Central Kitsap Homes with FHA Terms

Central Kitsap Homes with FHA Terms

Located in Bremerton, Washington, Central Kitsap is a vibrant neighborhood that offers a perfect blend of suburban charm and urban convenience. Situated in Kitsap County, this area is renowned for its natural beauty, thriving community, and excellent amenities.

Central Kitsap is a popular choice for homebuyers due to its close proximity to the city of Bremerton. With easy access to major highways and public transportation, residents can easily commute to work or explore the surrounding areas. The neighborhood is also home to several parks, hiking trails, and outdoor recreational spaces, making it an ideal place for nature enthusiasts and families.

One notable aspect of the homes in Central Kitsap is their eligibility for FHA terms. The Federal Housing Administration (FHA) offers loans that are designed to make homeownership more accessible and affordable for first-time buyers or those with lower credit scores. This means that prospective buyers in Central Kitsap can take advantage of these FHA terms to secure their dream home with more flexible down payment options and competitive interest rates.

Whether you're looking for a cozy townhouse, a spacious single-family home, or a charming cottage, Central Kitsap has a diverse range of properties to suit various budgets and preferences. With its welcoming community, convenient location, and FHA terms available, Central Kitsap is an excellent neighborhood to consider for your next real estate investment.

Newest Central Kitsap Homes with FHA Terms

$584,000
4 Beds ⋅ 3 Baths ⋅ 2572869 MLS ⋅ ACTIVE Status
So much space and comfort in this beautifully maintained East Bremerton home, tucked away on a quiet cul-de-sac within the Central Kitsap School District. The generous layout features 4 bedrooms plus a bonus room, including two primary suites—one on each level. The lower suite offers a cozy fireplace and a well-appointed closet, creating a true retreat. The fully fenced backyard is ready for relaxing, playing, or gardening, with plenty of room to enjoy the outdoors. Just minutes from Silverdale, the ferry, PSNS, schools, and shopping, this home blends everyday convenience with a peaceful neighborhood setting. A spacious, flexible home in a sought-after location—this one checks all the boxes.

991 Melia Lane NE, Bremerton

Listing courtesy of Manette Real Estate Co..

$510,000
3 Beds ⋅ 3 Baths ⋅ 2570415 MLS ⋅ ACTIVE Status
Ask about VA 2.5% assumable option. Located in Skyline Estates, this one-owner home offers 3 bedrooms, 2.5 baths and 1,689 sq ft with plenty of opportunity to make it your own. The light-filled main level features formal living and dining rooms, a family room with wood-burning fireplace and an updated kitchen with granite countertops, newer cabinetry, stainless steel appliances, gas cooktop and double ovens. Skylights, shutter-style blinds and newer Ply Gem windows add to the natural light throughout. Upstairs you'll find new carpet, two additional bedrooms, a full bath with skylight and a spacious primary suite featuring Brazilian cherry hardwood floors, walk-in closet and 5-piece bath with custom tile and walk-in shower. Major updates include a heat pump approximately 2 years old and a brand-new natural gas water heater. Generator stays with the home. Natural gas also serves the cooktop, furnace and dryer. Outside, enjoy a fully fenced, private backyard with mature trees and a freshly stained deck. Additional unfinished space below the home is accessed from the exterior and includes power and heat vents, offering excellent storage, workshop or hobby potential. No HOA! Across from Cottonwood Elementary, walking distance to Fairview Middle School and convenient to Silverdale, naval bases and commuter routes.

8514 Bender Circle NE, Bremerton

Listing courtesy of Infinity Real Estate, LLC.

$569,000
1 Beds ⋅ 1 Baths ⋅ 2570496 MLS ⋅ ACTIVE Status
Come experience the charm of this beautiful 2.3-acre Bremerton property, where stunning mountain views, mature trees and a peaceful setting create a wonderful sense of privacy. This property gives you options. The very nice 1-bedroom view home offers comfortable living and a great place to enjoy the property while planning your future vision. A large, attached garage beneath the home provides plenty of room for vehicles, hobbies and storage, while a 12 x 16 shed features a garage door designed to complement the home. The property is served by a 4-bedroom septic system and 4-party shared well, with an established driveway and electrical service already in place. Mature trees provide a natural backdrop and enhance the peaceful atmosphere. Conveniently located near Bremerton and Silverdale, this is a rare opportunity to enjoy acreage without starting from scratch. Whether you're looking for a private retreat, room for your vehicles and hobbies, or an established homesite for a future custom home, this property offers flexibility for today and tomorrow. Beautiful views, a comfortable home, useful improvements and 2.3 acres of Northwest privacy come together in a property with character, possibilities and room to make it your own.

10154 NW Merlins Lane, Bremerton

Listing courtesy of Better Properties Kitsap.

$630,000
4 Beds ⋅ 3 Baths ⋅ 2567200 MLS ⋅ ACTIVE Status
Welcome to this spacious and versatile Central Kitsap home where comfort, flexibility, and beautiful Olympic Mountain views come together! Enjoy gorgeous sunsets from the main living spaces and deck, creating the perfect backdrop for everyday living and entertaining. The generous primary suite features its own 3/4 bath, while the beautifully remodeled full guest bath on the main floor adds fresh, modern style. Downstairs, discover even more possibilities with a remodeled full bath featuring a large tiled walk-in shower. The expansive lower-level space offers incredible flexibility as a second primary suite, recreation or media room, guest quarters, home office, or multi-generational living space. With multiple gathering areas, abundant storage, an attached 2-car garage, and room to adapt as your needs change, this home offers space in all the right places. Conveniently located with easy access to Bangor, PSNS, the Bremerton ferry terminal, shopping, restaurants, medical centers, and everyday amenities. A wonderful combination of views, versatility, and Central Kitsap convenience! Mortgage savings may be available for buyers of this listing.

1875 NE Bentley Drive, Bremerton

Listing courtesy of Redfin.

$465,000
4 Beds ⋅ 3 Baths ⋅ 2568171 MLS ⋅ ACTIVE Status
Warning: This home may cause an uncontrollable urge to start packing! Built in 2021 & perfectly positioned on one of the community's most desirable corner lots, directly across from the park & additional guest parking. This 3-story home features 4bed/3ba & nearly 2,000 sqft of thoughtfully designed living space. Oodles of windows fill the home w/natural light, while the open-concept kitchen, dining & living areas flow effortlessly together for everyday living & entertaining. Central natural gas heating/cooling & tankless water heater. A main-level bedroom & 3/4 bath offers incredible flexibility w/limited stairs—perfect for guests, home office or potential MIL space. Generously sized bedrooms offer plenty of room to spread out, while upstairs laundry keeps life simple, because no one wants to haul laundry baskets up & down the stairs! Outside, enjoy low-maintenance living without giving up outdoor space. The park across the street feels like an extension of your own yard, without having to mow it! A single-car garage provides covered parking/storage, while the exterior EV charger makes charging at home a breeze. Located in the highly sought-after Central Kitsap School District & centrally positioned between Bremerton & Silverdale, you're minutes from shopping, dining, medical, parks & recreation, w/convenient access to bases & major commuter routes. Whether you're moving from across town or across the country, this could be your next place to call home in Beautiful Kitsap!

934 NW Highgarden Drive, Bremerton

Listing courtesy of Redfin.

$615,000
4 Beds ⋅ 3 Baths ⋅ 2562409 MLS ⋅ ACTIVE Status
Welcome home to this immaculate, like-new 4-bedroom plus office residence located in the highly coveted Central Kitsap School District. This bright and airy home seamlessly blends comfort with modern finishes. The main level features high ceilings, durable engineered hardwoods, and a beautiful open kitchen with quartz countertops, stainless appliances, and a massive island that flows perfectly into the great room and cozy fireplace area. Upstairs, the spacious primary suite serves as your private retreat, complete with a five-piece bath and a generous walk-in closet. Three additional oversized bedrooms offer plenty of space for guests or a home gym. Outside, you can relax or entertain in the tidy, low-maintenance yard. Situated just minutes from Naval Base Kitsap-Bangor, St. Michael Medical Center, shopping, and dining, this home offers the perfect mix of convenience and neighborhood charm. $574,000 VA assumable loan at 5.875%.

9237 Mint Loop NW, Bremerton

Listing courtesy of RE/MAX Exclusive.

$589,900
4 Beds ⋅ 3 Baths ⋅ 2562839 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained 4-bedroom, 2.5-bath home offering 1,865 square feet of comfortable living space on a generous .24-acre lot. Ideally located in the heart of Central Kitsap, you'll enjoy convenient access to top-rated schools, shopping, military bases, parks, and everyday amenities.Inside, you'll find an updated kitchen that serves as the heart of the home, complemented by fresh interior paint and a functional floor plan designed for both everyday living and entertaining. Step out onto the spacious deck just off the kitchen—perfect for summer barbecues, morning coffee, or gathering with friends while overlooking the beautifully landscaped, tiered backyard with peaceful territorial views.The oversized three-bay garage provides ample room for vehicles, storage, hobbies, or a workshop. With its desirable location, thoughtful updates, and inviting outdoor spaces, this Central Kitsap home offers the perfect combination of comfort, convenience, and lifestyle.

9787 Enchantment Avenue NW, Silverdale

Listing courtesy of RE/MAX Anchor.

$435,000
3 Beds ⋅ 3 Baths ⋅ 2561357 MLS ⋅ ACTIVE Status
Welcome to Silverdale in the heart of Central Kitsap! This stylish, low-maintenance home features a modern open-concept design that's perfect for everyday living and entertaining. The spacious kitchen is the heart of the home, complete with a large island ideal for meals, abundant cabinetry, stainless steel appliances, high ceilings, and durable luxury vinyl plank flooring. Just off the kitchen, step onto the private balcony—the perfect spot to enjoy your morning coffee or unwind with some fresh air. The tandem two-car garage offers plenty of room for parking plus additional storage. Upstairs, you'll find three comfortable bedrooms, including a spacious primary suite with a private ensuite bathroom. The upper level also features a convenient laundry area. Outside, the fully fenced backyard/patio provides the perfect space for relaxing, entertaining, gardening, or creating your own outdoor retreat. Stay comfortable year-round with central air conditioning—a rare and highly desirable feature in the area. Conveniently located just minutes from Highway 3, shopping centers, the Kitsap Mall, Naval Base Kitsap, Bangor, PSNS, and a variety of restaurants and amenities, this home offers the perfect blend of comfort, convenience, and modern living. Don't miss your opportunity to make it yours—schedule your showing today!

826 NW Highgarden Drive, Bremerton

Listing courtesy of 360 Real Estate Group.

$627,500
4 Beds ⋅ 3 Baths ⋅ 2560595 MLS ⋅ ACTIVE Status
Beautifully crafted, Valley View Estates home, offers the perfect blend of quality, comfort, and convenience. The open-concept design features 9' ceilings, abundant natural light, and a spacious living room with a cozy gas fireplace. This gourmet kitchen is the heart of the home with its custom cabinetry and stainless steel appliances, large island and walk in pantry. Upstairs, the luxurious primary suite offers a spa-inspired bath with soaking tub, tile shower, dual vanities, and a generous walk in closet. Three additional bedrooms provide flexibility for guests or hobbies. Enjoy outdoor living year round on the covered patio overlooking the landscaped backyard with sprinkler system. Stay warm in the winter with the gas furnace and cool in the summer with central AC. Centrally located just minutes from Bangor, PSNS, Silverdale shopping, schools, parks and Highway 3, this move-in ready home offers the ideal combination of modern finishes in an exceptional Central Kitsap location.

1098 NE Sockeye Court, Bremerton

Listing courtesy of Windermere RE West Sound Inc..

$680,000
4 Beds ⋅ 3 Baths ⋅ 2557179 MLS ⋅ ACTIVE Status
New Opportunity! This very clean 2,165 sq ft home sits on a rare .30-acre lot, offering more outdoor space than most homes in the area. The property includes a sloped section that transitions into a wide, usable flat area—ideal for gardening, play space, or creating your own outdoor retreat. Inside, the main floor features multiple living areas including a living room, dining room, kitchen, half bath, laundry, and a spacious family room designed for everyday comfort. Upstairs offers four bedrooms, including a primary suite with a generous walk-in closet and private bath, plus a second full bath conveniently located for the additional bedrooms. Located on a quiet cul-de-sac, this well-kept home provides a thoughtful, functional layout with plenty of room to spread out. The garage is wired for an electric vehicle charger, adding modern convenience to this move-in-ready property.

8400 Jeatran Place NW, Silverdale

Listing courtesy of Keller Williams West Sound.

$535,000
3 Beds ⋅ 3 Baths ⋅ 2538161 MLS ⋅ ACTIVE Status
Pristine 2023-built home in the highly desirable Central Kitsap School District. Offering 1,757 square feet of thoughtfully designed living space, this home features 3 spacious bedrooms, 2.5 bathrooms, and a versatile upstairs loft. The main floor boasts an open-concept layout that flows seamlessly from the living area to the beautiful kitchen with quartz counters, stainless steel appliances and island. Upstairs you’ll find the spacious primary bedroom with attached en-suite bath and walk-in closet. Plus 2 large bedrooms and full bathroom. Enjoy year-round comfort with the energy-efficient heat pump providing full central air conditioning. Complete with a 2-car attached garage, this property is nestled in a wonderful community that features maintained walking trails and a playground. Great location, just minutes to shopping, dining, schools and Navy Bases!

9516 Fairhaven Circle NE, Bremerton

Listing courtesy of Keller Williams Greater 360.

$649,000
5 Beds ⋅ 3 Baths ⋅ 2541646 MLS ⋅ ACTIVE Status
LAST CHANCE in SHADOWHAWK COMMUNITY — brand new 2026, never occupied, move-in ready. This 2,340 Sq Ft masterplan delivers it all: luxury quartz counters, full-height backsplash, LVP flooring throughout main level, and a large covered back patio perfect for year-round entertaining. Main level features a bedroom & ¾ bath, chef's kitchen with large island, stainless steel appliances (gas stove) & walk-in pantry, plus a great room with fireplace. Upstairs: spacious primary suite with ensuite & walk-in closet, 3 additional bedrooms, loft, and bonus room/pocket office. Built to the newest energy codes — heat pump HVAC, heat pump water heater & LED lighting. Central Kitsap SD #401. Minutes to military bases, shipyard, restaurants & BOTH Seattle Ferry options. Buyer's Bonus with Preferred Lender!

292 NE Shadowhawk Lane, Bremerton

Listing courtesy of Keller Williams Rlty Bellevue.

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