Thurston Homes with FHA Terms

Thurston Homes with FHA Terms

Thurston County, located in the state of Washington, is a beautiful region that offers a variety of attractions and amenities for residents and visitors alike. Known for its natural beauty and outdoor recreational opportunities, Thurston County is a popular destination for those seeking a balance between city conveniences and the tranquility of nature.

Situated in the heart of the Pacific Northwest, Thurston County is home to the state capital, Olympia, making it an ideal location for those working in government or seeking employment in the public sector. The county is also known for its strong education system, with several well-regarded schools and colleges in the area.

For those interested in purchasing a home in Thurston County, there are various options available, including homes with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible and affordable for individuals and families. These loans offer lower down payment requirements and more flexible credit guidelines, making it easier for buyers to qualify for a mortgage.

With FHA terms, prospective homebuyers in Thurston County can take advantage of the benefits offered by these loans, such as lower interest rates and the ability to finance home improvements. Whether you're a first-time buyer or looking to upgrade to a larger property, homes with FHA terms provide a viable option for those looking to enter the real estate market in Thurston County.

With its stunning natural landscapes, thriving communities, and access to a range of amenities, Thurston County is an excellent place to call home. Whether you're attracted to the bustling city life of Olympia or the peaceful rural areas surrounding it, Thurston County offers a diverse range of housing options to suit every lifestyle and budget.

Newest Thurston Homes with FHA Terms

$900,000
3 Beds ⋅ 3 Baths ⋅ 2568603 MLS ⋅ ACTIVE Status
Five private acres, incredible shop space and room to live, work and play, this Olympia property delivers the country lifestyle buyers dream about! The 2,172 sq ft, 3-bedroom, 2.5-bath home sits among a beautiful mix of cleared pasture and wooded acreage with apple trees and garden space. A large covered front porch welcomes you inside, where engineered hardwood floors lead to a spacious living room with two oversized windows and pellet stove. The kitchen features custom soft-close cherry cabinetry, granite counters and included appliances. The permitted 22'x24' family room offers a wood stove and sliders to the large patio, perfect for entertaining. The primary suite includes a private bath with dual vanities. Outside, the 42'x36' heated shop features three bays, a 35'x14' upper level with plumbed toilet and sink (Shower ready for installation), plus its own electrical meter and separate bill. A second 26'x20' insulated shop with a new roof as of 2025, 25'x21' garage with workspace and storage, and covered RV parking add even more versatility. The guest RV setup offers full hookups with 50-amp service, and the house is wired for a generator. Enjoy a sealed asphalt driveway, fenced areas, wide-open lawn and peaceful acreage living near Millersylvania State Park and Capitol State Forest recreation.

3824 107th Avenue SW, Olympia

Listing courtesy of eXp Realty.

$418,000
3 Beds ⋅ 2 Baths ⋅ 2571994 MLS ⋅ ACTIVE Status
Enjoy a newly remodeled home in a prime location at an affordable price! This 3 bedroom 2 bath home lives large with over 1800 Sq. Ft. of open living space. New vinyl plank flooring throughout, new roof, new furnace, new septic system, fresh paint throughout & all new appliances! The open floor plan is flooded with natural light. The open kitchen boasts plenty of counter & cabinet space. Spacious bedrooms, updated bathrooms and a beautifully landscaped yard with room for a small garden if you desire. Close to freeway, schools and amenities! Don't miss this opportunity to own a like new home in a prime location! 1 year free home warranty! New asphalt completed in driveway/parking area since photos were taken.

9418 180th Way SW, Rochester

Listing courtesy of Skyline Properties, Inc..

$429,000
3 Beds ⋅ 2 Baths ⋅ 2570733 MLS ⋅ ACTIVE Status
Welcome home to this affordable rambler in the heart of Yelm! From the front porch step inside to a warm and inviting living space featuring vaulted ceilings, an open-concept layout, and a kitchen with ample counter space. The breakfast bar peninsula serves as the centerpiece, connecting the kitchen, dining area, and living room, perfect for everyday living and entertaining. Enjoy peace of mind with a newer stainless steel appliances, and hot water heater. Sliding glass door off the dining area leads to a fully fenced backyard and patio, ideal for relaxing, gardening, or outdoor gatherings. The large laundry room adds convenience, while the spacious two-car garage offers plenty of room for storage, a workbench, and more. Down the hall, you'll find an ideal floor plan with three comfortable bedrooms and two bathrooms, including a generously sized primary bedroom with its own en-suite full bath. Conveniently located just minutes from schools, shopping, dining, and parks, with easy access to Lacey and Joint Base Lewis-McChord JBLM. Move-in ready and offering the perfect combination of comfort, convenience, and value, this Yelm gem is ready to welcome you home. Don't miss this opportunity!

16340 Cascadian Avenue SE, Yelm

Listing courtesy of Skyline Properties, Inc..

$534,900
4 Beds ⋅ 2 Baths ⋅ 2572883 MLS ⋅ ACTIVE Status
ANOTHER STUNNING REMODEL FROM L3R LLC! ALL NEW Custom Kitchen w/ Quartz Counters & Full Appliance Package, Permited Electrical Panel, Roof, Gutters, Waterproof Commercial Vinyl Plank Floors & Carpet Throughout, Doors, Trim, Bathrooms w/ Vanities & Tub/Showers, Interior & Exterior Lighting, Interior & Exterior Paint, Insulated Garage Door & Garage Walls, Hot Water Heater & NEW 9,000 sq ft of Hydroseeded Yard! Main Floor features Large Primary Bedroom, Utility Rm for Washer/Dryer & Water Heater, 3/4 Bath, Large Family Rm with Wood Fireplace. Upstairs features 3 more bedrooms, Full Hall Bath with 42" Vanity & Tub Shower Combo, Large Living Room with Vaulted Ceilings, Skylights & Wood Fireplace. Kitchen Cabinets Custom Designed for this home with Quartz Counters, Deep Stainless Sink, Appliance Package & 6" Backsplash. Dining Room has Sliding Door leading to a massive 42' Long x 8' Wide Deck (336 sq ft). Deck Stairs lead to Fully Fenced Huge Yard with 8,000 square feet on Hydroseeded Lawn. Newly Poured Concrete Parking Pad in front of Remodeled Garage with Insulated Door & Insulated Walls, Painted Floor, Gas Furnace, NEW Permitted Electrical Panel with Door that leads to Main Floor. The Gravel Side Yard has room for RV, Boat, Trailer, Parking. Property backs to Well-Maintained State Property. Walking Distance to TOP TUMWATER JR HIGH & SR HIGH SCHOOLS, 3 minutes to shopping, restaurants & i5. Attention to Detail throughout!

235 Dennis Street SW, Tumwater

Listing courtesy of Real Estate Gladiators.

$485,000
5 Beds ⋅ 3 Baths ⋅ 2572901 MLS ⋅ ACTIVE Status
Welcome home to this beautiful 5 bedroom 2.5 bath home in the heart of Yelm! Enjoy brand new carpets, a fresh coat of paint, custom tiled shower renovation with glass panel, new walk in closet inserts, updated kitchen appliances/faucet, 3 year old roof, AC, and more! Upon entry is a large living room with plenty of natural light and dining space. Past that is the kitchen with a new dishwasher, microwave, and faucet! Connected is the family room with more eating space, gas fire place, and access to the back deck! Upstairs is the primary bedroom, with the brand new tile shower, and a walk in closet! Along with the primary bedroom, is 4 more bedrooms, a dedicated laundry room, and a full bathroom! Backyard has a full deck, shed with power and shed without power, and plenty of room for entertaining! Close to shops, highways, restaurants, and JBLM. Come see today!

10517 Farwest Court SE, Yelm

Listing courtesy of ENRG Realty.

$525,000
2 Beds ⋅ 2 Baths ⋅ 2572827 MLS ⋅ ACTIVE Status
Welcome to 8325 Bainbridge Loop NE, located in the highly desirable Jubilee 55+ community in Lacey! This exceptionally clean and well-cared-for 2-bedroom, 1¾-bath home is truly move-in ready. The comfortable, thoughtfully designed floor plan offers easy living, while the newer heat pump keeps you cool during the warmer months. Enjoy the active Jubilee lifestyle, beautifully maintained surroundings, and wonderful community amenities including the pool, tennis/pickleball courts, and the clubhouse just around the corner. Conveniently located near shopping, dining, golf, parks, and everyday services. If you're looking for a clean, comfortable home in one of Lacey’s most sought-after 55+ communities, this one is ready to welcome you home! New Exterior paint in 2026. New furnace/heat pump in 2025. New interior carpet/paint 2024. New Washer/dryer 2025.

8325 Bainbridge Loop NE, Lacey

Listing courtesy of Century 21 Van Dorm Realty.

$124,950
3 Beds ⋅ 2 Baths ⋅ 2571805 MLS ⋅ ACTIVE Status
Welcome to Crestwood Park, a well-established manufactured home community in Lacey! This inviting home offers a comfortable and functional layout with plenty of natural light and several recent updates. New carpet and updated flooring were completed in 2024, while the heating and central A/C systems are approximately 1.5 years old, providing year-round comfort and added peace of mind. Enjoy spacious living areas, a practical kitchen, and easy, low-maintenance living. Conveniently located near shopping, dining, parks, public transportation, and everyday amenities, with easy access to major roadways. Move-in ready and waiting for its next owner!

4500 Ruddell Road SE Unit #39, Lacey

Listing courtesy of KW Mountains to Sound Realty.

$639,995
4 Beds ⋅ 3 Baths ⋅ 2572850 MLS ⋅ ACTIVE Status
Morel Meadows by D.R. Horton, America's #1 builder - Costco right down the street! Back right up to the community park with this location. The Sellwood Plan is well laid out with open concept living, entertain with guests while in the kitchen. Did we mention the HUGE pantry?! Hang around the large island or continue upstairs to the 3 bedrooms + large bonus room?! This bonus room has a closet as well, so use it as another bedroom is needed. Your home is featuring hard surface flooring, painted white or gray cabinets, Stainless Steel Appliances, Quartz Countertops, Heat Pump for Air Conditioning, smart home features, and a 10yr warranty?! Say less! No, actually say more...for MORE-L Meadows :) With surrounding mature trees, walking trails in the community as well as the Regional Athletic Complex Park across the street (the RAC) for all the outdoor fun/baseball/basketball/soccer and an extra row of EV charging for guests in their parking area. Great location just minutes to I-5, JBLM, shopping, unassuming local restaurants that will make this area feel like HOME! There are daily adventures to keep up with our availability. With much to be concerned with in the world today, where you hang your hat should be the least of your worries. Buyers must register their broker on first visit, including open houses. *** Ask about our $20,000 buyer bonus with our preferred lender for qualified buyers ***

8454 Ostrom Avenue SE Unit #24, Lacey

Listing courtesy of D.R. Horton.

$675,000
3 Beds ⋅ 2 Baths ⋅ 2571998 MLS ⋅ ACTIVE Status
Amazing opportunity to own a private, 30,000+/- sq ft level lot within Olympia city limits with potential for multigenerational living. This 3-bedroom, 2-bath rambler welcomes you with a spacious great room featuring a wall of windows that fills the home with natural light and a corner gas fireplace. The nicely appointed kitchen offers solid-surface counters, stainless-steel appliances, a sunny breakfast nook, and plenty of storage. The primary ensuite features two closets, a separate shower, and a classic clawfoot tub. The fenced, level backyard offers plenty of space for a play area, garden beds, fruit trees, entertaining, or simply enjoying the privacy. Covered and uncovered patios provide inviting spaces for outdoor living. A 36-foot RV storage building and an additional 400-square-foot garage offer ample room for vehicles, hobbies, and storage. Conveniently located within walking distance of San Francisco Street Bakery and Roosevelt Elementary, with quick access to downtown Olympia. With no HOA and potential for additional ADUs, rental income, multigenerational living, or subdivision, subject to applicable zoning and approvals, this property offers exceptional flexibility and opportunity within the city limits.

1311 Devon Drive NE, Olympia

Listing courtesy of Olympic Sotheby's Int'l Realty.

$645,000
5 Beds ⋅ 3 Baths ⋅ 2572770 MLS ⋅ ACTIVE Status
BETTER THAN NEW in the desirable Bradbury Community! Built by renowned local builder Rob Rice Homes, this beautifully maintained 5-bed + den, 2.5-bath residence combines quality craftsmanship, energy efficiency, and thoughtful upgrades throughout. The spacious, functional floor plan is designed for today's lifestyle and features hardwood flooring, quartz countertops, charcoal-stained maple cabinetry with soft-close drawers and full-extension guides, and a well-appointed kitchen with a double-oven range and abundant prep space. The versatile den is perfect for a home office, hobby room, or additional living area. Upstairs, the spacious primary suite serves as a private retreat with a luxurious 5-piece bath and tile flooring. Recent improvements make this home truly move-in ready, including fresh interior paint, custom cellular blinds, a garage heater, and generator wiring for added convenience and peace of mind. Energy-efficient features include a high-efficiency 5-stage heat pump with heating and cooling, a Carrier electric forced-air furnace, solar panels, and an electric hybrid water heater, helping provide year-round comfort and lower utility costs. Outside, enjoy fully landscaped front and back yards with privacy fencing, creating ideal spaces for entertaining, relaxing, and everyday living. Located within the highly sought-after Tumwater School District. A rare opportunity to own a truly turnkey home in one of the area's most desirable neighborhoods.

1422 89th Avenue SE, Olympia

Listing courtesy of Capitol Real Estate LLC.

$520,000
3 Beds ⋅ 2 Baths ⋅ 2567863 MLS ⋅ ACTIVE Status
Welcome home to a perfect blend of mid-century modern character, thoughtful updates, and incredible indoor outdoor living. This 3 bedroom home features beautiful hardwood floors, ample storage, central A/C, and a light filled living and dining space anchored by a cozy gas fireplace. The kitchen offers granite countertops, stainless steel appliances, and a gas range. A versatile bonus room provides the perfect space for a home office or creative studio. Designed for entertaining, the expansive deck stretches the entire length of the home, with three separate access points from the dining, kitchen, and primary bedroom, creating an effortless connection between indoor and outdoor spaces. The established yard is filled with mature native plants and pear trees, plus a greenhouse and storage shed for gardening and hobbies. And then there's the shop! In addition to the attached one car garage, you'll find a large detached heated shop offering exceptional space for projects, storage, hobbies, or your next big idea! Alley access provides additional off street parking for added convenience. All of this in an incredibly convenient location! Walk to neighborhood shops, restaurants, and coffee, while enjoying quick freeway access for an easy commute. Grocery, entertainment, parks and lakes are all minutes away. A home with character, flexibility, outdoor space, and amenities that are increasingly hard to find!

318 Ranger Drive SE, Olympia

Listing courtesy of Real Broker LLC.

$489,900
3 Beds ⋅ 2 Baths ⋅ 2571425 MLS ⋅ ACTIVE Status
Beautiful Lakepointe Rambler with modern upgrades. Welcome home to this inviting 3-bedroom, 2-bath rambler offering 1,458 square feet of comfortable living space on a nicely landscaped 6,685 square foot lot. This home features a large living room with vaulted ceiling and skylights. The spacious primary suite easily accommodates a king size bed, has a large walk-in closet, and a private bath with tile floor and large walk-in shower. The remaining two bedrooms are both generously sized, large enough to easily accommodate queen sized beds with ample space for additional furniture making for genuinely functional bedrooms. Recent improvements include new carpet, new mini-split heating and cooling system, interior and exterior paint, stainless steel range and dishwasher, keyless entry front door, and digital thermostat. The fully fenced backyard is perfect for relaxing or entertaining. Showcasing a 6 person hot tub surrounded by trees and shrubs, creating a relaxing retreat where you can unwind at the end of the day. Outdoor recreation awaits you less than one block away at Lakepointe park. Whether it’s pickleball, basketball, tennis, or simply the paved 1/2 mile loop, this park has plenty to offer. Lakepointe neighborhood is in the North Thurston county schools district, with quick access to Lakes Elementary, Komachin Middle and Timberline High Schools as well as an easy commute to JBLM. It is also conveniently located near several shopping and dining options.

6301 61ST Avenue SE, Lacey

Listing courtesy of homecoin.com.

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