Centralia Homes with FHA Terms

Centralia Homes with FHA Terms

Welcome to Centralia, a charming city located in the state of Washington, USA. Known for its picturesque landscapes and friendly community, Centralia offers a wonderful place to call home.

Centralia is a city that truly has something for everyone. Whether you enjoy outdoor activities, cultural events, or a vibrant downtown scene, you'll find it all here. The city is surrounded by natural beauty, with nearby parks and forests perfect for hiking, biking, and exploring.

When it comes to finding a home in Centralia, you'll be pleased to know that there are options available with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible by offering low down payments and flexible credit requirements. This means that even if you're a first-time buyer or have less-than-perfect credit, you can still have the opportunity to own a home in Centralia.

With FHA terms, you can find a variety of homes in Centralia that meet your needs and budget. Whether you're looking for a cozy single-family home, a spacious townhouse, or a modern apartment, there are options available to suit your lifestyle.

Living in Centralia means enjoying the best of both worlds - the tranquility of a small town and the convenience of being close to larger cities like Seattle and Portland. With a thriving local economy, excellent schools, and a tight-knit community, Centralia is the perfect place to settle down and create lasting memories.

If you're interested in exploring the homes available with FHA terms in Centralia, now is the time to start your search. Contact a local real estate agent today to find your dream home in this beautiful city.

Newest Centralia Homes with FHA Terms

$240,000
2 Beds ⋅ 2 Baths ⋅ 2570569 MLS ⋅ ACTIVE Status
Welcome home to Golden Estates! This lovingly maintained **one-owner 2-bedroom + office/den** home is nestled in a beautifully maintained 55+ community and offers comfortable, low-maintenance living. The spacious kitchen provides plenty of room for a dining table and flows into a separate formal dining area, making it perfect for everyday living and entertaining. A sliding glass door leads to the side yard, creating easy indoor-outdoor access. The large living room offers ample space for gathering with friends, while two generously sized bedrooms and a versatile office or den provide flexibility for your lifestyle. An oversized one-car garage offers extra room for storage! Enjoy your morning coffee on the welcoming front porch or unwind in the private backyard. With its thoughtful layout, meticulous care, and warm, inviting feel, this home is ready for its next owner to move in and make it their own.

1918 Harrison Avenue Unit #25, Centralia

Listing courtesy of KW Lake Washington So.

$320,000
2 Beds ⋅ 1 Baths ⋅ 2563325 MLS ⋅ ACTIVE Status
Charming 1930 home full of character and thoughtful updates! A covered front patio welcomes you into this 1,176 sq ft home with 2 bedrooms and 1 full bath on large .2 acre sub-dividable lot. Spacious bedroom and 1 full bath on the main level and 2nd bedroom + loft area upstairs for guest or a hobby area upstairs. Spacious living room welcoming you with the newer cozy gas fireplace (keeps you warm even if the power goes out!) and a window AC for year-round comfort, perfect for relaxing or entertaining. Dining room off the kitchen to or use as a flex space. The updated kitchen shines with new countertops, all newer appliances including the chest freezer that stays and tons of cabinet space for all your needs. The utility room just off the kitchen offers a newer washer and dryer plus extra cabinetry for added storage and the gas tankless water heater and newer room (2019). Outside, enjoy a large fully fenced yard complete with an 18’ x 21’ carport, gazebo area out front and a separate fully fenced dog run out back—ideal for pets and outdoor living. This home blends classic charm with modern convenience and is ready to welcome its next owner.

1213 Rhobina Street, Centralia

Listing courtesy of RE/MAX Extra Inc..

$424,900
2562786 MLS ⋅ ACTIVE Status
Whether you're looking to invest or owner-occupy, this charming duplex is full of opportunity! Situated on a spacious corner lot in a highly desirable neighborhood, this well-maintained property offers a strong rental history and an ideal layout. Each unit features 2 generously sized bedrooms, 1 full bath, and comfortable living spaces designed for everyday living. Recent updates include a newer roof and plumbing, providing added peace of mind. A detached garage, ample off-street parking, and close proximity to schools, shopping, restaurants, and everyday amenities make this a standout investment. Live in one unit and rent the other, or add this turnkey duplex to your investment portfolio!

517 Center Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$399,000
3 Beds ⋅ 1 Baths ⋅ 2557217 MLS ⋅ ACTIVE Status
Completely reimagined and move-in ready! This beautifully renovated Edison District home seamlessly blends timeless charm with today's most desirable finishes. The stunning kitchen features stylish new cabinetry, beautiful sealed butcher block countertops finished with food-safe tung oil, a spacious walk-in pantry, and modern fixtures. Throughout the home, you'll find updated flooring, plush carpeting, fresh interior paint, and a beautifully remodeled bathroom featuring elegant tile finishes. A brand-new roof, refreshed landscaping, and beautiful mature shade trees framing the front entry enhance the home's curb appeal. Original character shines through with thoughtfully restored details, including the classic stair railing and trim, creating the perfect balance of historic charm and modern comfort. The versatile floor plan offers a spacious main-level bedroom, two additional bedrooms upstairs, generous living areas, and abundant storage. The mostly fenced backyard provides plenty of space for entertaining, gardening, pets, or play, with convenient rear access. Ideally situated on a level lot just minutes from downtown Centralia, schools, parks, shopping, and I-5, this turnkey home offers the perfect blend of comfort, style, and convenience. Simply move in and enjoy!

1024 H Street, Centralia

Listing courtesy of John L. Scott, Inc.

$810,000
3 Beds ⋅ 2 Baths ⋅ 2549558 MLS ⋅ ACTIVE Status
*What an Opportunity -- to have up to 3 living areas for multi-generational family or close friends as your neighbors. Two existing parcels totaling 2.33 acres. *Existing home on .83 acres: Quality 3 bedroom, 2 bath home in a rural setting on the north edge of Centralia. This 8-year old home shows excellent care and pride of ownership. Wood laminate flooring, solid countertops, stainless appliances, great-room, fireplace insert, central vacuum, and ductless heat/air. In addition, a 12' x 16' fully finished, insulated with half bath building (use for hobby, studio, office) is right beside the house. 24' x 42' shop / barn with lean-to suitable for horse or other animals. Also a 24' x 40' metal building with concrete floor and 4 roll-up doors for pull through convenience with RV hook-up beside building. Room for 10+ vehicles in the attached garage and 2 outbuildings. *Unfinished basement area: Partial basement area can be finished into small apartment or .... *Buildable 1.48 acre lot: Power and water is near corner of lot for easy development. Great place to build new home, tiny home, manufactured home -- or just hold for future development. *This property may have just the combination of buildings, quality, and easy development you have been looking for. Excellent price for all this has to offer.

3115 & 3119 Zenkner Valley Road SW, Centralia

Listing courtesy of CENTURY 21 Lund, Realtors.

$715,000
4 Beds ⋅ 3 Baths ⋅ 2554630 MLS ⋅ ACTIVE Status
Discover the perfect blend of space, comfort, and functionality at this beautiful 4-bedroom, 3-bathroom home offering over 3,000 square feet on more than 2+/- acres. A paved driveway welcomes you to this well-maintained property featuring a spacious primary suite with a private ensuite, French doors, and balcony overlooking the peaceful surroundings. Stay cozy year-round with both a woodstove and gas fireplace, while a whole-house generator and dual 200-amp electrical panels provide added convenience and peace of mind. Outside, you'll find an impressive three-bay shop with two 12-foot doors, including a pull-through RV bay, making it ideal for hobbies, storage, or projects. Raised garden beds, mature fruit trees, and plenty of open space complete this versatile property, offering room to relax, garden, and enjoy country living with modern amenities.

20808 O'Connor Road SE, Centralia

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

$1,075,000
3 Beds ⋅ 4 Baths ⋅ 2555366 MLS ⋅ ACTIVE Status
Enjoy peaceful rural Thurston County living with stunning Mount Rainier views! This beautifully updated home features a remodeled kitchen, luxurious primary bath, and modern finishes throughout. The gourmet kitchen offers a high-end gas cooktop, double wall ovens, quartz countertops, hardwood floors, and a large island with prep sink. The main-floor primary suite includes a walk-in closet, soaking tub, and walk-in shower. The daylight walkout basement features a wet bar, media room, recreation area, full bath, and potential ADU. Outside, enjoy a 30x50 shop, asphalt driveway, paver patio with fire pit, wraparound Trex deck, and generator-ready plug. This home is a must see!

402 Troy Drive SE, Centralia

Listing courtesy of RE/MAX Parkside Affiliates.

$450,000
5 Beds ⋅ 2 Baths ⋅ 2552532 MLS ⋅ ACTIVE Status
Welcome to 110 S Gold St, Centralia, WA— This well-maintained property features thoughtful updates completed by the current owners, including improvements to the plumbing, electrical systems, kitchen, bathrooms, and various fixtures throughout the home. These enhancements provide a solid foundation while preserving the character of the property. Inside, you'll find a functional floor plan with comfortable living spaces, an inviting atmosphere, and flexibility to accommodate a variety of lifestyles. The updated kitchen and bathrooms contribute to the home's move-in-ready appeal. Natural light fills the living areas, creating a bright and welcoming environment. Conveniently located near downtown Centralia, shopping, dining, parks, schools, and major commuting routes, this property offers easy access to everyday amenities while maintaining a residential setting.

110 S Gold Street, Centralia

Listing courtesy of eXp Realty.

$630,000
4 Beds ⋅ 2 Baths ⋅ 2553434 MLS ⋅ ACTIVE Status
Escape to your own private retreat on this beautiful 18-acre hobby farm, offering the seclusion and space you've been searching for. This 1,704 sq ft home features 4 bedrooms and 2 remodeled baths with tile floors and surrounds, plus new carpet upstairs and laminate flooring downstairs. Cozy up in the living room beside a wood-burning insert with brick surround, framed by exposed beams for warm, rustic character. Stay comfortable year-round with a heat pump and tankless water heater, and enjoy the ease of updated windows and light fixtures throughout. A handy wood storage area sits just off the front door. Outside, a paved driveway, an oversized detached 2-car garage and a large classic barn offer endless space for hobbies, storage, or animals. The majority of the 18 acres has been recently replanted with Douglas Fir — a great opportunity to grow your own timber investment while enjoying total privacy. Don't miss this rare blend of comfortable living and acreage lifestyle!

1790 Little Hanaford Road, Centralia

Listing courtesy of Realty One Group Bold.

$454,990
3 Beds ⋅ 3 Baths ⋅ 2552371 MLS ⋅ ACTIVE Status
The versatile Viola plan at Centralia Woods boasts an inviting open-concept layout on the main floor, with a large kitchen featuring a center island and spacious pantry overlooking a dining area and a great room. Upstairs, you’ll find a generous loft, flanked by two secondary bedrooms one with a walk-in closet as well as the spacious primary suite that boasts a spacious bathroom with a shower and a roomy walk-in closet. Buyer's Broker must accompany &/or register Buyer at 1st visit.

1424 Salzer Creek Loop, Centralia

Listing courtesy of BMC Realty Advisors Inc.

$434,990
3 Beds ⋅ 3 Baths ⋅ 2552419 MLS ⋅ ACTIVE Status
The Byron floor plan is 1,586 sq/ft 3bd/2.25ba home. This home features: quartz countertops in the kitchen & primary bathroom, deep stainless steel kitchen sink, LVP throughout main floor, 8' Ceilings, front yard landscaping, white cabinets w/hardware & soft close hinges, fireplace, microwave/hood, range/oven, dishwasher & garbage disposal. The Byron plan offers a beautifully designed open-concept layout that perfectly balances style, comfort, and functionality. The main floor centers around a spacious, modern kitchen featuring a large center island—ideal for casual dining, entertaining, or gathering with loved ones. From the kitchen, sightlines extend seamlessly into the inviting great room and dining area, creating a bright, connected space that feels both expansive and warm. Upstairs, a generous loft provides a versatile second living area—perfect for a media room, play space, or home office. You'll also find a conveniently located laundry room and three thoughtfully designed bedrooms. The impressive owner’s suite stands out with its expansive walk-in closet and a private ensuite bathroom, complete with double sinks and a well-appointed layout that adds a touch of everyday luxury. Buyer's Broker must accompany &/or register Buyer at 1st visit.

1354 Salzer Creek Loop, Centralia

Listing courtesy of BMC Realty Advisors Inc.

$299,000
2 Beds ⋅ 1 Baths ⋅ 2550223 MLS ⋅ ACTIVE Status
Welcome to this charming, move-in ready home in the heart of Centralia! This well maintained 2 bedroom, 1 bath home features an open concept floor plan with an updated kitchen, stainless steel appliances, and a spacious living area that's perfect for everyday living and entertaining. A large utility room and storage space beneath the home offers plenty of room for seasonal items and outdoor gear. Outside, enjoy a low maintenance yard and relax on the back deck overlooking a meandering creek. Conveniently located near Centralia College, shopping, dining, parks, and local amenities.

509 Yew Street, Centralia

Listing courtesy of Premiere Property Group, LLC.

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