Coupeville Homes with FHA Terms

Coupeville Homes with FHA Terms

Welcome to Coupeville, a charming neighborhood located in Island County, Washington, USA. Known for its picturesque beauty and small-town charm, Coupeville offers a delightful place to call home.

Situated on Whidbey Island, Coupeville is surrounded by stunning natural landscapes, including breathtaking views of the Puget Sound and the Olympic Mountains. This idyllic setting provides residents with ample opportunities for outdoor activities such as hiking, boating, and fishing.

In addition to its natural beauty, Coupeville boasts a rich history that is evident in its well-preserved historic downtown area. Stroll along the charming streets lined with Victorian-era buildings, boutique shops, and cozy cafes. The town is also home to a variety of art galleries, showcasing the work of local artists.

For those looking to buy a home in Coupeville, there are options available with FHA terms. FHA loans are backed by the Federal Housing Administration, making them an attractive option for first-time homebuyers or those with lower credit scores. These loans typically offer lower down payments and more flexible qualification requirements, making homeownership more accessible.

Whether you're drawn to Coupeville for its natural beauty, historical charm, or the availability of homes with FHA terms, this neighborhood offers a wonderful place to live. Embrace the tranquility of island living while enjoying the convenience of nearby amenities and easy access to the vibrant city of Seattle, just a short ferry ride away.

Newest Coupeville Homes with FHA Terms

$962,000
3 Beds ⋅ 3 Baths ⋅ 2570069 MLS ⋅ ACTIVE Status
Enchanting Lovejoy Victorian, nestled in a quiet & peaceful neighborhood just steps from downtown Coupeville. Situated across the street from a greenbelt and the comm. beach access, enjoy captivating views of Penn Cove,Mt Baker & the wharf. The home's historic character has been well preserved but with modern amenities. In the last 1-6 years the following updates/replacements have been completed: new roofs on main and outbuildings; sewer hookup to city sewer, electrical and plumbing; new kitchen and appliances, quartz counter and porcelain farmhouse sink; remodeled bathrooms; new hardwood flooring in kitchen and dining room, new carpeting in BR's; chimney repointed and new cap and wood stove liner & new wood stove. This home and property are ready to enjoy, boasting 9' ceilings, bright chef's kitchen w/ island offering counter seating plus loads of storage, a primary bedroom w/ 1/2 bath on the main floor with 2 additional BR's & a BA upstairs, and a beautiful staircase. BONUS: Finished spaces that are currently used as a workout studio & music room, AND a 16' x 24' shop w/ loft storage and a corner workbench! Rounding out this sweet package is a huge yard, with an additional fenced in English garden with patio, pergola, firepit, and auto irrigation system. Current owners have thought of everything, they even installed a water softener & 22w whole house generator w/owned propane tank! The stairs to the private community beach recently been updated w/railing & solar lighting.

1209 NE Leisure Street, Coupeville

Listing courtesy of Front Street Realty.

$649,999
3 Beds ⋅ 2 Baths ⋅ 2568081 MLS ⋅ ACTIVE Status
Tucked into a beautifully landscaped & private setting just minutes from historic downtown Coupeville, this charming 3-bedroom, 1.75-bath home offers a rare combination of island character, flexible space & exceptional gardens. Step inside from the covered front porch to a welcoming, fireplace-warmed living room & light-filled kitchen with granite countertops, stainless steel appliances & garden window overlooking the lush surroundings. The adjoining dining area opens directly to a spacious covered deck, creating an easy flow for indoor-outdoor living & entertaining. Convenient utility room with washer/dryer also provides direct deck access. Peaceful primary suite features an ensuite bath & walk-in closet, while two addtl bedrooms & full bath offer comfortable space for guests or office. Outside is where this property truly shines. Curving flagstone & gravel paths meander through established gardens filled with ferns, ornamental grasses, flowering perennials & variety of mature shade trees. A garden pergola, secluded fenced lawn & tranquil pond with a natural rock waterfall creates a setting that feels like a private retreat. Two detached structures add remarkable versatility. Charming studio cottage, finished to complement the main home's shingle siding, offers possibilities for guest accommodations, a creative retreat, home office or potential income use. The detached two-car garage includes a finished workshop area ideal for hobbies, art studio, home business or storage.

1607 NE Parker Road, Coupeville

Listing courtesy of Windermere RE Anacortes Prop..

$775,000
3 Beds ⋅ 3 Baths ⋅ 2564824 MLS ⋅ ACTIVE Status
Custom built with a water view & the upgrades chosen, not defaulted. The kitchen opens to the great room — one space, no walls between the cook & the conversation. A five-burner range & double oven anchor granite counters, custom cabinetry & stainless throughout, built for the year the holidays land at your house. Wood floors run beneath vaulted ceilings, warmed by a propane fireplace. Six skylights & three solar tubes pull daylight down from above, so the house stays bright long after the clouds roll in. Three spacious bedrooms & three full baths, all on one level — no steps anywhere, wide hallways throughout, a floor plan that works now & keeps working. Tankless hot water, utility room with new washer & dryer. Out back, a 12x26 concrete patio holds the whole crowd, water in the distance. Neighborhood amenities include a clubhouse & seasonal pool nearby. Home...built once, built right...

645 Monterey Avenue, Coupeville

Listing courtesy of Windermere Whidbey Island.

$440,000
2 Beds ⋅ 2 Baths ⋅ 2564449 MLS ⋅ ACTIVE Status
Enjoy expansive island living on over half an acre of land in this beautifully updated Coupeville manufactured home. With 2 bedrooms, a bonus room and 2 bathrooms, it offers 1,732 square feet of tastefully renovated living space. The efficient layout features a beautifully updated kitchen with tile floors, black stainless steel appliances and a large single sink. The primary suite serves as a tranquil escape with an upgraded five-piece bath and soaking tub. A flexible bonus room provides a perfect spot for a home office. Nestled in the Crockett Lake neighborhood, this property blends a private retreat with space for your favorite hobbies. The level, sunny, and fully fenced 0.56-acre lot offers ample room for gardening, playing, pets, or projects, complete with a storage shed and a covered parking space. The home sits under 10 minutes from Coupeville, Driftwood Park, Rhododendron Park, Fort Casey, and the ferry landing, and 26 minutes from Oak Harbor and NASWI. The low interest VA loan is assumable. Make this gem of a property the start of your Whidbey Island adventure!

803 Hazzle Court, Coupeville

Listing courtesy of Coldwell Banker 360 Team.

$419,000
2 Beds ⋅ 2 Baths ⋅ 2563103 MLS ⋅ ACTIVE Status
Opportunity awaits in the desirable Rolling Hills community! This 2-bedroom, 2-bath home with a versatile bonus room sits on nearly half an acre and features a functional floor plan, a spacious fenced backyard, and endless potential to make it your own. This Home offers an excellent opportunity to build equity in a fantastic location. A standout feature is the existing FHA loan with a highly attractive 2.875% interest rate, which may be assumable by a qualified buyer—an exceptional opportunity in today’s market. Enjoy community amenities including a pool, clubhouse, private beach access, and boat launch, all conveniently located just minutes from NAS Whidbey, Oak Harbor, and Coupeville. Bring your vision and discover everything this property has to offer! FHA loan assumption is subject to lender approval, buyer qualification, and applicable terms and conditions.

1060 Sidney Street, Oak Harbor

Listing courtesy of Keller Williams Western Realty.

$502,549
2 Beds ⋅ 1 Baths ⋅ 2562097 MLS ⋅ ACTIVE Status
Imagine a life where time slows down, greeted each day by the refreshing breeze of the Pacific Northwest. Nestled in the coveted Coupeville Rain Shadow, this charming 2-bedroom, 1-bath home captures breathtaking views across Crockett Lake Wildlife Preserve, the Olympic Mountains, the Keystone Ferry, and the busy shipping channels beyond. A paradise for bird watchers and nature lovers, enjoy front-row views of soaring eagles, migrating waterfowl, and unforgettable Whidbey Island sunsets from the comfort of home or the inviting aggregate courtyard. Situated on a sunny, open parcel, the property offers endless opportunities to create gardens, orchards, or simply enjoy the region's exceptional microclimate. The spacious detached shop/garage provides abundant room for hobbies, projects, tools, boats, RVs, or additional storage. Garage roof is 5 years old. Exterior paint is 2 years old. Perfect as a full-time residence, weekend retreat, or investment opportunity with short-term rental potential, this property places you just minutes from the Keystone boat launch, world-class fishing, crabbing, kayaking, and only a couple of miles from Fort Casey State Park, scenic beaches, and miles of hiking trails. Experience the best of Whidbey Island living with stunning natural beauty, endless recreation, and peaceful coastal charm. Schedule your private tour today and discover a lifestyle unlike any other.

895 Prairie View Avenue, Coupeville

Listing courtesy of Redfin.

$499,500
3 Beds ⋅ 2 Baths ⋅ 2554538 MLS ⋅ ACTIVE Status
Thoughtfully updated and move-in ready, this inviting single-level home offers the perfect blend of comfort, style, and convenience. The bright open-concept floor plan features a spacious living room with a cozy gas stove, dining area, and an inviting galley kitchen with updated countertops and appliances. Recent improvements include brand-new Sherwin-Williams interior paint, new flooring, new baseboards, updated countertops, and energy-efficient mini-split heat pumps providing both heating and air conditioning in the living area and two bedrooms. The generous primary suite offers a private ¾ bath, while two additional bedrooms and a full guest bath provide flexibility for guests, a home office, or everyday living. Outside, enjoy the new and fully fenced backyard with plenty of room to entertain, garden, or play, along with the convenience of an attached two-car garage. Ideally situated between historic Coupeville and Oak Harbor with easy access to NAS Whidbey, Fort Ebey State Park, the Kettles Trail System, shopping, and everyday amenities. Sierra Country Club residents enjoy a clubhouse, swimming pool, playground, and private community beach. A wonderful opportunity to enjoy the very best of Whidbey Island living.

2550 San Juan Street, Coupeville

Listing courtesy of Redfin.

$479,000
3 Beds ⋅ 3 Baths ⋅ 2555349 MLS ⋅ ACTIVE Status
Meticulously maintained, move-in ready, this 3 bedroom, 2.5 bath, 1606 sf condo built in 2020 is a must see! Enjoy the best of both worlds in this bright and sunny contemporary condo in the heart of the charming seaside town of Coupeville. Open concept spaces feature all of today’s modern conveniences including climate-controlled AC/heat, gas stove and fireplace, sleek stainless-steel appliances and quartz countertops. Upstairs you will find 2 bedrooms, a full bath plus a spacious Primary Bedroom Suite with full bath featuring a luxurious soaking tub. Set in a friendly, neighborhood setting with a small-town feel with shops, eateries, grocery, schools and more, all within a short distance, and surrounded by the breathtaking beauty of Ebey’s Landing Historical Reserve offering easy access to protected forests, beaches, and nature trails galore! This contemporary home is easy living at its best. HOA covers water/sewage/trash, exterior structural coverage, landscaping, road maintenance, and common grounds maintenance. Come take a look!

306 S Main Street Unit #B3, Coupeville

Listing courtesy of Whidbey View Homes.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2552572 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. The garage is wired with both 110V and 220V outlets and has lighting, power, and a French cleat wall system already in place for a workshop, with the 220V service ideal for equipment such as welders, high-capacity air compressors, and other high-power shop tools. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2549018 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$638,000
1 Beds ⋅ 1 Baths ⋅ 2534813 MLS ⋅ ACTIVE Status
Welcome to your own cottage in the forest—a peaceful retreat where nature, privacy, and possibility come together. Set on 5 gated acres within a spacious, sunny clearing surrounded by towering evergreens, this thoughtfully maintained property offers access to Fort Ebey State Park and The Kettles Trail system right from your backyard. Enjoy morning coffee on the deck while deer, eagles, owls, rabbits, and other native wildlife make regular appearances, offering the kind of everyday connection to nature that's becoming increasingly rare. Inside, the inviting 1-bedroom, 1-bath home offers a bright, flexible layout with the primary bedroom, bath, sunroom/office, and comfortable living and dining spaces all on the main level, while a cozy sleeping loft is tucked above it all. Looking ahead? Build your dream home while retaining the existing cottage as a guest house or expand the current home to fit your vision. Designed for comfort and lasting peace of mind, the home includes: Hardie Plank siding, a metal roof, wired for a generator, composite decking, a ductless mini-split for energy-efficient heating and cooling, LeafGuard gutters, oversized 1-car garage, private well with cistern, fenced yard area, ample RV parking, and an exceptionally maintained crawl space, each reflecting the care and stewardship invested throughout the property. Located minutes from Ebey's Landing, and downtown Coupeville, this unique property offers both immediate enjoyment and long-term flexibility.

2161 Winterhawk Lane, Coupeville

Listing courtesy of Windermere Whidbey Island.

$479,000
3 Beds ⋅ 1 Baths ⋅ 2538539 MLS ⋅ ACTIVE Status
In the heart of Coupeville, this soulful one-level rambler offers the kind of Whidbey setting that feels both peaceful and deeply connected. Set on a generous .54-acre corner lot, the home looks out across open farm fields toward the historic Crockett Barn, with a fenced yard, fruit trees, garden space, hops, mature landscaping, and a backdrop that changes beautifully with the seasons. Inside, thoughtful owner updates have created a warm, modernized home with wide-plank pine floors, an inviting wood fireplace, a remodeled bathroom, and kitchen that now opens up to the living and dining area for comfortable daily life. The converted garage expands the home’s flexibility, offering a spacious primary bedroom and laundry/garage space. This allows the other 3 rooms to mix and match bedrooms, office, craft space, or whatever island life calls for. A newer deck invites easy outdoor living, sunset watching, and quiet mornings with birdsong. Close to beaches, Coupeville’s historic waterfront, Fort Casey, the Port Townsend ferry, and Crockett Lake Wildlife Refuge, this is a sweet, practical, and quietly magical place to land.

975 Ferry Avenue, Coupeville

Listing courtesy of Windermere Whidbey Island.

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