Anacortes Homes with FHA Terms

Anacortes Homes with FHA Terms

Welcome to the charming neighborhood of Anacortes, located in Skagit County, Washington, USA. Anacortes is a picturesque city known for its stunning waterfront views, vibrant community, and a rich maritime history.

Living in Anacortes offers residents a suburban feel while still having easy access to urban amenities. The city is surrounded by natural beauty, including forests, parks, and the sparkling waters of the Puget Sound. Outdoor enthusiasts will appreciate the numerous hiking trails, boating opportunities, and parks for recreational activities.

For those looking to make Anacortes their home, there are plenty of options available with FHA terms. FHA loans are a popular choice for first-time homebuyers and those with less-than-perfect credit. These loans offer competitive interest rates and require lower down payments, making homeownership more accessible.

Whether you're drawn to Anacortes for its small-town charm, outdoor adventures, or waterfront living, this neighborhood has something for everyone. With homes available with FHA terms, now is the perfect time to explore real estate opportunities in this vibrant community. Experience the best of Pacific Northwest living in Anacortes, where the beauty of nature meets the convenience of city living.

Newest Anacortes Homes with FHA Terms

$575,000
3 Beds ⋅ 2 Baths ⋅ 2575359 MLS ⋅ ACTIVE Status
Enjoy beautiful water and island views from this inviting Anacortes home! Thoughtfully positioned to take advantage of the scenery, this home offers a comfortable, functional layout with abundant natural light. The spacious living and dining areas feature durable wood-look flooring, neutral finishes, and large windows that bring the outdoors in. A sliding door opens to the deck, creating an ideal spot to enjoy morning coffee, evening sunsets, or take in the surrounding views. The generous attached garage provides excellent storage and workspace, with built-in shelving and room for projects or gear. Located in a desirable Anacortes setting close to the waterfront, parks, trails, and all that this charming island community has to offer. A wonderful opportunity to enjoy the Anacortes lifestyle!

3812 W 3rd Street, Anacortes

Listing courtesy of RE/MAX Gateway.

$625,000
3 Beds ⋅ 3 Baths ⋅ 2574405 MLS ⋅ ACTIVE Status
Space, style, and a standout yard come together in this inviting west Anacortes home. The large, fully fenced backyard is beautifully landscaped with mature fruit trees, plenty of room to garden, play, relax, or entertain on the spacious deck. Inside, the open floor plan features engineered hardwood floors, warm wood beams, coved ceiling details, and fresh paint. A generous bonus room offers flexible space for a rec room, office, guests, or additional sleeping space. Upstairs are three bedrooms, including a primary suite with private bath and shower. Enjoy Guemes Channel water and mountain views from the back deck and the primary bedroom. Alley access with a double-wide gate adds versatility, while side parking provides room for an RV or boat, (no HOA) plus the convenience of a double car garage. Updates include new carpet, attic insulation, hot water heater, range, dishwasher, and fiber optic internet. Peace of mind comes with this pre-inspected home. Ideally located near Washington Park, beaches, trails, the San Juan ferry terminal, and just minutes from downtown Anacortes shopping and dining—an ideal location for enjoying the best of island living.

3912 W 4th Street, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$549,000
3 Beds ⋅ 2 Baths ⋅ 2572706 MLS ⋅ ACTIVE Status
Sweetheart of a single-level rambler on a beautifully landscaped lot with level front and back lawn areas, mature plantings, rhododendrons & graceful shade tree. Inside, an inviting entry opens to a bright living room anchored by a gas fireplace with a warm wood mantel, framed by a picture window that looks out over the greenery beyond. Rich wood-look flooring carries through the main living spaces, giving the home a warm, cohesive feel. The eat-in kitchen is full of character, with wood cabinetry, gas range and a slider that opens directly onto the deck that is perfect for morning coffee or evening meals outside. A second bank of built-in cabinetry nearby adds excellent bonus storage for pantry, baking space, or coffee nook. Down the hall are 3 bedrooms including a private primary suite with a walk-in closet and attached 3/4 bath, plus two additional bedrooms sharing a full hall bath. Fresh flooring and paint throughout keeps the whole home feeling move-in ready. Outside offers a fully fenced, park-like backyard shaded by established fruit trees and mature hedging that gives the entire yard a true sense of seclusion backyard retreat. An attached 2-car garage completes the package. Location is the icing on the cake: this home sits in an established neighborhood just minutes from the Anacortes Community Forestlands trails + lakes, downtown, marina and waterfront, schools and parks - the best of small-town island living, all within easy reach.

3801 37th Drive, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$1,211,000
3 Beds ⋅ 3 Baths ⋅ 2572138 MLS ⋅ ACTIVE Status
NOW OFFERED AT A COMPELLING NEW PRICE, this beautifully renovated Gibraltar Road home presents an exceptional opportunity to enjoy breathtaking, unobstructed views of Puget Sound, Whidbey Island and the surrounding mountains that take center stage at this 2,700+ sq. ft. home on a full acre. Along sought-after Gibraltar Road, a private paved driveway welcomes you to a peaceful retreat where privacy, space and spectacular scenery come together. Thoughtfully updated throughout, the home features new luxury vinyl plank flooring and carpeting, fresh interior paint, all-new lighting, beautifully remodeled bathrooms and a completely redesigned kitchen with new cabinetry and quartz countertops. The main living area has been opened up offering an open concept great room that really hits the mark. The fully finished lower level includes a convenient kitchenette, providing flexible space for guests, multigenerational living, entertaining or a private retreat. Step onto the expansive deck and enjoy sweeping water and mountain views that create an unforgettable backdrop for relaxing or gathering with friends. Additional improvements include new garage doors and brand-new 50-year roofs on both the home and detached garage. Private, spacious and truly move-in ready, this exceptional property offers the rare opportunity to experience the very best of Pacific Northwest living. Welcome Home!

15210 Gibralter Road, Anacortes

Listing courtesy of Keller Williams Rlty Bellevue.

$1,095,000
3 Beds ⋅ 2 Baths ⋅ 2571179 MLS ⋅ ACTIVE Status
Panoramic water, island and mountain views take center stage at this beautifully positioned single-level home in Anacortes. Thoughtfully designed to capture the setting, the 2,146 sq ft floor plan offers 3 bedrooms, 2 baths and easy one-level living with expansive windows that bring the scenery into the main living spaces. The large kitchen and living areas flow naturally to a spacious view deck—an ideal place for morning coffee, sunset dinners or simply taking in the changing marine landscape. The primary suite provides a comfortable retreat, while two additional bedrooms offer flexibility for guests, office space or hobbies. Outside, the fenced backyard is framed by mature landscaping and a privacy hedge, creating a private setting for relaxing or entertaining. A 3-car garage provides valuable room for vehicles, storage and recreation gear, and fresh exterior paint completed in July 2026 adds to the move-in-ready appeal. Enjoy private beach access and a kayak launch for an added connection to the water. With dramatic views, single-level convenience, generous garage space and sought-after shoreline amenities, this home offers a distinctive Fidalgo Island lifestyle at an exceptional new value.

6404 Warren Street, Anacortes

Listing courtesy of Lapis Homes.

$1,250,000
4 Beds ⋅ 3 Baths ⋅ 2566831 MLS ⋅ ACTIVE Status
Views, versatility, and garden beauty come together in this thoughtfully designed home in Anacortes, built in 2014. With approximately 2,941 square feet, the light-filled layout features four bedrooms, including a spacious main-level primary suite and an additional bedroom/office on the main floor, making everyday living effortless. The open kitchen, dining, and living areas form the heart of the home—perfect for slow mornings with coffee or lively dinner parties, as well as cozy evenings by the fireplace throughout the seasons. Upstairs, you'll find outstanding Bay/Mount Baker views, two more bedrooms, a full bath, a generous sitting area, and an oversized family room, allowing for flexible spaces ideal for movie nights, creative pursuits, remote work, or simply unwinding. Step outside, and the lifestyle continues. The covered front porch and private garden retreat serve as your own sanctuary. With mature landscaping, raised beds, trellises, paver patios, and an expansive deck, the outdoor space is perfect for summer barbecues, evening gatherings under the stars, or peaceful mornings filled with birdsong and greenery. An oversized three-car garage, extended driveway, and garden shed ensure ample space for all your gear, hobbies, and Northwest adventures. Beautifully maintained and filled with thoughtful details, this distinctive view home offers not just space, but a way of life—comfortable, connected, and quintessentially Anacortes.

2019 29th Place, Anacortes

Listing courtesy of Lapis Homes.

$575,000
3 Beds ⋅ 2 Baths ⋅ 2567577 MLS ⋅ ACTIVE Status
Welcome to this lovely brand-new 3-bedroom, 2-bath home tucked into a quiet Anacortes setting with water views and no HOA! The inviting farmhouse-style kitchen offers plenty of charm, while the separate dining room provides flexible space for dining, a home office, den, or hobby area. Enjoy your evening beverage from the covered front porch and watch the beautiful sunsets. Property has enough space for a garden. Appreciate the convenience of an attached one-car garage for parking and additional storage. Ideally located approximately one mile from Washington Park, with its boat launch, picnic areas, shoreline, and scenic hiking trails. The Ship Harbor Interpretive Preserve and waterfront trail are also within walking distance, the San Juan Islands ferry terminal is approximately two minutes away, and downtown Anacortes shopping, dining, and waterfront attractions are just five minutes from home. Fresh finishes, a thoughtful layout, and an exceptional location make this new home ready to enjoy!

4507 Oaks Avenue, Anacortes

Listing courtesy of eXp Realty.

$765,000
3 Beds ⋅ 3 Baths ⋅ 2560261 MLS ⋅ ACTIVE Status
Low-maintenance landscaping, sunlit interior & a top-tier locale — this home has the space you need & the location you've been wanting! 2,294 asf brimming with clean lines & thoughtful details, edging a greenbelt for the perfect blend of convenience & privacy. Highlights: 3 bedrooms plus a spacious bonus (currently a home gym), a Great room with gleaming hardwood floors, sky-high ceilings, picture windows & adjacent dining area. The open kitchen is light, bright & just right — granite countertops, ample storage & a seamless transition to the family room with gas fireplace, built-in shelving & fast access to the hand-laid back patio. Custom additions like a tankless water heater, EV charging & smart features infuse versatility & function into your daily routine. Add the attached 2-car garage, covered synthetic front porch & more…immaculately loved, subtly updated & waiting for you!

3819 Copper Pond Place, Anacortes

Listing courtesy of Windermere Whidbey Island.

$389,000
1 Beds ⋅ 2 Baths ⋅ 2564369 MLS ⋅ ACTIVE Status
Sweat Equity awaits!! Inside, you’ll find the home is filled with natural light and enhance the spacious feel of the open-concept living and dining areas. With solid bones and excellent upgrade potential, this property is ideal for buyers looking to build sweat equity while creating a home tailored to their vision. Refresh the finishes, remodel to your taste, or simply move in and update over time—the possibilities are endless. Conveniently located near shopping, dining, parks, schools, and all that Anacortes has to offer, this home combines an exceptional location with scenic views of the Water and Mount Baker. Make this your next home.

3719 Commercial Avenue, Anacortes

Listing courtesy of NextHome Preview Properties.

$2,200,000
4 Beds ⋅ 5 Baths ⋅ 2550125 MLS ⋅ ACTIVE Status
First time on the market, this timeless Anacortes residence captures the essence of elevated island living with sweeping 180-degree views of the islands and sound from one of the area’s luxury home neighborhoods. Classically designed and beautifully sited on a mature 0.38-acre hillside lot, the home offers over 5,000 sq. ft. of thoughtfully planned living space with a graceful main-level layout, generous gathering areas, and view-oriented rooms that make everyday living feel exceptional. The main floor features the primary suite, living room, kitchen with eating space, dining room, den + office, guest suite that can function as a second primary, bonus/craft room with laundry room, and mudroom with easy access from the upper covered carport -- creating ease, comfort, and flexibility. The lower level expands the lifestyle with a spacious rec room and additional guest spaces. Oversized garage that fits 3 cars (2 Bay Doors) with additional storage + boat or RV storage. This home is ideal for hosting, hobbies, or multi-generational living. Outside, established landscaping creates a sense of privacy and permanence, with covered secret garden spaces that invite quiet morning coffee, sunset conversations, and year-round enjoyment of the view. A rare offering with timeless character, mature grounds, and an irreplaceable Anacortes setting.

1608 Georgia Place, Anacortes

Listing courtesy of Lapis Homes.

$1,044,040
3 Beds ⋅ 4 Baths ⋅ 2564384 MLS ⋅ ACTIVE Status
Brand new custom home with breathtaking water views at a price that's hard to beat. Perched to capture sweeping views of the bay, sound, and surrounding scenery, this thoughtfully designed home combines comfort, quality craftsmanship, and timeless design. As you enter, you'll be welcomed by an open-concept floor plan with soaring ceilings, abundant natural light, marble countertops, high-end custom cabinetry, and quality finishes throughout. The main floor also features a dedicated office or bonus room, along with a spacious covered deck that's perfect for relaxing or entertaining while taking in the spectacular views. Every bedroom includes its own private ensuite bathroom, providing comfort and privacy for guests. The impressive primary suite offers stunning panoramic views, a 5-piece bathroom, an oversized walk-in closet, and a private covered balcony where you can enjoy breathtaking 180-degree vistas morning and night. Car enthusiasts and hobbyists will appreciate the oversized 1,692-square-foot three-bay garage, complete with ample room for vehicles, storage, toys, or a workshop. This is a rare opportunity to own a brand new custom home that offers incredible views, thoughtful design, quality craftsmanship, and exceptional value. Be sure to check out the virtual tour video, then schedule your private showing to experience everything this home has to offer in person.

3706 W 3rd Street, Anacortes

Listing courtesy of NextHome 365 Realty.

$879,000
3 Beds ⋅ 2 Baths ⋅ 2547691 MLS ⋅ ACTIVE Status
Turnkey single-level view home with RV parking and a two-car garage, centrally located minutes from downtown Anacortes. Experience convenient one/main-level living in Anacortes at 1810 Island View Place, a Northwest Contemporary rambler designed to showcase stunning views of the city, islands, mountains, and Puget Sound from its bright, open spaces. This 3-bedroom, 2-bathroom home is set on a 0.27-acre lot in central Anacortes and offers approximately 2,317 square feet of living space. Inside, you'll find vaulted ceilings, hardwood floors, a cozy gas fireplace, a dining room, and a kitchen with eating space. The serene primary suite features an attached bathroom and a walk-in closet. The home's layout is designed for easy living, with the entry, great room, kitchen, dining area, primary bedroom, and utility room all located on the main level. Enjoy seamless indoor-outdoor living with a deck, patio, garden space, partial fencing, and RV parking. Additional features include an attached 2-car garage, 2 year old furnace with electrostatic filter, new interior paint and carpet, available gas service, high-speed internet, double-pane windows, a built-in vacuum system, and an on-demand water heater. Meticulously maintained by current owner on a manageable lot in a central location, with access to city utilities. Close to downtown Anacortes, Anacortes Pool, parks, and trails, making it an ideal blend of views, functionality, and easy living.

1810 Island View Place, Anacortes

Listing courtesy of Lapis Homes.

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