Phinney Ridge Homes with FHA Terms

Phinney Ridge Homes with FHA Terms

Welcome to Phinney Ridge, a charming neighborhood located in the heart of Seattle, Washington. Known for its tree-lined streets, historic homes, and vibrant community, Phinney Ridge offers a perfect blend of urban convenience and natural beauty.

Phinney Ridge is a sought-after area for homebuyers looking for a mix of traditional and modern architecture. From Craftsman bungalows to contemporary townhomes, there is a wide range of housing options to choose from. The neighborhood's proximity to Green Lake and Woodland Park provides residents with ample opportunities for outdoor recreation and relaxation.

If you're considering purchasing a home in Phinney Ridge, you'll be pleased to know that FHA terms are available for eligible buyers. This means that you may qualify for a Federal Housing Administration loan, which offers competitive interest rates and low down payment options. With FHA terms, owning a home in Phinney Ridge is more accessible than ever.

Whether you're a first-time homebuyer or looking to upgrade to a larger space, Phinney Ridge has something for everyone. Explore the local shops, restaurants, and community events that make this neighborhood a truly special place to call home. Don't miss out on the opportunity to own a piece of this vibrant community with FHA terms that make homeownership more attainable.

Newest Phinney Ridge Homes with FHA Terms

$799,000
2 Beds ⋅ 1 Baths ⋅ 2585479 MLS ⋅ ACTIVE Status
Olympic Mountain views shine by day and sunsets fill your night from this enchanting craftsman on Phinney Ridge. West-facing outlook over Ballard and an expansive sunny backyard with multiple patios, garden space and tiered levels of outdoor enjoyment. Classic features throughout - coved ceilings, special built-ins, wainscoting and an enclosed front porch. Large living room features a charming fireplace flanked by display shelves, sweet windows and original hardwood floors. Bright open kitchen offers great cabinet storage, while the WOW-factor is in the dining room with a bay window overlooking it all. 2 generous bedrooms and an updated - yet still charming - full bath complete the main level. Spacious daylight basement offers a great 3rd bedroom or additional living space potential with built-in shelves, laundry with new washer, office space and a shop - lots of possibilities. Plus, direct access to the wonderful backyard adds even more flexibility. Seller updates include newer hybrid gas furnace and heat pump (air-conditioning), plumbing, whole house electrical and roof. Attached garage is ready for an EV charger. Excellent Phinney Ridge location - near Woodland Park Zoo, pocket parks, Ballard, Fremont, great transit and an easy commute.

5053 Baker Avenue NW, Seattle

Listing Broker: Windermere Real Estate Midtown; Javila Creer; 206-527-5445; javila@windermere.com

$825,000
2 Beds ⋅ 1 Baths ⋅ 2579499 MLS ⋅ ACTIVE Status
Charming Craftsman Bungalow in a Prime “Stumbletown” LocationAmazing, move-in-ready Craftsman bungalow in the highly convenient “Stumbletown” neighborhood, perfectly positioned between Ballard and Phinney Ridge. Full of character and thoughtful custom touches, this inviting home features beautiful oak hardwood floors with intricate wood inlay, distinctive box-beam ceilings in the dining room, and an abundance of large windows that fill the space with natural light.A fantastic alternative to townhouse living, the home offers a private, fully fenced setting with low-maintenance front and back patios—perfect for relaxing, entertaining, or enjoying a little outdoor space without the upkeep.The flexible zoning allows for commercial, home-business, or development use, adding valuable versatility and future potential. Recent updates include plumbing and electrical wiring, plus efficient mini-split cooling for year-round comfort.The main level features two bedrooms and one bath, while the spacious basement offers even more possibilities, including a second bathroom already framed in and ready for future completion. Whether you’re looking for a charming place to call home, a live/work opportunity, or a property with long-term development potential, this special bungalow delivers.

712 NW 65th Street, Seattle

Listing Broker: KW Greater Seattle; John L. Anderson; 206-632-2636; john@anchorseattle.com

$699,950
2 Beds ⋅ 1 Baths ⋅ 2574494 MLS ⋅ ACTIVE Status
Charming Green Lake home offering classic character, a fantastic location, and plenty of potential! This 2-bedroom, 1-bath home features approximately 850 square feet on the main floor with beautiful hardwood floors throughout, plus an additional 800 square feet of unfinished space downstairs offering excellent potential for future living space, a home office, gym, or storage. The inviting layout is filled with warmth and character, creating a comfortable place to call home while offering exciting possibilities to make it your own. Enjoy easy access to Green Lake, neighborhood shops, restaurants, parks, and recreation, along with a Walk Score of 85 and exceptional Bike Score of 96. Convenient connectivity to I-5, Hwy 99, and public transit makes commuting a breeze, with Downtown Seattle approximately 15–25 minutes away. A wonderful opportunity to enjoy a charming home with room to grow in one of Seattle’s most desirable neighborhoods.

536 N 73rd Street, Seattle

Listing Broker: John L. Scott, Inc.; Teo Okamura; 206-578-1744; teookamura@gmail.com

$1,282,500
4 Beds ⋅ 3 Baths ⋅ 2571921 MLS ⋅ ACTIVE Status
Beautifully tailored for modern life, this Phinney Ridge craftsman sits in the heart of one of Seattle's most walkable neighborhoods. Thoughtfully remodeled, it offers elegant spaces and exceptional flexibility. The main level is anchored by a kitchen you'll want to spend time in-open and inviting with generous cabinetry, quartz counters, eat-in peninsula, stainless appliances, and gas cooking. The space flows to the deck and yard or into the custom dining area- the banquette and handcrafted table stay. Gather around the wood-burning fireplace on winter evenings or enjoy the A/C and host with ease year-round. The upper level delivers a touch of Parisian farmhouse charm with exposed trusses, built-ins tucked into the eaves, glass doors, and views of the Olympics. Design-forward finishes throughout; wide-plank flooring, mid-century lighting, vintage bronze-and-glass hardware, and hex tile. Downstairs, the lower level can flex as a media room, gym, creative studio, guest suite, or work-from-home headquarters, complete with its own bath and wet bar. An attached tandem two-car garage plus off-street carport provide rare space for parking, hobbies, and gear. Outside, the fully fenced yard is quiet, private and low-maintenance. Just a five-minute stroll to neighborhood favorites including Ben's Bread, Café Bambino, Mainstay Provisions, and more, with Woodland Park, Ballard, and multiple transit options nearby. Polished without feeling precious, this cozy modern gem is delightful!

6525 3rd Avenue NW, Seattle

Listing Broker: Windermere R E Mount Baker; Sarah V. Rudinoff; 206-276-5476; sarahru@windermere.com

$669,900
2 Beds ⋅ 2 Baths ⋅ 2570946 MLS ⋅ ACTIVE Status
Welcome to Cleopatra, ideally located in the heart of Whittier Heights, where quiet residential streets meet some of North Seattle’s most desirable neighborhoods. Enjoy exceptional access to Ballard, Phinney Ridge, and Greenwood, with neighborhood favorites including The Barking Dog Alehouse, Kirke Park, and Ken’s Market just blocks from your front door. Restaurants, coffee shops, parks, shopping, and everyday conveniences are all close by, while the home’s tucked away residential setting provides a welcome retreat from the city. Built by RK Homes, this thoughtfully designed new construction home features 2 bedrooms, 2 baths, dedicated off street parking, and a large, fully fenced front yard, a rare combination for urban living. The open concept main level connects the kitchen, dining, and living spaces directly to the yard, creating an ideal setting for entertaining, gardening, pets, or simply relaxing outdoors. The second level offers a private bedroom and full bath, while the top floor is dedicated to the primary retreat with an ensuite bath. Abundant natural light, high end finishes, contemporary design, and a builder warranty complete the home. Enjoy the best of Whittier Heights with Ballard, Phinney Ridge, and Greenwood all within easy reach. A modern, move in ready home in a fantastic location that makes it easy to enjoy everything the neighborhood has to offer.

7062 Cleopatra Place NW, Seattle

Listing Broker: John L. Scott, Inc.; Andy Sather; 206-234-4897; andysather@johnlscott.com

$699,900
2 Beds ⋅ 2 Baths ⋅ 2569471 MLS ⋅ ACTIVE Status
Special Financing-Builder paid rate buy-down now available, 5.5% fixed rate for 10 years, inquire for details. Stunning 2 bedroom, 1.75 bath new construction home in the heart of much sought after Phinney Ridge neighborhood, walking distance to all its wonderful amenities. Meticulously finished home with thoughtfully designed floor plan. Entry level includes spacious entry flex area, large bedroom and full bath - ideal for guest room or home office separate from main living area. Heart of the home is on the second level includes open floor plan, 9' ceilings, living and dining room with big picture windows providing tons of natural light. Beautiful kitchen with quartz countertops, professional grade stainless appliances. Covered deck off living room great, for year round usage. Top floor includes primary suite with vaulted ceilings, walk in closet and spa-like bath and nice views. Utility room completes the top floor. Spectacular panorama Mt Rainier, Cascade Mountain and territorial views from your rooftop deck. One off street parking spot. Great location, one block to the heart of Phinney Ridge with numerous restaurants, coffee houses, pubs, eateries, grocery, and so much more. Also, walking distance to Green Lake and all it has to offer. Wonderful home and wonderful location.

7403 Dayton Avenue N, Seattle

Listing Broker: Windermere RE Greenwood; Mick Walls; 206-650-3838; mwalls@windermere.com

$699,900
2 Beds ⋅ 2 Baths ⋅ 2566693 MLS ⋅ ACTIVE Status
Special Financing-Builder paid rate buy-down now available, 5.5% fixed rate for 10 years, inquire for details. Stunning 2 bedroom, 1.75 bath new construction home in the heart of much sought after Phinney Ridge neighborhood, walking distance to all its wonderful amenities. Meticulously finished home with thoughtfully designed floor plan. Entry level includes spacious entry flex area, large bedroom and full bath - ideal for guest room or home office separate from main living area. Heart of the home is on the second level includes open floor plan, 9' ceilings, living and dining room with big picture windows providing tons of natural light. Beautiful kitchen with quartz countertops, professional grade stainless appliances. Covered deck off living room great, for year round usage. Top floor includes primary suite with vaulted ceilings, walk in closet and spa-like bath and nice views. Utility room completes the top floor. Spectacular panorama Mt Rainier, Cascade Mountain and territorial views from your rooftop deck. One off street parking spot. Great location, one block to the heart of Phinney Ridge with numerous restaurants, coffee houses, pubs, eateries, grocery, and so much more. Also, walking distance to Green Lake and all it has to offer. Wonderful home and wonderful location.

7403 Dayton Avenue N, Seattle

Listing Broker: Windermere RE Greenwood; Mick Walls; 206-650-3838; mwalls@windermere.com

$1,998,000
2566016 MLS ⋅ ACTIVE Status
THE ULTIMATE HOUSE HACK OR DUAL-INCOME INVESTMENT! Just 2 blocks from iconic Green Lake, this fully permitted, high-quality, top-to-bottom remodel offers unbeatable flexibility and immediate revenue potential. Live in the spacious main home while renting out the lower unit to drastically subsidize your mortgage. The light-filled main residence boasts 9’+ ceilings, chef’s kitchen with quartz counters, and high-end finishes throughout. Relax in the primary suite with its own private deck showcasing serene Green Lake views. Step outside to unwind or entertain on 2 massive decks with lake views or your fully fenced yard. The lower level features a fully self-contained 2 bed/1 bath unit with private entry, in-unit laundry and separate utilities—zero shared space required. Rare dedicated off-alley parking for 4+ vehicles. Brand-new systems throughout (electrical, plumbing, siding, hybrid water heaters, appliances, sub-zero refrigerator and heat pumps for heating and cooling) means total peace of mind. Stroll to neighborhood cafes, shops, and the 2.8-mile lake loop. High style meets smart real estate math! Welcome home.

7008 Linden Avenue N, Seattle

Listing Broker: KW Greater Seattle; Annabel Kuppens; 206-834-5601; annabelkuppens@kw.com

$1,998,000
6 Beds ⋅ 5 Baths ⋅ 2565775 MLS ⋅ ACTIVE Status
THE ULTIMATE HOUSE HACK OR DUAL-INCOME INVESTMENT! Just 2 blocks from iconic Green Lake, this fully permitted, high-quality, top-to-bottom remodel offers unbeatable flexibility and immediate revenue potential. Live in the spacious main home while renting out the lower unit to drastically subsidize your mortgage. The light-filled main residence boasts 9’+ ceilings, chef’s kitchen with quartz counters, and high-end finishes throughout. Relax in the primary suite with its own private deck showcasing serene Green Lake views. Step outside to unwind or entertain on 2 massive decks with lake views or your fully fenced yard. The lower level features a fully self-contained 2 bed/1 bath unit with private entry, in-unit laundry and separate utilities—zero shared space required. Rare dedicated off-alley parking for 4+ vehicles. Brand-new systems throughout (electrical, plumbing, siding, hybrid water heaters, smart stainless steel appliances, heat pumps for heating and cooling) means total peace of mind. Stroll to neighborhood cafes, shops, and the 2.8-mile lake loop. Plus $15,000 Lender credit towards buyers' closing costs. High style meets smart real estate math! Welcome home.

7008 Linden Avenue N, Seattle

Listing Broker: KW Greater Seattle; Annabel Kuppens; 206-834-5601; annabelkuppens@kw.com

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