Hilltop Homes with FHA Terms

Hilltop Homes with FHA Terms

Welcome to Hilltop, a vibrant neighborhood located in Tacoma, Washington. Situated in Pierce County, Hilltop offers a unique blend of urban living and community charm. With its convenient location and diverse amenities, it's no wonder why this neighborhood is a popular choice for homebuyers.

Hilltop is known for its rich history and cultural diversity. It is home to a variety of community events, including art walks, music festivals, and farmers markets. The neighborhood also boasts a thriving arts scene, with numerous galleries and performance spaces showcasing local talent.

When it comes to housing options, Hilltop offers a range of choices to suit different preferences and budgets. Whether you're looking for a cozy bungalow, a spacious family home, or a trendy loft, you'll find it here. Many of the homes in Hilltop are eligible for FHA financing, making it easier for first-time buyers or those with lower credit scores to secure a loan.

Living in Hilltop means enjoying easy access to Tacoma's amenities. The neighborhood is just a short drive away from downtown Tacoma, where you'll find a variety of restaurants, shops, and entertainment options. Additionally, Hilltop is well-connected to major highways, allowing for convenient commuting to other parts of the city or neighboring areas.

If you're looking for a neighborhood that offers a vibrant community spirit, diverse housing options, and convenient access to amenities, Hilltop is the place to be. Discover all that this charming neighborhood has to offer and find your dream home with FHA terms in Hilltop, Tacoma.

Newest Hilltop Homes with FHA Terms

$680,000
2573774 MLS ⋅ ACTIVE Status
Tacoma Fourplex with growth potential! This large corner lot comes with views of the mountain and craftsman charm. The up and coming Hilltop area has undergone a substantial transformation and is now a favorite for investors who want to be in the path of progress. Nearby hospitals, restaurants and the incoming light rail put this near job growth opportunities. The main level has tall 9 ft ceilings and a shared basement provides storage and laundry. The detached garage has 3 bays, currently leased to the tenants but could potentially be rented out as storage units or developed into a future DADU. One unit available for showings, inspection report, floorplan and 3D tour available upon request.

1522 S M Street, Tacoma

Listing courtesy of Windermere Abode.

$1,184,900
5 Beds ⋅ 4 Baths ⋅ 2571212 MLS ⋅ ACTIVE Status
Luxury Modern Living with a Private ADU! Move-in ready, this stunning contemporary home offers exceptional design, premium finishes, & incredible flexibility. The main residence features 4 spacious bedrooms, an open-concept floorplan, abundant natural light, and a spectacular chef's kitchen complete with premium Wolf, Viking & other high-end appliances, an impressive 16-foot floating quartz island, designer cabinetry, extensive storage, & sleek modern finishes throughout. The luxurious primary suite features an oversized spa-inspired bathroom with a freestanding soaking tub, expansive walk-in shower, and generous dual vanity. The lower level includes 862 sq. ft. private ADU with its own separate entrance, full kitchen, living & dining area, laundry, & spacious bedroom—ideal for multigenerational living, guests, a home office, or rental income potential. Additional features include a two-car garage, oversized driveway & ample parking for an RV, boat, or multiple vehicles. Conveniently located just minutes from Alderwood Mall, restaurants, shopping, parks, and everyday amenities. Easy access to I-5, I-405, and the Lynnwood Light Rail providing a convenient commuting to Seattle, Bellevue, Redmond, and surrounding areas. A rare opportunity to own an almost-new luxury home with premium finishes and an income-producing or multigenerational living option.

629 Bing Road Unit #A, Lynnwood

Listing courtesy of Kelly Right RE of Seattle LLC.

$499,999
4 Beds ⋅ 2 Baths ⋅ 2560332 MLS ⋅ ACTIVE Status
Completely updated. Move-in ready 3 bedroom 2 bath home just steps from Sixth Avenue shopping, restaurants, entertainment & major bus line. Newer kitchen, bathrooms, vinyl windows & lighting. Welcome home to this Craftsman, blending timeless charm with modern updates. The 1,474 SF main home with an additional 646 SF basement (great for storage!) offers an open-concept layout connecting the living, dining, and kitchen areas, perfect for entertaining. Main floor includes a spacious bedroom and full bath, while upstairs offers 3 additional bedrooms and another full Major improvements include upgraded plumbing, electrical, and roof in 2024, plus a full 2026 remodel featuring an updated HVAC system. Detached 1-car garage with additional driveway parking and plenty of nearby street parking available.

719 S Spraque Ave, Tacoma

Listing courtesy of CENTURY 21 North Homes Realty.

$545,000
2544823 MLS ⋅ ACTIVE Status
Here is your opportunity to own a one-of-a-kind historic duplex in Tacoma's Hilltop neighborhood. Converted to a duplex shortly after construction, this classic home offers timeless character, strong income potential, and room to add value. Rescued and thoughtfully restored in the 1980s, it's now ready for its next chapter. The upper 2-bedroom unit has benefited from significant updates, including beautifully refinished original hardwood floors, fresh interior paint, and new kitchen cabinetry, while retaining its historic charm. The lower unit offers an excellent opportunity for similar improvements, allowing the next owner to build additional equity. Both units are currently occupied, providing immediate rental income from day one. Whether you're an investor or looking to expand your portfolio with a unique property, this historic duplex is full of potential.

2152 S -54 J St Street, Tacoma

Listing courtesy of Meridian Real Estate Group.

$1,150,000
5 Beds ⋅ 4 Baths ⋅ 2554596 MLS ⋅ ACTIVE Status
Rare 1.5-story retreat on an oversized corner lot within a quiet cul-de-sac, offering TWO primary suites, each with its own en-suite bath — one on the main level, one upstairs — ideal for multigenerational living. 5 bedrooms plus a den, 4 full baths, 2,604 sf finished. A two-story sunroom features soaring ceilings, skylights, a fireplace, and French doors to the patio. Formal dining room, kitchen with bar seating, and a wine nook under the stairs add character. Step outside to a stamped-concrete patio framed by a privacy hedge and garden, with a gazebo and gas fire pit (both stay) plus a connected upper patio with its own wood-burning fire pit. A custom two-room shed offers space for yard equipment and hobbies, with a powered dual loft for storage. The oversized 2-car garage is fully insulated and finished, with built-in cabinets, overhead racks, and a pull-down attic ladder. Gravel area accommodates RV or extra parking. Two furnaces for dual zone heating (one new, one serviced), crawlspace cleaned and sealed, ongoing pest control contract. Directly across from the path to Hilltop Elementary, Edmonds School District. Pre-inspected with report available — move-in ready!

20611 6th Place W, Lynnwood

Listing courtesy of John L. Scott Everett.

$409,900
2 Beds ⋅ 2 Baths ⋅ 2542905 MLS ⋅ ACTIVE Status
Beautifully updated Central Tacoma home offering modern finishes, future development potential, and an unbeatable location. This move-in ready property features a new roof, new stainless steel appliances, new cabinetry, luxury vinyl plank flooring, updated bathrooms, fresh interior paint, and thoughtful updates throughout, providing both style and peace of mind. Conveniently located near the vibrant 6th Avenue District, University of Puget Sound, Tacoma General Hospital, parks, shopping, dining, and easy freeway access. Situated on a fully fenced lot with alley access, this property also features a detached garage with convenient rear access from the alley, offering added functionality and flexibility. A recent feasibility analysis indicates the property may accommodate up to two detached ADUs under Tacoma's UR-2 zoning, creating exciting possibilities for future rental income, multi-generational living, or expanded living space (buyer to verify all development potential with the City of Tacoma). Whether you're looking for a turnkey home, an investment opportunity, or a property with long-term upside, this Central Tacoma gem delivers the perfect blend of modern updates, location, and potential.

2322 S Ash Street, Tacoma

Listing courtesy of Best Choice Realty LLC.

$400,000
3 Beds ⋅ 1 Baths ⋅ 2535940 MLS ⋅ ACTIVE Status
Beautifully updated 1925 Craftsman house featuring 3 bedrooms and one full bath. Main floor has large living room and dining room with new paint with large trim and crown molding. Kitchen has been updated with newer cabinets, hardware, stainless steel appliances, granite countertops and eating nook. Upstairs has two large bedrooms and a third smaller bedroom that would make the perfect home office. Basement has finished laundry room and plenty of additional storage. Newer roof, hardie board siding and most windows have been replaced with double pane vinyl windows. Outside is fully fenced with alley access on the side. Charming neighborhood located near downtown Tacoma, Ruston Way, museums, dining, public transit, and major commuter routes, this home offers a great balance of neighborhood charm and city accessibility.

1208 S 14th Street, Tacoma

Listing courtesy of AgencyOne.

$979,999
2520517 MLS ⋅ ACTIVE Status
Stunning Victorian 4-plex spread over two buildings that were fully rebuilt from the studs out in 2018. These units blend historic character with modern luxury! All units are fully furnished, and the sale includes all furniture, linens, dishware, décor and household essentials—offering a truly turnkey, income-producing highly rated vacation rental property from day one (ratings listed below). Each unit features its own in-unit washer and dryer. Prime Hilltop location with excellent walkability to the Tacoma light rail, convention center, UW Tacoma, and local museums, plus less than a mile from three major hospitals (about a 3-minute drive or 5-minute bike ride), making it highly desirable for traveling professionals and 30+ day furnished rentals. Thoughtfully designed unit mix offers strong income potential across all four units. Unit 1 features a spacious 1 bed/1 bath (900 SF) with open living and dining layout, sleeping 3 and averaging $2,838/mo (4.86/5 Star Rating). Unit 2 is the largest at 3 bed/2 bath (1,335 SF), sleeping 8, highlighted by partial Mt. Rainier views and two private decks, averaging $3,841/mo (4.9/5 Star Rating). DADU lower unit includes 1 bed/1 bath (600 SF), tile flooring in a sleek kitchen, sleeping 2, averaging $2,745/mo (4.85/5 Star Rating). Upper DADU is a cozy 1 bed/0.75 bath (600 SF), also sleeping 2, averaging $2,443/mo (4.84/5 Star Rating). Excellent opportunity for investor or house-hack buyer seeking strong in-place income and flexibility.

1214 S I Street, Tacoma

Listing courtesy of Kelly Right RE of Seattle LLC.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2503778 MLS ⋅ ACTIVE Status
Welcome to your charming 3 bedroom 1.25 bath 2 story home with bonus. Yard is fully fenced on a big lot with an alleyway entrance to a large open space in the back yard. Convenient to nearby schools, hospitals, museums, shops, restaurants and transportation.

1939 S L Street, Tacoma

Listing courtesy of Call It Closed.

$449,950
2492238 MLS ⋅ ACTIVE Status
HOUSE HACKERS - this property is a great way to offset your mortgage living on one side and continue renting the other! INVESTORS - this a great turn key rental to add to your portfolio that even has potential to push rent higher! Unit 1 is a 1 bed 1 bath and Unit 2 is a 2 bed 0.75 bath. The property has been updated with LVP flooring, paint, and appliances! Conveniently located near the Tacoma Link Light Rail, UW Tacoma, Stadium District, Hospitals, restaurants, shops, entertainment, and more! Potential condoization for even more opportunity? Buyer to verify!

1123 S M Street, Tacoma

Listing courtesy of Theory Real Estate.

$449,950
3 Beds ⋅ 2 Baths ⋅ 2492692 MLS ⋅ ACTIVE Status
HOUSE HACKERS - this property is a great way to offset your mortgage living on one side and continue renting the other! INVESTORS - this a great turn key rental to add to your portfolio that even has potential to push rent higher! Unit 1 is a 1 bed 1 bath and Unit 2 is a 2 bed 0.75 bath. The property has been updated with LVP flooring, paint, and appliances! Conveniently located near the Tacoma Link Light Rail, UW Tacoma, Stadium District, Hospitals, restaurants, shops, entertainment, and more! Potential condoization for even more opportunity? Buyer to verify!

1123 S M Street, Tacoma

Listing courtesy of Theory Real Estate.

$1,300,000
2467071 MLS ⋅ ACTIVE Status
Are you looking for your next multi family investment? Maybe 1031 exchange? Look no further! This 10 unit apartment complex in Hilltop is an incredible opportunity and perfect for your portfolio! Very conforming 2 story complex with 5 units down, 5 units up, a laundry room, and storage room! Each unit is a 1 bed 1 bath and all separately metered! Various updates have been done throughout the interiors and exterior of the property! This is a prime location conveniently located on the Tacoma Link Light Rail, nearby UW Tacoma, Stadium District, Hospitals, restaurants, shops, entertainment, and more! Fully gated property for security and a dog run out back! This has everything you need for your next investment! Hurry before it's gone!

1405 Martin Luther King Jr Way, Tacoma

Listing courtesy of Theory Real Estate.

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