Birch Bay Homes with FHA Terms

Birch Bay Homes with FHA Terms

Birch Bay, located in Blaine, Washington, is a charming neighborhood nestled in Whatcom County. This coastal community offers a serene and picturesque setting, making it an ideal place to call home. With its close proximity to the US-Canada border, Birch Bay provides easy access to both natural beauty and urban amenities.

The neighborhood boasts a variety of housing options, including homes with FHA terms. This means that potential homebuyers can take advantage of Federal Housing Administration loans, which offer more flexible qualification requirements and lower down payment options. Whether you are a first-time homebuyer or looking to upgrade your current residence, Birch Bay has options to suit your needs.

Living in Birch Bay means enjoying a range of recreational activities. The area is renowned for its stunning beach, where residents can relax, swim, or take a leisurely stroll along the shoreline. Outdoor enthusiasts will appreciate the nearby Birch Bay State Park, offering hiking trails, camping facilities, and opportunities for boating and fishing.

In addition to its natural beauty, Birch Bay also offers a variety of amenities. The neighborhood is home to a range of local shops, restaurants, and cafes, providing residents with convenient access to everyday essentials and dining options. For those seeking a bit more excitement, the nearby city of Blaine offers additional shopping, entertainment, and cultural experiences.

With its idyllic location, diverse housing options, and FHA terms availability, Birch Bay presents an attractive opportunity for homebuyers. Whether you are drawn to the breathtaking scenery, the range of recreational activities, or the convenience of the neighborhood, Birch Bay is a place where you can truly feel at home.

Newest Birch Bay Homes with FHA Terms

$499,999
3 Beds ⋅ 3 Baths ⋅ 2574272 MLS ⋅ ACTIVE Status
Offered by the original owner, 3 bedroom, 2.5 bath this 1,533 square feet home has both a living room and family room. Also on the main level features an open kitchen and dining area, with a gas fireplace and direct backyard access from the family room. Upstairs, the primary bedroom includes a private bath and walk in closet along with two additional bedrooms. The fenced backyard backs to the greenbelt area of Lions Park, providing added privacy with no home directly behind you. The backyard includes garden space with the greenbelt extending beyond the fence. An attached 2 car garage provides parking and storage. Located in the Birch Bay area with easy access to I-5 and Birch Bay.

7536 Clamdigger Drive, Blaine

Listing courtesy of RE/MAX Whatcom County, Inc..

$584,950
5 Beds ⋅ 3 Baths ⋅ 2574858 MLS ⋅ ACTIVE Status
Model Open Thurs- Monday 12-5. Great Opportunity for Affordable New Construction home featuring 2319 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room, Corner lot that backs to Green Area. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath (optional upgrade) large shower and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Covered back patio great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Just minutes from the Border crossing.

4501 Noel (Lot 85) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$650,000
3 Beds ⋅ 3 Baths ⋅ 2571889 MLS ⋅ ACTIVE Status
Enjoy the relaxed coastal lifestyle of Birch Bay from the desirable gated Sea Links community, where days can begin with a walk to the beach and end soaking in the hot tub surrounded by the sights and sounds of nature. Beautiful views of Birch Bay, generous outdoor living spaces, and a large backyard backing to a peaceful pond create a setting that feels like a retreat. Inside, the home pairs an upscale feel with comfortable everyday living. The kitchen features granite countertops, new stainless appliances, a French-door pantry, and custom built-in hutch, complemented by designer lighting and elegant cove molding throughout. The main-floor primary suite offers the ease of one-level living with a private balcony and en suite bath featuring heated travertine floors. Downstairs, a large daylight basement with direct access to the lower deck opens up a world of possibilities. Create a private multigenerational or guest space, home theater, fitness studio, game room, home office, or a combination that fits your lifestyle. Outside, two expansive decks provide plenty of room for entertaining, dining, or simply unwinding while overlooking the pond and abundant wildlife. With a spacious yard, hot tub, gated community setting, and the beach just a short stroll away, this is a home designed to make the most of life in Birch Bay.

4771 S Golf Course Drive, Blaine

Listing courtesy of COMPASS.

$594,999
4 Beds ⋅ 3 Baths ⋅ 2571012 MLS ⋅ ACTIVE Status
This is what "move-in ready" actually looks like: fresh paint, new carpet, and a deck that's already begging for a dinner party. Inside, two separate living spaces mean movie night and quiet time can happen at once. No remote negotiations required. The updated primary shower is the kind of detail you appreciate daily, not just on move-in day. Four bedrooms and 2.25 baths across 1,920 square feet leave room to actually use: a home office that closes its door, or a guest room that isn't doubling as storage. Built in 2006, it's got the bones of something solid without the upkeep of something old. Outside, the yard is fully fenced on a corner lot. Plenty of space to plant something ambitious or let the dog run loose. The deck and pergola function are built for enjoying long evenings. Two-car garage, plus driveway and street parking so that nobody's circling the block here. Beach and downtown Blaine are both a short drive away, close enough that "let's just go" is always the plan. Homes this dialed in, at this price, don't sit around long.

4840 Outrigger Loop, Blaine

Listing courtesy of Bellwether Real Estate.

$515,000
3 Beds ⋅ 3 Baths ⋅ 2570880 MLS ⋅ ACTIVE Status
Welcome to your Birch Bay retreat, just a short stroll from the beach and the beloved The C Shop Cafe. Built in 2015, this light-filled home combines modern finishes with easy coastal living, including a peek-a-boo ocean view from the upstairs bedroom. The open-concept main level features quartz countertops, soft-close cabinetry, stainless steel appliances, and durable hardwood laminate flooring throughout. Upstairs, the spacious primary suite offers a walk-in closet and private ensuite bath, along with two additional bedrooms and a full guest bath. Step outside to a fully fenced backyard with space to entertain, garden, or simply relax after a day by the shore. Whether you're searching for a full-time residence, vacation escape, or investment opportunity, this move-in-ready home offers the perfect blend of comfort, convenience, and Birch Bay charm all close to beaches, dining, and local attractions.

4662 Alderson Road, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$490,000
4 Beds ⋅ 3 Baths ⋅ 2568889 MLS ⋅ ACTIVE Status
Price update! Price reduced and sellers now offer up to $5,000 in seller paid closing costs! Welcome to this well-kept and affordably priced 4-bedroom, 2.5-bath home in the desirable Bay Crest neighborhood of Birch Bay. The thoughtfully designed floor plan offers plenty of space to spread out, with a downstairs bedroom that provides flexibility as a guest room, home office, hobby space, or additional living area. Head upstairs to find the rest of the bedrooms, including the master with ensuite bathroom and walk-in closet. The property features a private, fully fenced back yard with a large deck, great for entertaining, gardening, and pets. Enjoy being within walking distance of the beach and nearby walking trails as well as downtown Birch Bay, making it easy to take advantage of the area's natural beauty and relaxed coastal lifestyle.

7364 Clamdigger Drive, Birch Bay

Listing courtesy of HomeSmart One Realty.

$562,950
5 Beds ⋅ 3 Baths ⋅ 2569466 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for October closing. Models Open Thurs-Mon 12-5PM.

4513 Noel (Lot 79) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$545,950
4 Beds ⋅ 3 Baths ⋅ 2569367 MLS ⋅ ACTIVE Status
Model Open Thurs-Monday12-5PM. Home backs to the Green Belt, no one to the South. Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. September closing, 1% in closing costs w/ Preferred Lender, all appliances included. Border Crossing is just 5 miles away.

4503 Noel (Lot 84) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$559,950
5 Beds ⋅ 3 Baths ⋅ 2569358 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for September closing.

4529 Noel (Lot 71) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$539,950
4 Beds ⋅ 3 Baths ⋅ 2569022 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Fully fenced yard and all appliances included. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Fully fenced and finished backyard, all appliances. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Home is complete. Border Crossing is just 5 miles away.

4519 Cirque (Lot124) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$420,000
3 Beds ⋅ 2 Baths ⋅ 2567648 MLS ⋅ ACTIVE Status
Experience the best of Birch Bay in this charming, fully furnished 3-bedroom, 2-bath home, perfectly positioned between Terrill Creek and sweeping bay views. Recently remodeled, this light-filled home offers a comfortable, open floor plan that's ideal as a primary residence, vacation home, or income-producing short-term rental. Wake up to creek views from the kitchen and back deck, then unwind in the evening with spectacular sunsets and ocean views from the living room and front deck. The spacious primary suite provides a relaxing retreat with a walk-in closet and private ensuite bath featuring ample counter space. Recent updates, including new appliances, add modern convenience, while generous parking and a storage shed provide plenty of room for your vehicles and gear. Located just moments from Birch Bay State Park, local beaches, the beloved C Shop, restaurants, and year-round recreation, this is an exceptional opportunity to own a turnkey home in one of Birch Bay's most desirable locations.

7424 Cotterill Boulevard, Blaine

Listing courtesy of Coldwell Banker Bain.

$610,000
3 Beds ⋅ 3 Baths ⋅ 2568341 MLS ⋅ ACTIVE Status
Welcome to this turnkey 3-bedroom, 2.75-bathroom single-story home nestled on a quiet cul-de-sac! Enjoy effortless one-level living with stylish modern updates throughout, including fresh interior paint, brand-new carpet, and elegant quartz countertops featured in the kitchen and every bathroom. The kitchen offers plenty of cabinets, gas stove/range. The private primary suite serves as a relaxing retreat, featuring a well-appointed attached bath with dual vanities, a deep jetted bathtub, a separate walk-in shower, a generous walk-in closet, and access to the back patio. Complete with a spacious two-car garage offering plenty of room for parking and extra storage, this move-in-ready gem offers peace, convenience, and low-traffic privacy.

5426 Ocean Mist Loop, Blaine

Listing courtesy of Keller Williams Western Realty.

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