Holmes Harbor (Gyc) Homes with FHA Terms

Holmes Harbor (Gyc) Homes with FHA Terms

Holmes Harbor (Gyc) is a charming neighborhood located in Freeland, a city in Island County, Washington. Situated in the beautiful Pacific Northwest region of the United States, this neighborhood offers a tranquil and picturesque setting, perfect for those seeking a peaceful and idyllic place to call home.

One of the notable features of the Holmes Harbor neighborhood is its accessibility to FHA (Federal Housing Administration) terms for homebuyers. FHA loans are government-backed mortgages that offer favorable terms and lower down payment requirements, making it easier for individuals and families to purchase a home. This means that potential homebuyers in Holmes Harbor can take advantage of these terms to make their dream of homeownership a reality.

Living in Holmes Harbor provides residents with a range of amenities and recreational opportunities. The neighborhood is known for its stunning views of Holmes Harbor and the surrounding natural beauty. Residents can enjoy activities such as boating, fishing, and kayaking, taking full advantage of the waterfront location.

Additionally, Holmes Harbor is conveniently located near Freeland's downtown area, offering a variety of shops, restaurants, and services. The neighborhood is also in close proximity to schools, parks, and medical facilities, ensuring that residents have easy access to all the necessities of daily life.

With its serene atmosphere, FHA terms for homebuyers, and a range of amenities, Holmes Harbor is an ideal neighborhood for those looking to settle down in a peaceful and welcoming community.

Newest Holmes Harbor (Gyc) Homes with FHA Terms

$1,285,000
3 Beds ⋅ 3 Baths ⋅ 2549550 MLS ⋅ ACTIVE Status
Wake at the Water’s Edge as morning sunlight sparkles across Holmes Harbor and the ever-changing tides unfold. Positioned about 30 feet from shore, this extensively updated home offers an unusually immersive connection to the water. Life isn’t measured by the things we own, but by the moments we share. Explore tide pools, search for shells and sea glass, kayak quiet waters, fish, swim, harvest shellfish from your own tidelands. As evening settles in, gather around a beach fire, linger beneath the stars, and listen to the water. Set on approx. 1 acre with 100± feet of low-bank saltwater frontage and 10,000± sq ft of private tidelands, Water’s Edge offers rare privacy, protected harbor waters, and convenience minutes from Freeland. Expansive water views fill virtually every room. Open living spaces, hand-hewn beams, and a custom stainless-steel spiral staircase add warmth and character. The main-level primary suite offers a freestanding tub and curbless shower; upstairs, a second ensuite features a showpiece bath, plus an additional bedroom and flexible gathering space. Enclosed 60x20 catio/garden, shed, RV parking, generator wiring, EV charging, and ample parking. No HOA; short-term rentals permitted. Potential DADU up to 1,200± sq ft—buyer to verify. Living on the waterfront changes how you spend your days. Trade screen time for tide pools, sunsets, and stories around a beach fire. The greatest luxury isn’t owning waterfront—it’s living it. Don’t wait for someday.

5341 S Bercot Road, Freeland

Listing courtesy of Coldwell Banker Danforth.

$669,000
3 Beds ⋅ 2 Baths ⋅ 2491136 MLS ⋅ ACTIVE Status
Step into easy island living in this completed 2025 Craftsman, tucked on a quiet Holmes Harbor cul-de-sac. Designed for single-level comfort with zero-entry accessibility, this sunlit 3-bedroom plus office home blends the fresh feel of new construction with everyday function. The open great room, vaulted ceilings, laminate hardwood floors, and kitchen with eating space create an inviting hub for gathering, while the deck and patio extend your living space outdoors to territorial and pond views. New Bayview blinds throughout the house add a polished finishing touch and soft natural light control. Completed landscaping and retaining wall make the outdoor space feel settled from day one. With 1.75 baths, bath off primary, walk-in closet, ductless mini-split heating/cooling, heat pump water heater, attached 2-car garage, and wiring for a generator, this home is built for comfort, efficiency, and peace of mind. Fresh, bright, accessible, and ready for your Whidbey chapter. Seller financing available.

4817 Lawrence Avenue, Freeland

Listing courtesy of COMPASS.

$658,000
2 Beds ⋅ 1 Baths ⋅ 2481922 MLS ⋅ ACTIVE Status
Charming 2-bedroom, 1-bath, 1,000 sq ft single-level home on a quiet cul-de-sac, featuring a fenced yard for privacy. Expansive decks run the length of the home, offering breathtaking views of Holmes Harbor and the Cascade Mountains, perfect for relaxing or entertaining. The cabin-style interior has been thoughtfully refreshed and includes a versatile 464 sq ft concrete-floor area with heat & electricity, ideal as a second bedroom, gym, flex space, or creative retreat. Additional features include a cozy propane fireplace, ductless efficient heat and air, vaulted ceilings, a functional kitchen, and a Primary suite with walk in closet. Situated on a double lot totaling nearly half an acre, this peaceful property combines space, serenity, and unmatched views.

1412 Commodore Place, Freeland

Listing courtesy of Windermere RE/South Whidbey.

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