Black Lake Homes with FHA Terms

Black Lake Homes with FHA Terms

Welcome to Black Lake, a charming neighborhood located in Thurston County, Washington, United States. Known for its natural beauty and tranquil surroundings, Black Lake offers a peaceful and idyllic setting for residents to call home.

Situated in the heart of Washington, Black Lake is surrounded by stunning landscapes, including the pristine Black Lake itself. This picturesque lake provides residents with opportunities for fishing, boating, and other water activities, making it a haven for outdoor enthusiasts.

The neighborhood of Black Lake is perfect for those looking for homes with FHA terms. FHA, or Federal Housing Administration, loans offer flexible financing options to potential homebuyers, making homeownership more accessible. With FHA terms, buyers can enjoy lower down payments, competitive interest rates, and easier credit qualifications.

In Black Lake, you'll find a variety of homes available with FHA terms. From cozy cottages to spacious family homes, there is something for everyone's taste and budget. Whether you're a first-time homebuyer or looking to upgrade to a larger property, Black Lake has options to suit your needs.

Living in Black Lake means enjoying a close-knit community where neighbors become friends. The neighborhood boasts excellent schools, convenient shopping centers, and easy access to major highways for commuting to nearby cities.

If you're searching for a peaceful neighborhood with FHA terms, Black Lake is the ideal place to call home. Experience the beauty of nature, the warmth of community, and the convenience of flexible financing options in this charming Thurston County neighborhood.

Newest Black Lake Homes with FHA Terms

$675,000
3 Beds ⋅ 2 Baths ⋅ 2571915 MLS ⋅ ACTIVE Status
Rare opportunity for modern, one-level living on a shy 6 acres near Black Lake! Crisp, airy, abundant kitchen including an ample pantry, island with storage, custom cabinetry, and granite countertops. Solar panels keep energy costs low, an EV charging station is ready to use, and your comfort's guaranteed year round with high efficiency heating and air. Other features include ethernet throughout the entire home, a dedicated office/den space, a covered patio off the back slider, and three spacious bedrooms; the primary bedroom's five piece en suite includes a soaking tub and generous shower with dual showerheads. Oversized two car garage has a separate additional workshop off the back with its own temperature control for yet more studio, gym, storage, or hobby space. There's room to grow, garden, add a shop, or even place an ADU on this level parcel- or simply enjoy the surrounding wildlife and privacy. Walk to Kenneydell park to explore its 40 acres of wooded trails or pull your boat 2 minutes down the road to the public launch. This convenient location that feels apart from it all has so much to offer- while still just minutes to shopping, schools, healthcare, and more!

8024 Fairview Road SW, Olympia

Listing courtesy of Realty One Group Bold.

$415,000
3 Beds ⋅ 1 Baths ⋅ 2557003 MLS ⋅ ACTIVE Status
Nicely updated rambler in Evergreen Shores that comes with Black Lake access. This move in ready, 3 bedroom home boasts a large driveway offering an abundance of parking. This home features new interior and exterior paint, roof, doors/millwork, new laminate flooring, tiled bathroom, new countertops, appliances, garage doors and more. Relax in the exquisite jetted soaking tub in this updated 5 piece, tiled bathroom. Bright kitchen with new appliances and tiled backsplash. Relax/entertain in the backyard on the large Trex deck. Storage shed with new roof. Carport for extra parking. Plenty of room for a boat or RV. Evergreen Shores HOA includes access to Black Lake with its boat launch, dock and seasonal pool minutes away!

7812 Greenridge Street SW, Olympia

Listing courtesy of Abbey Realty Inc.

$675,000
3 Beds ⋅ 3 Baths ⋅ 2553822 MLS ⋅ ACTIVE Status
Fall in love with this charming home. This quality-crafted home offers the perfect blend of comfort, space, and convenience! Featuring 3 bedrooms, 2.5 bathrooms, and approximately 1,800 square feet on the main floor and an 800+/- finished basement providing space for storage, home gym, hobbies or a rec room the possibilities are endless. You’ll enjoy both a spacious living room and separate family room, plus a dining area this home is perfect for everyday living and entertaining. A new roof on the house offers added peace of mind, and with no HOA, you’ll enjoy the freedom to make this property your own. Car enthusiasts, woodworkers, and hobbyists will appreciate the detached two-bay shop complete with heater and generous overhead storage. Ideally located just minutes from Kenneydell Park, the Black Lake public boat launch, scenic nature trails, and convenient shopping including Costco, Home Depot, and Fred Meyer, this home combines a peaceful setting with easy access to everything you need. A wonderful opportunity to enjoy the sought-after Black Lake lifestyle!

7718 Fairview Road SW, Olympia

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

$629,900
3 Beds ⋅ 3 Baths ⋅ 2554921 MLS ⋅ ACTIVE Status
Tucked at the end of a quiet cul de sac in desirable Black Lake Terrace, this spacious 1 story home offers privacy, flexibility, and an impressive list of upgrades. Freshly updated with brand new carpet throughout and new kitchen flooring, it is ready for its next chapter. Backing to a peaceful greenbelt with mature landscaping, the setting feels tucked away while still being just minutes from Costco, shopping, dining, schools, parks, medical services, and I 5 access. The thoughtful split bedroom floor plan features 3 bedrooms, including two spacious primary suites, a flexible space with potential as a 4th bedroom or guest room, plus a separate den ideal for a home office, hobby room, or additional living space. The light filled great room features solar tubular lighting and a cozy gas fireplace, while the kitchen offers granite countertops, stainless steel appliances, and convenient pullout organizers. Enjoy lower energy costs with 24 owned solar panels, plus a heat pump, smart lighting and thermostat features, gutter guards, generator wiring, and hot tub hookup. Outside, the fully fenced backyard offers a sprinkler system, established garden beds, and a fantastic covered 14x30 patio with ceiling fans and a custom removable screen system installed in 2025. Space, privacy, upgrades, and location, this one checks all the boxes!

4105 61st Ct. Street, Olympia

Listing courtesy of Better Properties Grays Harbor.

$649,999
4 Beds ⋅ 3 Baths ⋅ 2544623 MLS ⋅ ACTIVE Status
Extremely Motivated seller. Improved priced & exceptional opportunity!!! This custom crafted residence is just minutes from desirable Black Lake, nestled in a cul-de-sac. Shy of 3000 sf home with expansive ceiling height and open concept design. This beautiful home features 4 large bedrooms, an office space, a bonus room, plus 2 living rooms. Plenty of space for everyone! Kitchen features granite counters, oversized island & walk in pantry, & Gas range. Main level has a full bath, making it perfect for guests or multi generational living. Upstairs you will find the primary suite with 2 walk in closets & spa inspired bathroom. Large Tub and separate shower space and dual individual sinks. Additional bedrooms connect to a jack & jill bathroom. Step outside to a large and level fully fenced backyard, with covered porch that you can enjoy year round. This peaceful backyard has pear and apple trees, a large shed & backs up to a green space. Enjoy the perfect blend of privacy & convenience with easy access to Olympia, & Tumwater, plus Black Lake, where residence can take advantage of boating, fishing, kayaking, and recreation. Lender incentives 1-0 buy down for qualified buyers. 1 year Home Warranty.

4041 61st Court SW, Olympia

Listing courtesy of Berkshire Hathaway HS NW.

$520,000
3 Beds ⋅ 3 Baths ⋅ 2538693 MLS ⋅ ACTIVE Status
Pacific Northwest living at its finest!If you are looking for privacy you will love, this move-in-ready home sits on nearly half an acre in a sought-after lake community, offering the perfect blend of privacy, modern updates, and everyday convenience. Surrounded by mature evergreens, you'll enjoy a peaceful, wooded setting just 4 miles from shopping, dining, and services in Olympia. Inside, the thoughtfully updated 3-bedroom, 2.5-bath home features a dedicated office, spacious open living areas, and stylish modern finishes throughout. The beautifully remodeled kitchen offers newer appliances, abundant cabinetry, generous counter space, and a seamless flow into the dining and living areas—perfect for entertaining or everyday living. Step outside to the covered deck and enjoy year-round outdoor living while taking in the tranquil natural surroundings. Located next to Capital Forest, you'll have easy access to miles of hiking, biking, and walking trails. Enjoy private community lake access with a boat launch, swimming pool, clubhouse, park, and picnic areas—all just a short walk away. Whether you're kayaking, fishing, swimming, or simply relaxing by the water, this community offers the Pacific Northwest lifestyle buyers are searching for. If you're looking for a turnkey home with modern updates, privacy, and outdoor recreation, this is one you won't want to miss.

5304 Box Elder Court SW, Olympia

Listing courtesy of Real Broker LLC.

$539,000
3 Beds ⋅ 2 Baths ⋅ 2537497 MLS ⋅ ACTIVE Status
Motivated Seller! Single level living in the desirable Black Lake community! Completely updated 3 bedroom two bath home offering an open floor plan with over 1600 sq. ft sitting on a large level lot just shy of 1 acre. Fully fenced backyard, two car garage, covered porch and plenty of parking for your boat and RV. You will love the flow of this living space featuring cozy wood burning fireplace and extra large back deck perfect for entertaining or enjoying your morning coffee in the "park-like" setting. Chefs dream kitchen with Calcutta counter tops, newer LPV flooring throughout and fresh paint! Enjoy nearby Kennydell park which offers access to swimming, play areas and pic-nic tables. Close to I-5, Shopping. Schools, Dining and JBLM.

8212 Ethan Court SW, Olympia

Listing courtesy of Skyline Properties, Inc..

$450,000
3 Beds ⋅ 2 Baths ⋅ 2522592 MLS ⋅ ACTIVE Status
Welcome to Black Lake! This turnkey home puts you just seconds from the water, and the front porch makes sure you never forget it. Whether it's morning coffee or an evening unwind, that view earns your attention every single time. Inside, the living room flows seamlessly into the kitchen and dining area, making the space feel both connected and easy to live in. The kitchen boasts tile countertops, a gas range, stainless steel appliances, and plenty of pantry and storage space. A separate family room gives you the flexibility to spread out, and the built-in cabinetry adds a touch of character that is rare to find. All three bedrooms are functional and well-sized, with the primary suite tucked at the end of the hall for privacy. Inside you'll find a spacious walk-in closet and a full 5-piece en suite bath complete with a massive soaking tub - the kind you'll actually use. Step outside and the property opens up. A long private driveway means parking is never an afterthought. Garden beds wrap the home, the rock fire pit anchors the backyard for year-round entertaining, a large shed for all your tools, and the lake is just a short walk from your front door. Perfectly located near Capitol Mall, shopping, groceries, restaurants, and schools - with quick access to major highways when you need to get moving. Warm, welcoming, and move-in ready. Come make it yours before someone else does!

3939 Black Lake Boulevard SW, Tumwater

Listing courtesy of Premier Real Estate Partners.

$1,700,000
7 Beds ⋅ 6 Baths ⋅ 2496742 MLS ⋅ ACTIVE Status
Amazing opportunity on just over 42 acres of prime recreational land with two homes and access to all that Black Lake has to offer. The main home boasts 4 bedrooms and 4 bathrooms, including two primary suites with en-suite baths and walk-in closets. An updated kitchen and wraparound porch create the perfect setting to enjoy the peaceful surroundings. Expansive acreage provides endless space to roam, play, and connect with nature. The ADU offers incredible flexibility with a bonus living area, along with 3 bedrooms and 2 bathrooms with shared access—ideal for rental income or multi-generational living. Take in stunning views of Mt. Rainier and the Olympic Mountains while enjoying privacy and seclusion, yet remaining conveniently close to local amenities. A rare opportunity to own your own Pacific Northwest retreat.

5647 Black Lake Boulevard SW, Olympia

Listing courtesy of LPT Realty LLC.

$895,000
3 Beds ⋅ 3 Baths ⋅ 2488727 MLS ⋅ ACTIVE Status
Tucked away in a quiet Black Lake neighborhood, this spacious custom home offers a rare combination of seclusion & convenience. Soaring ceilings & immaculate hardwood floors create an inviting first impression through French doors to formal living & dining rooms. Private primary suite wing is its own retreat, complete w/ dedicated office, NEW CARPET, large walk-in closet, & spacious 5-piece bath w/ jetted soaking tub & dual vanities. French doors lead to a freshly painted wraparound deck & hot tub overlooking the expansive acre lot. Heart of the home is an oversized kitchen designed for gathering, w/ newer matching appliances, double ovens, massive island w/ cooktop & prep sink, seating for six at the breakfast bar, abundant cabinetry, & walk-in pantry. Second living room w/ gas fireplace & French doors to the deck provides flexible entertaining space. Generously sized bedrooms, large bonus room above the 1,104 sf 3-car garage, & sprawling floor plan make this home feel even larger in person. Additional features include central vacuum system, large laundry room, dedicated mudroom, RV carport w/ gated access + additional RV parking, & a fully fenced yard with classic white picket fencing. Major updates include newer AC, furnace, & water heater, interior paint refresh; professionally refreshed crawl space w/ dual sump pumps. Minutes from Tumwater, Olympia's Westside, & schools. Residents also enjoy private community lake access w/ newer dock & water usage included in dues.

5410 Klipsun Lane SW, Olympia

Listing courtesy of MVP Realty Group.

$500,000
2453742 MLS ⋅ ACTIVE Status
Nestled just a block from beautiful Black Lake, this partially cleared 0.24-acre lot offers the perfect canvas to build your dream home or getaway retreat. Surrounded by evergreens and tucked on a quiet street, you’ll enjoy community access to a private clubhouse, park, boat launch, fishing dock, and swimming area. Power and water are available, with community well and utilities nearby. Buyer to verify building potential with the county. A peaceful setting close to town—come explore the possibilities at Black Lake!

7620 SW Sprucecrest Street, Olympia

Listing courtesy of Terrafin.

$500,000
3 Beds ⋅ 2 Baths ⋅ 2436730 MLS ⋅ ACTIVE Status
PAY ATTENTION TO THIS ONE! This property has special features/benefits that are hard to find. It may be the home you're looking for, READ ON! The original home was built as a 2 bed,1 bth w/ a 2 car garage. The garage was converted to a separate living room/apartment/office/ 3rd bedroom w/ 3/4 bath. Think extended living, small business, extra income or ???. The home features vaulted ceiling w/ skylights, galley style kitchen, dining room w/ slider to expansive deck, good sized bedrooms and updated fixtures in the bathroom. The heat source is a highly efficient radiant gas system, highly attractive to those with allergies. Outside, you will find a paved access to a 540 sqft heated shop w/ office space and RV cover/carport. Wildlife abounds!

7123 Lakeside Street SW, Olympia

Listing courtesy of Keller Williams South Sound.

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