Jefferson Homes with FHA Terms

Jefferson Homes with FHA Terms

Jefferson County, located in the state of Washington, is a beautiful area known for its stunning natural landscapes and vibrant communities. Situated in the northwestern part of the United States, this county offers a perfect blend of scenic beauty and urban amenities.

Homebuyers in Jefferson County have the advantage of exploring various housing options, including those with FHA terms. FHA, or Federal Housing Administration, loans provide potential homeowners with more flexible financing options, making it easier for them to purchase their dream homes.

With FHA terms, buyers can benefit from a lower down payment requirement, allowing them to enter the housing market with less initial investment. Additionally, FHA loans often have more lenient credit score requirements, making homeownership more accessible to a wider range of individuals.

Whether you're looking for a charming waterfront property in Port Townsend or a cozy cottage in Quilcene, Jefferson County has a diverse range of homes available with FHA terms. From historic Victorian houses to modern townhomes, there is something to suit every taste and budget.

If you're considering purchasing a home in Jefferson County, exploring the FHA options can be a smart choice. It's always advisable to consult with a knowledgeable real estate agent or lender who can guide you through the process and help you find the perfect home that meets your needs and budget.

Newest Jefferson Homes with FHA Terms

$355,000
3 Beds ⋅ 2 Baths ⋅ 2563783 MLS ⋅ ACTIVE Status
Welcome to this split floor plan home tucked away on a quiet cul-de-sac. Vaulted ceilings in the living room, dining room, and primary bedroom create an open and inviting feel. Enjoy the spacious back deck and covered back porch, ideal for entertaining or unwinding outdoors. Features include vinyl plank flooring, carpeting, a metal roof, propane range/oven with a freestanding stove, propane fireplace, cement plank siding, vinyl-clad double-pane windows and slider, and a covered front porch. The large, level backyard offers privacy and room for gardening, while the apple tree in the front yard adds a welcoming touch.

31 Spruce Lane, Port Hadlock

Listing courtesy of eXp Realty.

$597,000
2 Beds ⋅ 2 Baths ⋅ 2562873 MLS ⋅ ACTIVE Status
Discover the perfect blend of comfort, versatility, and Pacific Northwest lifestyle in this beautifully updated Port Ludlow retreat. Nestled on a quiet cul-de-sac, this light-filled 2-bedroom, 2-bath home features fresh interior paint and trim, new appliances this year, newer mini-split heating and cooling, a Pelican whole-home water filtration system, and high-speed internet for today's connected lifestyle. The impressive 792-square-foot detached garage has been nicely finished and includes a workshop, built-in cabinetry, tankless water heater, and an authentic clear cedar hot-rock sauna accommodating up to six people. A separate finished 120-square-foot detached office/studio offers exceptional flexibility for remote work, creative pursuits, fitness, hobbies, or guest space. Relax year-round in the newer Bullfrog hot tub, or enjoy the expansive backyard and gardening planters with automated timed irrigation, expansive decks, and full fencing. Located just minutes from the marina, championship golf course, clubhouse, private beach, swimming pools, pickleball, tennis courts, and miles of scenic hiking trails, this move-in-ready home offers an exceptional opportunity to enjoy the very best of Port Ludlow living.

41 Ames Lane, Port Ludlow

Listing courtesy of John L. Scott Port Ludlow.

$479,000
3 Beds ⋅ 2 Baths ⋅ 2562468 MLS ⋅ ACTIVE Status
Be the proud owner of this charming one-story home located off of Shotwell in Port Hadlock. If you want a quiet location on a semi private street with no through traffic passing by then you have found it. Close to the Jefferson County Library, groceries stores, restaurants as we as the Irondale beach. Close to Chimacum Creek. This quiet cul de sac has a handful of residence making this a very quiet and secluded neighborhood. This 3 bedroom and 1.75 bathroom home features brand good reliable Cedar Ship Lap siding with a big fenced back yard. Wonderfully sized bedrooms with large closet in master bedroom. Fruit trees! 2-car garage is perfect for storing your cars and personal items. Close to schools. Won't last long!

40 Candace Road, Port Hadlock

Listing courtesy of Port Ludlow Brokers LLC.

$490,000
3 Beds ⋅ 2 Baths ⋅ 2561619 MLS ⋅ ACTIVE Status
A style all its own, this tudor inspired home stands out with its distinctive exterior, well-maintained interior and convenient location. The comfortable and functional 3-bedroom, 1.75-bath layout features a cozy freestanding propane fireplace in the living room and a kitchen and dining area that opens to a large deck overlooking the backyard. Down the hall, the main-level primary bedroom is paired with a recently remodeled ¾ bath. Upstairs, you’ll find two bedrooms with a full bath between them. A newer roof, attached single-car garage, storage outbuilding and level .26 acre lot add to the appeal. Tucked along a quiet street, the home is just blocks from the beach and grocery store, with other everyday amenities.

181 Hayden Street, Port Hadlock

Listing courtesy of Windermere R.E. Port Townsend.

$545,000
2 Beds ⋅ 2 Baths ⋅ 2561967 MLS ⋅ ACTIVE Status
Welcome to a peaceful lifestyle on Eagleview Lane! This lovely maintained, like-new Craftsman home offers the perfect blend of tranquil living and community perks. The main floor features an open-kitchen concept and living room with a cozy propane fireplace, a flexible bonus room and a 3/4 bath. Upstairs, the home features two bright, peaceful bedrooms and a well-appointed full bath. The exterior spaces are designed for relaxation and peace. The fully fenced backyard is accompanied by a lovely cedar deck, and a detached two-car garage that offers plenty of space for storage. Bridgehaven boasts premier amenities: a gated private marina, beach access, boat launch, club house, and water system. Explore the Hood Canal wildlife by Kayak, boat, or paddle board from one of the best-protected moorages. Conveniently located near world class golf, with Poulsbo and Kingston in the vicinity, schedule your tour today to fully appreciate the calming charm.

115 Eagleview Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$769,000
3 Beds ⋅ 2 Baths ⋅ 2559091 MLS ⋅ PENDING - BACKUP OFFER REQUESTED Status
Experience the beauty of Pacific Northwest waterfront living in Prospect View Estates, just outside Kala Point. This 3-bedroom, 1.75-bath home offers approximately 1,600 sq ft of thoughtfully designed living space on a high-bank waterfront lot with captivating water views. Warm pine tongue-and-groove tight-knot cedar exterior and interior ceilings add character and create a welcoming Northwest lodge feel, while expansive windows bring in natural light and showcase the ever-changing scenery. The functional floor plan provides comfortable everyday living and effortless entertaining. Watch passing boats, soaring eagles, and spectacular sunrises from your own private retreat and in the built-in hot tub! All just minutes from downtown Port Townsend, marinas, hiking trail to the beach near-by, and local amenities. A rare opportunity to own a peaceful waterfront escape in one of the area’s most desirable neighborhoods.

1320 Prospect Avenue, Port Townsend

Listing courtesy of The Agency - Port Townsend.

$476,950
4 Beds ⋅ 3 Baths ⋅ 2561139 MLS ⋅ ACTIVE Status
Welcome to the Harbor plan at Lennar's newest community! This home features an open-concept layout among the great room, dining area, and gourmet kitchen. The first floor includes a bedroom and full bathroom, ideal for a home office or guest suite. Outside, enjoy a covered back patio. Upstairs offers a versatile loft and three bedrooms, including the owner’s suite with a spa-like bathroom and walk-in closet. With Lennar’s signature Everything’s Included®, enjoy stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

1625 Pacifica Way, Port Townsend

Listing courtesy of Lennar Sales Corp..

$1,975,000
4 Beds ⋅ 4 Baths ⋅ 2551921 MLS ⋅ ACTIVE Status
An extraordinary luxury view home where exceptional craftsmanship & breathtaking natural beauty converge. Built just 3 years ago by a master builder as his forever home, this one-of-a-kind residence was engineered beyond conventional standards w/premium materials, ADA accessibility, & future-ready infrastructure. The open concept main level dazzles w/3 bedrooms (one currently a stunning office), 2.5 baths, & a dramatic wall of windows framing panoramic views of Mt. Baker, the Cascade Mountains, Ludlow Bay, & Admiralty Inlet. The chef's kitchen features an oversized granite island, & the open floor plan flows effortlessly to expansive Azek decks w/custom stainless steel railings, patio heater, & hot tub, creating seamless indoor/outdoor living w/views of terraced gardens & a tranquil rain garden. The spa-inspired primary suite is breathtaking & includes a tub w/water & mt views & a stunning walk-in closet. Accessible by elevator or stairs, the lower level features a private multigenerational suite w/a full kitchen, laundry, ¾ bath, & spacious open concept living area w/views.Oversized epoxy-finished garage has a workshop, EV charger, wired for generator-Private pickleball court & storage-(wine cellar?). Premium features include an ERV fresh air filtration system, R-5 ZIP System sheathing, R-21 insulation, quiet floor system, whole-house sound system, & Beach Club membership w/trails, beaches, marina, parks, & nearby golf. See attached Matterport walkthrough & video!!

27 Seafarer Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$350,000
1 Beds ⋅ 1 Baths ⋅ 2560307 MLS ⋅ ACTIVE Status
Move right into this beautifully maintained ground-floor 1 bedroom condo offering easy, low maintenance living in a central Port Townsend location. The Castellano Condos are a secure building with interior entrances, wide hallways and an elevator. This end unit features a private entrance, east-facing deck & garden space, creating a peaceful retreat to enjoy your morning coffee or unwind at the end of the day. Inside, you'll find a cozy propane fireplace, an open-concept living area & abundant natural light. The spacious bedroom features an en suite bath with a walk-in shower. All appliances, including the stacking washer & dryer, are included. Enjoy the affordability of condo living with HOA dues that cover water, sewer, propane, garbage, building insurance & exterior maintenance. Major updates include a new roof in 2025 & exterior paint in 2023. Complete with assigned parking, a private storage unit & an allowance for two small pets, this inviting home is just a short stroll to Fort Worden State Park, the Camas Prairie Park golf course & a nearby bus stop, making it easy to enjoy the very best of Port Townsend.

350 Castellano Way Unit #104, Port Townsend

Listing courtesy of Bell Tower Brokers.

$645,320
4 Beds ⋅ 3 Baths ⋅ 2559928 MLS ⋅ ACTIVE Status
MOTIVATED SELLER! Enjoy 27.23 PRIVATE ACRES of tranquility and sweeping mountain views in this beautiful home perched above the Duckabush River Valley and backing to the Olympic National Forest. Tons of marketable timber if you're interested in harvesting! Nearly every room captures stunning vistas of The Brothers Wilderness and Mount Jupiter, while the sounds of nearby waterfalls, the Duckabush River, and wind through the evergreens create a peaceful retreat. The spacious primary suite offers a walk-in closet, double-sink vanity, and a separate shower/toilet room for fog-free mirrors and easy mornings. The kitchen features a walk-in pantry with ample storage for appliances, gadgets, and snacks. Recent updates include a new 30-year roof installed in 2024, plus a newer water heater and pressure tank. Outdoor living includes a dedicated garden area, four apple trees, and a garden shed wired for future power. High-speed fiber-optic internet supports remote work, and the home is wired for a generator. The large shop provides parking for 2–3 vehicles, radiant in-floor heating, plumbing throughout (shop septic needed), and a finished bonus room ideal for an office or guests. A huge loft/future MIL space is ready to be completed, and the metal shop roof adds longevity. Covered RV parking with a 30-amp plug enhances versatility. Located just 6 miles from Pleasant Harbor Marina. SOLD AS-IS.

4244 Duckabush Road, Brinnon

Listing courtesy of Jason Mitchell Real Estate WA.

$599,500
2 Beds ⋅ 2 Baths ⋅ 2559615 MLS ⋅ ACTIVE Status
Perched above Palmer Drive on a desirable corner lot, this charming 2-bedroom, 2-bath home blends mid-century design with European flair in the sought-after Cape George Colony community. Enjoy views of Discovery Bay, the Olympic Mountains, and Protection Island, with spectacular sunsets creating the perfect backdrop each evening. Thoughtful updates include energy-efficient ductless heating and cooling and a new electrical panel, providing modern comfort and peace of mind. A cozy propane insert in the living room set within the brick hearth adds both warmth and inviting ambiance. Established landscaping enhances the home's curb appeal while creating a serene setting to relax and take in the scenery. Covered front deck that wraps around to a covered side deck with access from the living room- perfect for entertaining and relaxing. As a resident of Cape George Colony, you'll enjoy an exceptional array of amenities, including a marina, private beach, indoor swimming pool, fitness room, pickleball courts, community workshop, and more. From sunrise over the mountains to glowing evening skies, this home offers an inspiring setting to enjoy the beauty and recreation of the Olympic Peninsula every day.

320 N Palmer Drive, Port Townsend

Listing courtesy of RE/MAX FIRST Inc Port Townsend.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2558178 MLS ⋅ ACTIVE Status
Move in, unpack, and start enjoying your new home! This charming, move-in ready 3-bedroom, 2-bath rambler offers comfortable one-level living on a level, sunny lot with thoughtful updates throughout. The beautifully updated kitchen is the heart of the home, featuring new cabinetry, stunning quartz countertops, and newer appliances, including the dishwasher and refrigerator. Fresh interior and exterior paint create a bright, inviting feel, while new carpet adds warmth and comfort underfoot. A new roof installed in November comes with a transferable warranty, providing added peace of mind, and the newer water heater (approximately three years old) is another valuable improvement already taken care of for you. The functional floor plan offers comfortable living spaces with room to gather, relax, or work from home. An attached garage provides everyday convenience, while the detached storage shed offers extra space for tools, gardening supplies, outdoor gear, or hobbies. Plus a cement pad for a hot tub if you wish. Outside, the level, sunny yard is perfect for entertaining, gardening, play, or simply unwinding in your private backyard. All the hard work has been done- just bring your furniture, settle in, and start making memories.

52 Penny Lane, Port Townsend

Listing courtesy of RE/MAX FIRST Inc Port Townsend.

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