Central Whidbey Homes with FHA Terms

Central Whidbey Homes with FHA Terms

Welcome to Central Whidbey, a charming neighborhood located in the heart of Whidbey Island, Washington. This picturesque region is known for its stunning natural beauty, friendly community, and rich history. With easy access to outdoor activities such as hiking, biking, and beachcombing, Central Whidbey offers a relaxed and laid-back lifestyle for residents to enjoy.

In Central Whidbey, you will find a variety of homes available with FHA terms, making it easier for buyers to secure financing for their dream home. Whether you are looking for a cozy cottage, a waterfront property, or a spacious family home, Central Whidbey has something to offer for every taste and budget.

Living in Central Whidbey provides the perfect blend of small-town charm and modern conveniences. Residents can explore local shops, restaurants, and art galleries in the nearby town centers, or simply relax and take in the stunning views of the Puget Sound and Cascade Mountains.

If you are looking for a place to call home that offers natural beauty, a strong sense of community, and convenient FHA financing options, look no further than Central Whidbey. Come and discover all that this unique neighborhood has to offer!

Newest Central Whidbey Homes with FHA Terms

$1,650,000
5 Beds ⋅ 6 Baths ⋅ 2554926 MLS ⋅ ACTIVE Status
Rare and extraordinary multigenerational compound on 11+ acres in the heart of Central Whidbey Island — where two beautifully appointed residences, endless outdoor amenities, and a lifetime of possibilities come together in one truly remarkable package. Two completely separate residences, each with their own private entrance, are thoughtfully connected by an enchanting enclosed garden and gazebo area complete with an outdoor kitchen — the perfect setting for al fresco entertaining and the ideal balance of togetherness & independence. The newly updated 1958 home honors its character with modern comfort, while the stunning 2022 residence showcases live edge Douglas Fir finishes and exterior wood milled directly from the property itself — a level of craftsmanship and authenticity that simply cannot be replicated. Above the barn, a light-filled artist studio, a fenced garden, chicken coop, fruit trees, & a versatile barn with endless possibilities complete a property that feels like its own private world. Partial water views & over 11 acres of lush land deliver the space, privacy, & freedom that define Whidbey Island living at its finest. Whether you envision a multigenerational retreat, working hobby farm, artist's haven, or a private sanctuary — this home delivers on every front. Includes 2 buildable lots in the Crockett Lake community. Gems like this simply do not come around often. Also see listing #2554897 which does NOT include the 2 additional building lots.

550 Wanamaker, Coupeville

Listing courtesy of Windermere Whidbey Island.

$1,495,000
5 Beds ⋅ 6 Baths ⋅ 2554897 MLS ⋅ ACTIVE Status
Rare and extraordinary multigenerational compound on 10+ acres in the heart of Central Whidbey Island — where two beautifully appointed residences, endless outdoor amenities, and a lifetime of possibilities come together in one truly remarkable package. Two completely separate residences, each with their own private entrance, are thoughtfully connected by an enchanting enclosed garden and gazebo area complete with an outdoor kitchen — the perfect setting for al fresco entertaining. The newly updated 1958 home honors its character with modern comfort, while the stunning 2022 residence showcases quartz counters, Sub Zero refrigerator, walk-in pantry, live edge Douglas Fir finishes & exterior wood milled directly from the property itself, a level of craftsmanship & authenticity that simply cannot be replicated. Above the barn, a light-filled artist studio provides an inspiring creative retreat. Outside, a fenced garden, chicken coop, Apple, pear, plum, cherry trees, and a versatile barn with endless possibilities complete a property that feels like its own private world. Partial water views and over 10 acres of lush land deliver the space, privacy, & freedom that define Whidbey Island living at its finest. Whether you envision a multigenerational retreat, working hobby farm, artist's haven, or a deeply private sanctuary — this home delivers on every front. Gems like this simply do not come around often. See MLS #2554926, includes 2 building lots in the Crockett lake Community.

550 Wanamaker, Coupeville

Listing courtesy of Windermere Whidbey Island.

$799,900
3 Beds ⋅ 3 Baths ⋅ 2521726 MLS ⋅ ACTIVE Status
Experience single-level living at its finest in this spacious 2,500+ sq ft home, perfectly positioned on a beautifully landscaped 1.4-acre lot with views of Saratoga Passage. Thoughtfully designed for comfort and functionality, you will find generous living spaces, oversized kitchen with huge walk-in pantry, oversized primary suite with deck access, abundant natural light, and seamless indoor-outdoor flow for an inviting atmosphere for everyday living and entertaining. This property features an attached two-car garage plus an impressive 1,200+ sq ft detached garage/shop complete with three bays, 12-ft doors, toilet and deep sink — ideal for RVs, boats, hobbyists, or serious workshop needs. The expansive lot offers privacy, room to roam, and endless possibilities for gardens, recreation, or future enhancements. Whether you're seeking space, storage, or serene Northwest views, this exceptional property delivers a rare combination of convenience, versatility, and coastal charm.

152 E Morris Road, Coupeville

Listing courtesy of Windermere Whidbey Island.

$749,917
3 Beds ⋅ 3 Baths ⋅ 2501263 MLS ⋅ ACTIVE Status
Exquisite Whidbey Island residence with captivating western views of Puget Sound and the Strait of Juan de Fuca. Soaring cathedral ceilings, skylights that illuminate the rich hardwood floors and define the bright, open interior. The updated gourmet kitchen with premium finishes creates a sophisticated setting for entertaining or everyday enjoyment that flows into a sun-drenched dining area and deck—perfect for enjoying dramatic sunsets. Nearly 2,000 sq ft of refined living space includes beautifully tiled baths and a lower-level family room with French doors opening to an ideal office or guest suite. Landscaped, fully fenced yard with gardens, under-deck storage, and direct access to Fort Ebey trails and the private community beach. Oversized two-car garage, forced-air heating, and immaculate turn key condition ready to be yours! Just minutes to Coupeville’s waterfront dining, historic shops, and NAS Whidbey—luxury coastal living at its finest!!

561 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

Start Your Search
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.