have you saying Home Sweet Home!

1620 NW Outrigger Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$560,000
4 Beds ⋅ 3 Baths ⋅ 2566111 MLS ⋅ ACTIVE Status
Set in the established Highlands West neighborhood, this spacious Oak Harbor home offers room to settle in, spread out, and enjoy everyday life with ease. A light-filled entry with soaring ceilings opens to formal living and dining spaces, where wainscoting and crown molding add a polished touch. At the heart of the home, the generous kitchen features a large granite-topped island, abundant cabinetry, and an easy connection to the family room and its cozy gas fireplace. The expansive primary suite includes a walk-in closet and private full bath, while the laundry and mudroom provide practical storage for busy days. Outside, the fully fenced backyard is ready for relaxing, gardening, or gathering, complete with a deck, storage shed and a dedicated concrete RV parking pad which adds even more flexibility. With multiple schools and conveniences nearby, this location keeps daily routines comfortably close to home.

594 SW Regency Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$585,000
3 Beds ⋅ 2 Baths ⋅ 2565423 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 3-bedroom, 2-bath home with a bonus room, situated on just over 2.5 acres. The fully remodeled kitchen features newer cabinetry, composite countertops, an upgraded sink, and newer stainless steel appliances. Enjoy newer LVP flooring, vinyl windows, doors, fixtures, recessed lighting, and a newer garage door with opener. Stay cozy with the pellet stove and appreciate the spacious dining room and oversized laundry room with pantry. Outside offers a detached 2-car shop, fenced front yard, fruit trees, fire pit, chicken coop, RV/generator hookup, new roof (2025), and an extensively updated septic system, including a new drain line, pump, and air pump (2023). Move-in ready!

216 E Sleeper Road, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

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