Hat Island Homes with FHA Terms

Hat Island Homes with FHA Terms

Located in Snohomish County, Washington, Hat Island is a charming neighborhood that offers a tranquil and idyllic setting for homeowners. Situated in the city of Hat Island, this community boasts a unique island lifestyle with breathtaking views and a close-knit community atmosphere.

Hat Island is a hidden gem that provides residents with a peaceful retreat away from the hustle and bustle of city life. Surrounded by the stunning waters of Possession Sound, this island neighborhood offers residents the opportunity to enjoy a variety of water activities such as boating, fishing, and kayaking.

One of the advantages of living in Hat Island is the availability of homes with FHA terms. The Federal Housing Administration (FHA) provides loans that are insured by the government, making homeownership more accessible to a wider range of individuals. With FHA terms, potential homebuyers can benefit from lower down payments and more flexible credit requirements, making it easier to purchase a home in this desirable neighborhood.

Whether you're looking for a permanent residence or a vacation home, Hat Island offers a range of housing options to suit different preferences and budgets. From cozy cottages to spacious waterfront estates, there is a home for everyone in this picturesque neighborhood.

If you're seeking a peaceful and close-knit community with stunning natural beauty, Hat Island is the perfect place to call home. Embrace the island lifestyle and enjoy all that this unique neighborhood has to offer.

Newest Hat Island Homes with FHA Terms

$30,000
2574240 MLS ⋅ ACTIVE Status
Escape to your own slice of paradise on this stunning ten thousand four hundred fifty four square foot vacant lot, tucked away on a private island just fifteen minutes west of the Port of Everett. This flat, level, and partially cleared parcel is ready for you to build the forever home you have always dreamed of. A shipping container already sits on site for storage or a workshop start. Surrounded by large trees, blessed with east facing sun exposure, and featuring a peaceful pond, this property offers the kind of natural beauty that is hard to find anywhere else. Living here means immersing yourself in extraordinary wildlife, with eagles, herons, ospreys, and owls soaring overhead, and seals and whales making their way through the surrounding saltwater. Spend your days fishing, crabbing, clamming, and beachcombing right in your own backyard. The island community feel is unmatched, with beach fires, a private marina, yacht club events, golfing, tennis, and disc golf all just steps away. This is more than a lot, it is an invitation to a lifestyle. Come build your dream home surrounded by nature, community, and endless adventure.

13 Beach Way, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$707,000
2 Beds ⋅ 2 Baths ⋅ 2574813 MLS ⋅ ACTIVE Status
Escape to an extraordinary Puget Sound beachfront retreat on private Hat Island. Accessible by Hat Island’s private passenger ferry from Everett Marina or by private boat, this unique island community offers a true escape just off the mainland. Occupying a generous lot-and-a-half waterfront setting, this south-facing home is filled with natural light and showcases unobstructed views of Puget Sound, passing ferries, the Cascades and Mt. Rainier. Open-concept living keeps the views front and center, while the updated kitchen features new cabinetry, new SS appliances and a large pantry. The main-floor primary suite enjoys beautiful water and mountain views along with a private ensuite bath, while, a generously sized 2nd room adds flexibility. Upstairs, an impressive loft wrapped in large windows captures even more views from a higher perspective & offers space for work or hosting guests. The expansive waterfront deck is an entertainer's dream with direct access to the beach for crabbing, shrimping and clamming, with your own boat ramp. A substantial, fortified bulkhead provides exceptional shoreline protection and represents a significant investment in the property’s waterfront infrastructure. A rare 2-car garage offers valuable space for vehicles and island gear. Enjoy Hat Island’s private marina, 9-hole USGA golf course, pickleball, tennis, disc golf, beach concerts, & yacht club gatherings. More than a waterfront home, this is a truly distinctive Puget Sound island lifestyle.

14 S Beach Drive Unit #H, Everett

Listing courtesy of John L Scott Madrona Group.

$79,500
2569908 MLS ⋅ ACTIVE Status
Private Hat Island Retreat — Build Your Puget Sound Escape Discover a rare opportunity to own land on Hat Island, a private 440-acre island tucked in the Puget Sound between Whidbey Island and Everett. This 9,583 SF / 0.22 AC lot comes with an existing 340 SF garage, offering a head start on your island getaway. Take in sweeping views of the Puget Sound, Mount Baker, Mount Rainier, the Cascades, and the Olympics — with private beach access just steps away. Watch for gray whales, orcas, seals, herons, eagles, osprey, and owls, and enjoy front-row seats to some of the most spectacular sunrises and sunsets in the Pacific Northwest. Hat Island is a true community, not just a location. Residents enjoy a 9-hole USGA golf course, tennis and pickleball courts, disc golf, volleyball, walking trails, a marina and boat launch, a community garden, and playgrounds. Spend your days clamming, crabbing, shrimping, fishing, and beachcombing, or join neighbors for summer concerts, craft fairs, parades, and community events. A game of bocce ball rounds out the island lifestyle. Accessible by private boat or the island’s own 48-passenger ferry, Hat Island offers a rare kind of privacy — a quiet, hidden-gem paradise away from the hustle and bustle, yet part of a warm, tight-knit community.

59 Snohomish Way, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$399,950
3 Beds ⋅ 2 Baths ⋅ 2564414 MLS ⋅ ACTIVE Status
Private Island Living in the Puget Sound. Tucked into the shimmering waters of the Puget Sound just 15 minutes from Everett, Hat Island is one of Western Washington’s best-kept secrets. Accessible by private ferry or boat. This island community offers something truly rare, a life completely set apart from the ordinary. This little gem offers comfortable island living with 3 bd, 1.75 bath, a bonus room, and a workshop, giving you space to spread out, create, and truly settle in. Daylight pours through generous windows & skylights. Walk out your front door and your steps from a 9-hole PGA golf course. Catch peekaboo views of the Puget Sound from the property. Daily wildlife includes seals, gray whales, porpoises, orcas, eagles, herons, and ospreys. Drop a crab pot, dig for clams, cast a line, pull up shrimp, or spend a morning beach combing the shoreline. Hat Island isn’t just a place to live, it’s a lifestyle. Residents enjoy access to a private marina & boat ramp. Tennis, pickleball, volleyball & bocce ball courts. Community garden & fish pond. Community bonfires & beach concerts. Yacht Club with membership, hosting happy hours and potlucks. Peaceful, private island atmosphere year-round. Whether you’re searching for a tranquil weekend escape or a full-time forever home, this Hat Island property delivers on every level. Island life is calling.

66 Port Susan Dr., Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$457,000
2 Beds ⋅ 1 Baths ⋅ 2553526 MLS ⋅ ACTIVE Status
Ultimate Pacific Northwest charm meets the coveted private island living in this quintessential 1981 A-frame retreat! Perfectly positioned on the pristine, tree-lined USGA Hat Island Golf Course along Port Susan Drive, this cabin delivers iconic architectural style and tranquility. Step inside to vaulted ceilings, expansive windows framing peaceful fairway views through old growth forest, and a cozy, cabin-forward layout designed for memorable island escapes. Leave behind the mainland traffic—your new sanctuary sits just a scenic 20-minute private ferry or boat ride west of the Everett Marina. Enjoy effortless access to exceptional community amenities, including a private multi-slip marina, pickleball and tennis courts, miles of private beaches, a community garden, and the Hat Island Golf Club right in your backyard. Spot bald eagles, gray whales, and resident orcas from around the island. Whether you're seeking a nostalgic weekend getaway or an active, close-knit island community to call home, this A-frame is your gateway to paradise.

12 B Port Susan Drive, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$725,000
2 Beds ⋅ 2 Baths ⋅ 2553525 MLS ⋅ ACTIVE Status
Welcome home to your private Pacific Northwest sanctuary. Nestled on a premier high bank waterfront lot, this exceptional residence beautifully blends coastal tranquility with everyday luxury. Expansive windows frame sweeping, unobstructed water views, filling the home with natural light and showcasing dramatic sunsets. Enjoy morning coffee on the spacious deck while watching local wildlife, or head down to the shoreline for clam digging, fishing, crabbing, swimming, kayaking and more. The thoughtful layout offers seamless indoor-outdoor entertaining spaces and high-end finishes throughout, including the double sided fireplace for cozy evenings in the living room or en suite master bedroom with heated floors in the master bathroom. Perfectly situated to offer maximum privacy while remaining a short boat ride from local shopping and dining. Your dream waterfront lifestyle starts here! A tranquil escape from the hustle and bustle or a year-round sanctuary. Hat Island ferry runs 6 days/week, you're just a short boat ride away from the mainland, while still feeling worlds apart. Hat Island provides a relaxed island lifestyle with community, and plenty of outdoor activities. Enjoy summer beach concert series, duck pond, tennis and pickleball, crabbing, clam digging, fishing, whale watching, bird watching, so much more!

8 W Gedney Way, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$579,000
3 Beds ⋅ 2 Baths ⋅ 2537198 MLS ⋅ ACTIVE Status
Beautiful south facing view home on the corner of a quiet street on Private Pristine Hat Island just minutes from bustling Everett Marina. Bright and open home has a San Juan feel with madronas and firs outside the large glass doors and windows. Roomy kitchen has expansive counter, eat-in bar with stools, and built in bench seats in dining room making for an entertainer's dream. Overflow to the 2nd story wraparound deck for indoor/outdoor entertaining while enjoying the seaside views, mountains, whales, eagles, and more. The home is bright and spacious with two roomy bedrooms, each with private deck access, and a spa like 5 piece bathroom on upper level. Main floor has an additional bedroom and plenty of space for a brightly lit den/office, game or rec room, and full bathroom. Attached garage is accessed from main level. Main floor opens to the patio and large landscaped yard, with mature trees, flowers, garden space. Come and enjoy Hat Island, a private gem in the PNW, with 48 passenger foot ferry running 6 days a week, 9 hole USGA golf course and frisbee golf, summer beach concerts, craft fairs, Yacht Club Friday social hours, trails, playgrounds, tennis and pickleball, and so much more. Enjoy all a unique private island community offers. Purchase bluff view lot with outbuilding and power across the road for reasonable additional price!

79 G Mukilteo Way, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$485,000
3 Beds ⋅ 2 Baths ⋅ 2539342 MLS ⋅ ACTIVE Status
Escape the city to your own private beach paradise! This charming turnkey waterfront cabin sits on 50 feet of pristine beach and tidelands on exclusive Hat Island. Enjoy breathtaking, unobstructed views of the Puget Sound, Everett city lights, and snow-capped Cascade Mountains. Located just a quick 4-mile boat ride from the mainland, your perfect weekend getaway includes a private mooring ball ready for a boat. The smart layout in the main home maximizes views and comfort. Fully equipped and furnished with 2 bedroom, bathroom, kitchen, living room with fireplace, loft sleeping area. Detached bonus space plus a separate workshop or storage shed. Play on a beautiful 9-hole USGA golf course. Enjoy tennis courts, pickleball courts, and walking trails. Access a marina, a community garden, and summer concerts. Boat right up to the home or take a beautiful beach walk. This is a dream property for people who love crabbing, fishing, kayaking, and peaceful island living. Wake up to the sound of the waves and start relaxing today!

2 S Pilchuck Ave, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$498,000
2 Beds ⋅ 1 Baths ⋅ 2540799 MLS ⋅ ACTIVE Status
Escape the hustle and bustle of the city to enjoy this rare charming single-story waterfront escape, perfectly placed on a massive sandy 0.95-acre lot on private Hat Island. Comes with everything you need for your summer enjoyment of true beach living. Tie up a boat just steps from the shoreline and head out onto the water whenever the mood strikes. Inside, the single-story layout is designed for cozy, low-maintenance living. Enjoy panoramic views of the Puget Sound, passing boats, orcas, whales, seals, herons, eagles, and beautiful PNW sunrises, all on one convenient level. The deck is perfect for taking in your 60ft of waterfront, and stepping out to sandy beach and tidelands. Boating lovers will love this property's very own private mooring ball. It is the ultimate spot to warm up by a fire after a day of beachcombing, clam digging, crabbing, fishing or whale watching. Boat in at higher tides, or enjoy a nice beach walk from the marina at lower tides. Home does not have road access, but ATVs are allowed on the beach at low tides. Hat Island is a private community just a short boat ride from Everett. Community amenities include a 9-hole golf course, a marina, a yacht club, trails, playgrounds, tennis and pickleball, summer concert series, miles of peaceful beaches, and so much more. Do not miss this chance to own a slice of the Pacific Northwest coastal paradise!

9 I Hat Island Walk, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$49,500
2511511 MLS ⋅ ACTIVE Status
This private island property transports you to an easier time. With its dirt roads, empty beaches and quiet natural beauty, Hat Island is a gem just 30 minutes from Everett. Hat Island has a beautiful 9 hole golf course surrounded by towering cedars. There is a flat camping space for outings near the marina, with a large picnic shelter, bathrooms/hot water/showers, a bocce ball court, fire pit, and a volleyball sand pit. Further up the hill, past the active yacht club, you’ll find a tennis/basketball court. The island maintains a ferry to Everett as well as a transit bus that drops off and picks up near ferry times. The island has its own desalinization plant and volunteer fire department. This property, Gedney Way, is on the quiet end of the island, surrounded by other acre lots. This means that even with future development, your dream build will always have a quiet forest appeal and not turn into a crowded neighborhood. Electricity and water are in the street. This lot has passed a septic feasibility study. If you are a liveaboard, you’ll find the moorage fees very appealing. The island is wonderful for boating and paddling adventures as well as whale watching.

0 V2 Gedney Way, Everett

Listing courtesy of TRELORA Realty, Inc..

$679,000
4 Beds ⋅ 3 Baths ⋅ 2509860 MLS ⋅ ACTIVE Status
Thoughtfully designed 3-story turnkey home with 2,448 sq. ft. of roomy, open living space, connecting you to dreamy seaside living. Main level features large open living room with cathedral ceilings, a dramatic wall of windows framing beautiful westerly water views, a large view kitchen and dining area offering generous counter space and eat-in bar, flowing straight into the living area so you never miss the scenery or action. A freestanding wood fireplace anchors the living area for cozy evenings. Main level includes two bedrooms and full bath. Step onto the spacious wraparound deck with sheltered area for whatever-the-weather. Upstairs includes a roomy loft bedroom, full bathroom, and alcove perfect as a flex space or quiet study. The bright, walk-out lower-level is flooded with natural light from large windows and private sliding glass door patio entrance. Here enjoy a 4th bedroom, a full bathroom, and spacious living area making an easy 960 sq ft guest suite, multi-generational living or separate mother-in-law suite. The large wooded property gives comfortable privacy. Enjoy Hat's USGA golf course with caddy shack, disc golf, tennis and pickleball courts, fishing pond, community garden, firepit, pavilion, playgrounds, and more. Enjoy golf and fishing tournaments, beach concerts, seasonal fairs, whale watching, birds, beachcombing. Yacht and Golf club center features a Saloon and a store to purchase Hat Island swag. Marina, ferry service 6 days/week, all you need!

97 B Port Gardner Drive, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

$670,000
2 Beds ⋅ 2 Baths ⋅ 2519706 MLS ⋅ ACTIVE Status
Once you step into this beautiful, charming, and meticulously maintained home, you will never want to leave! Enjoy unmatched west-facing sound views from both levels of this charming, thoughtfully planned cottage style home. Expansive decks seamlessly blend indoor comfort with the outdoors. The large kitchen is light and bright, with walk in pantry and plenty of storage, including glass cabinets over buffet/desk. Large laundry room with added pantry and powder off kitchen. Wood burning fireplace in the living room keeps you cozy year round. The wraparound deck and porch provide the perfect stage for entertaining against a backdrop of unobstructed views of the sound and mountains. Thoughtfully planned gardens and landscaping welcome you home. Sunsets are an added bonus! With a beach-themed guest cottage and a yard of fruit trees and gardens, you have everything you need for the ultimate Pacific Northwest getaway. Mature fir and cedar trees attract bald eagles, osprey, owls and more. Adjacent view 1/4 acre lot can be added to the purchase for additional fee. Photos available upon request. Enjoy Hat Island's private 48 passenger foot ferry 6 days a week, summer beach concert series, yacht club Friday happy hours, craft fairs, playgrounds, pickleball, tennis, USGA 9 hole golf course with frisbee golf, trails. Crabbing, fishing, clam digging, whale and bird watching, beach combing and so much more. A true private island community awaits!

38 M Cascade Drive, Hat Island

Listing courtesy of CENTURY 21 North Homes Realty.

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