City Of Oak Harbor Homes with FHA Terms

City Of Oak Harbor Homes with FHA Terms

Welcome to the charming City of Oak Harbor, located in the beautiful state of Washington, US. This cozy city, situated in Island County, offers a serene and picturesque setting for those looking to settle down in a peaceful and welcoming community.

Oak Harbor is known for its friendly atmosphere, stunning natural landscapes, and a strong sense of community. Residents here enjoy the best of both worlds - a tranquil environment surrounded by nature, while still having convenient access to urban amenities.

If you are considering purchasing a home in Oak Harbor, you'll be delighted to know that there are plenty of options available with FHA terms. This means that you can fulfill your dream of homeownership more easily with flexible financing options that are designed to help make buying a home more affordable.

Whether you are looking for a cozy cottage, a spacious family home, or a modern apartment, Oak Harbor has a variety of housing options to suit your needs and preferences. With FHA terms available, you can take the next step towards owning your dream home in this lovely city.

Come and explore all that Oak Harbor has to offer - from its vibrant community events to its stunning outdoor recreation opportunities, there is something here for everyone. Don't miss out on the chance to call Oak Harbor your home sweet home!

Newest City Of Oak Harbor Homes with FHA Terms

$695,000
4 Beds ⋅ 3 Baths ⋅ 2575577 MLS ⋅ ACTIVE Status
Striking Colonial curb appeal & southern exposure give this home a pleasing presence from the street—and it's every bit as polished within. Offering 3,072 sq ft, 4 bedrooms & 2.5 baths, the interior pairs soaring ceilings and custom millwork with easy-care plank flooring—balancing aesthetic & quality. Separate living & family rooms provide flexibility, while the spacious kitchen offers premium stainless appliances, solid-wood cabinetry & ample prep space. More? Efficient vinyl windows throughout, a versatile utility room & oversized 2-car garage provide abundant storage, plus space for projects & gear. Outside--enjoy the benefit of having a NEW roof, fully fenced backyard, low-maintenance synthetic deck & patio—preparing for shorter days, crisp mornings & everything the season brings. When you add in the ¼-acre corner lot in a premier in-town location close to schools, shopping & NAS Whidbey? There's no place like THIS home.

1270 SW 4th Avenue, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$589,000
3 Beds ⋅ 3 Baths ⋅ 2571758 MLS ⋅ ACTIVE Status
Welcome to Crosby Commons and the relaxed lifestyle of Whidbey Island. Offering 3 bedrooms, 2.5 baths, and 1,940 sq. ft. This thoughtfully designed home features a sought-after main-floor primary suite with a walk-in closet and private bath. The bright, open living area is centered around a cozy gas fireplace. Step outside to the deck and terraced garden, with plenty of room to relax, entertain, or create your own outdoor retreat. Newer LVP flooring adds style and easy maintenance to the main level. Upstairs, two additional bedrooms and a full bath provide flexible space for guests, hobbies, or a home office. The garage offers a workbench and plenty of storage, with a garden shed providing additional space for tools and outdoor gear. Beyond the front door, enjoy everything that makes Oak Harbor and Whidbey Island special—waterfront parks, beaches, boating, hiking, local restaurants, community events, and incredible Pacific Northwest scenery. Conveniently located near downtown Oak Harbor and NAS Whidbey Island, with Deception Pass and endless island adventures just a short drive away.

961 NW Longview Drive, Oak Harbor

Listing courtesy of Goldhouse Realty.

$695,000
4 Beds ⋅ 3 Baths ⋅ 2571043 MLS ⋅ ACTIVE Status
More space. More privacy. More room to feel at home. With four large bedrooms and multiple living areas, this Fairway Point home offers the separation and flexibility that can be hard to find. Built in 2015, the home backs to acreage for an added sense of privacy while remaining close to everything Oak Harbor has to offer. Downstairs, the open-concept kitchen and family room create a natural gathering place, while the upstairs bonus room gives movie nights, games, work, or quiet time a space of their own. At the heart of the home, the kitchen features a generous island, granite countertops, stainless appliances all updated since 2024, and plenty of room to cook, entertain, and connect. Brand-new flooring and carpet throughout both levels add a fresh, move-in-ready feel. The finished 3-car garage provides flexibility for vehicles, storage, a home gym, or workshop. Outside, enjoy a fenced backyard, covered front and back porches, and easy-care landscaping. The home sits in the Hillcrest elementary attendance area while Fort Nugent Park—with athletic fields, a playground, trails, and disc golf—is just a short walk away. Spacious, comfortable, and easy to maintain, this home combines the benefits of an open floor plan with something increasingly hard to find: plenty of room for everyone to have a space of their own.

1873 SW Downfield Way, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2570544 MLS ⋅ ACTIVE Status
This move in ready three bedroom rambler sparkles from top to bottom in the heart of town. Step inside to discover fresh interior paint, updated LVP flooring, and crisp trim throughout the inviting living spaces. The bright kitchen features beautiful oak cabinetry alongside updated lighting fixtures, making it a warm center for everyday living. Comfort and practical upgrades continue throughout, including a new ceiling fan in the main bedroom, privacy screen doors, and a newly installed water heater for worry free living. A standout highlight of this property is the versatile flex room, which boasts a private outside entrance and rare Zoned Residential Office status. Whether you choose to utilize this adaptable space as a dedicated home business, a remote work setup, a creative studio, or an extra bedroom, the functional design easily adjusts to your lifestyle. Step outside to relax or entertain on the wonderful back deck, perfectly set within a fully fenced yard that provides exceptional privacy, security, and space to enjoy. Situated just minutes from local schools, shopping, services, and NAS Whidbey, this exceptional property combines everyday convenience with incredible potential. Do not miss this rare opportunity to own a beautifully updated home in a central Oak Harbor location.

49 SW 8th Avenue, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$430,000
3 Beds ⋅ 1 Baths ⋅ 2569207 MLS ⋅ ACTIVE Status
Charming, updated, and ready to welcome you home! This adorable Oak Harbor rambler blends timeless character with fresh updates and easy one-level living. Step inside to a bright, freshly painted interior with brand-new carpet, a beautifully updated bathroom, and a kitchen with thoughtful updates while still leaving room to make it your own. Three bedrooms with great windows offer plenty of natural light, while the bonus room gives you that extra space everyone loves. Outside, enjoy a fully fenced yard complete with a covered patio, dog run, and large shed/workshop ready for hobbies, projects, or extra storage. A durable metal roof adds peace of mind, too! Conveniently located near both Navy bases, the library, restaurants, beaches, parks, and everyday amenities. Whether you're buying your first home, looking for easy one-level living, or ready to downsize without giving up the yard and extra space, this sweet Oak Harbor home has so much to love!

49 SE Pasek Street, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$615,000
4 Beds ⋅ 3 Baths ⋅ 2564805 MLS ⋅ ACTIVE Status
Wide paved streets, the safety of sidewalks & a welcoming bustle that resounds through one of the area's most desirable neighborhoods. Set on an over-sized lot & within easy reach of schools, parks & everyday conveniences, beauty & function work in perfect balance. 2,212 asf unfold over two stories: 4 bedrooms, 2 separate living areas & 2 bonus rooms—one up, one down—shaping your space around how you actually live. The open kitchen has ample storage, polished quartz counters, SS appliances & a breakfast bar. Since 2020, the big-ticket items have been handled: Hardi-plank siding, 30-year composition roof & a heat pump regulating your comfort in every season. More? CoreLuxe vinyl plank floors & quality carpet throughout—wow! Natural gas features & vinyl windows keep it efficient, & the 3-car garage keeps it uncluttered. Outside? A fully fenced & level yard—room to garden, room to run & room to gather—feet up, wind down, year round. Well-loved, better-kept...

1836 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$518,785
3 Beds ⋅ 2 Baths ⋅ 2568008 MLS ⋅ ACTIVE Status
Discover effortless single-level living in this extensively updated, move-in-ready home designed for comfort and enjoyment. The spacious, open layout offers 3 bedrooms and 1¾ baths, with thoughtful upgrades throughout. At the heart of the home is a stunning, oversized kitchen featuring new cabinetry, stainless-steel appliances, and elegant solid-surface countertops with a complementary backsplash. Additional improvements include newer windows and roof, a ductless heat pump for year-round comfort, and durable luxury vinyl plank flooring throughout. Outside, the beautifully landscaped and fully fenced backyard provides a private retreat with lush gardens, a welcoming fire-pit area, and abundant raspberries, grapes, and seasonal plantings—without the maintenance of a traditional lawn. A large Tuff Shed, along with an additional covered storage area, offers exceptional room for tools, hobbies, recreational gear, plus RV and boat storage. Large freshly painted 2 car garage with opener/keypad makes coming home a breeze! Conveniently located in town near everyday services and NAS Whidbey Island, this exceptional property is beautifully prepared for relaxed indoor-outdoor living and ready to welcome its next owner.

1961 NE 9th Avenue, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$539,000
3 Beds ⋅ 2 Baths ⋅ 2569399 MLS ⋅ ACTIVE Status
This refreshed single-level Oak Harbor home delivers the kind of updates buyers hope to find already done. Set on a spacious lot in a convenient established neighborhood, the home features new flooring, fresh interior paint, a new roof, new gutters, a new deck, plumbing updates, and a 2024 water heater. The layout is comfortable and practical, with inviting main living areas, well-sized bedrooms, and a cozy pellet stove that adds warmth and character. Outside, enjoy a generous backyard with existing fencing, fresh deck space, and room to relax, entertain, garden, or play. With major improvements complete and a clean, updated feel throughout, this home offers everyday comfort, peace of mind, and an easy path to making it your own. Estate sale, sold as-is.

1206 Independence Court, Oak Harbor

Listing courtesy of ReLuTy Corp.

$450,000
3 Beds ⋅ 1 Baths ⋅ 2569313 MLS ⋅ ACTIVE Status
Welcome home to this charming 3-bedroom rambler-an ideal starter home in central Oak Harbor location! Enjoy the convenience of having a park right across the street, with schools, shopping, and downtown Oak Harbor just minutes away. This beautifully updated one-story home offers a spacious living room anchored by a cozy gas fireplace, creating the perfect space to relax or gather with friends. The updated kitchen features rich cabinetry, updated countertops, sink & stainless steel appliances, combining style and functionality. Major updates provide added peace of mind, including roof, siding ,windows, water heater, electrical, and plumbing fixtures- all installed in 2018. Step outside to a huge, fully fenced backyard with plenty of room for gardening, entertaining, pets or play. This move-in ready home offers comfort, value, and an unbeatable location. Don't miss your opportunity to make it your new home!

863 SE 6TH Avenue, Oak Harbor

Listing courtesy of John L. Scott Anacortes.

$659,000
4 Beds ⋅ 3 Baths ⋅ 2566731 MLS ⋅ ACTIVE Status
Rare find in Marin Woods: a 2023 Huseby Homes build that lives like new construction without the new-construction wait. The one owner has never used the primary suite — the fridge still smells brand new. Four bedrooms + large den, two and a half baths, 2,359 square feet of open-plan living with a stacked-stone fireplace anchoring the great room. The kitchen carries every upgrade: quartz waterfall island, arabesque backsplash, full-height cabinetry, stainless appliances, and the Electrolux washer and dryer stay. Primary suite adds a tray ceiling, dual vanities, and a freestanding soaking tub with separate tile shower. Fully fenced backyard, mature landscaping in place — no dirt lot to plant. Heat pump with A/C, city sewer, no septic. Furniture negotiable. Sold by the Personal Representative under nonintervention powers; Form 17 exempt. VA-eligible with clean condition and no expected repair conditions. Ten minutes to Ault Field, five minutes to downtown Oak Harbor.

2209 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Real Estate/East.

$550,000
4 Beds ⋅ 3 Baths ⋅ 2566111 MLS ⋅ ACTIVE Status
Set in the established Highlands West neighborhood, this spacious Oak Harbor home offers room to settle in, spread out, and enjoy everyday life with ease. A light-filled entry with soaring ceilings opens to formal living and dining spaces, where wainscoting and crown molding add a polished touch. At the heart of the home, the generous kitchen features a large granite-topped island, abundant cabinetry, and an easy connection to the family room and its cozy gas fireplace. The expansive primary suite includes a walk-in closet and private full bath, while the laundry and mudroom provide practical storage for busy days. Outside, the fully fenced backyard is ready for relaxing, gardening, or gathering, complete with a deck, storage shed and a dedicated concrete RV parking pad which adds even more flexibility. With multiple schools and conveniences nearby, this location keeps daily routines comfortably close to home.

594 SW Regency Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$510,000
3 Beds ⋅ 2 Baths ⋅ 2563231 MLS ⋅ ACTIVE Status
Discover easy single-level living in Cherry Hill, one of Oak Harbor’s most welcoming and established neighborhoods. This comfortable 1-story home offers 3 bedrooms and 1.75 baths, all enhanced by stylish, low-maintenance LVP flooring throughout. The open kitchen features a generous island that’s perfect for cooking, gathering, or entertaining, while Hardi-plank siding adds long-lasting durability and curb appeal. Situated on a corner lot, the home provides extra space and a fully fenced backyard with an apple tree, ideal for pets, play, gardening, or quiet outdoor evenings. A deck off the dining room creates a natural extension of your living space for weekend barbecues or morning coffee. Hallway has built-in secretary desk. Enjoy efficient comfort with a natural-gas water heater and forced-air furnace, plus the convenience of a finished 2-car garage for storage and projects. Cherry Hill includes a small park and playground, making it a friendly spot for all ages. Minutes from NAS Whidbey Island, downtown shopping, restaurants, and everyday essentials, this home sits inside the Olympic Rain Shadow for more sunny days and a brighter lifestyle. Whether you’re starting out, settling in, or simplifying life, this home offers a blend of comfort, location, and community that’s hard to beat.

1667 NW Almond Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

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