Ilwaco Homes with FHA Terms

Ilwaco Homes with FHA Terms

Ilwaco is a charming coastal city located in Pacific County, Washington, in the United States. Situated on the southernmost tip of the Long Beach Peninsula, Ilwaco offers residents a picturesque setting with stunning views of the Pacific Ocean and easy access to a range of recreational activities.

One of the notable features of the real estate market in Ilwaco is the availability of homes with FHA terms. FHA, or the Federal Housing Administration, provides mortgage insurance to lenders, making it easier for buyers to secure financing for their home purchase. This is particularly beneficial for first-time homebuyers or those with lower credit scores, as FHA loans typically have more lenient qualification requirements.

With FHA terms available, prospective buyers in Ilwaco can explore a variety of housing options that suit their preferences and budget. From cozy beach cottages to modern waterfront homes, the real estate market in Ilwaco offers a diverse range of properties to choose from. Whether you're looking for a permanent residence or a vacation home, Ilwaco has something to offer everyone.

Additionally, Ilwaco boasts a vibrant community with a rich maritime history. The city is home to a bustling fishing industry and hosts an annual Crab Pot Christmas Tree lighting ceremony, attracting visitors from near and far. With its small-town charm, friendly residents, and stunning natural beauty, Ilwaco is an ideal place to call home.

If you're considering buying a home in Ilwaco, explore the options available with FHA terms and take advantage of the opportunity to own a piece of this beautiful coastal community.

Newest Ilwaco Homes with FHA Terms

$475,000
3 Beds ⋅ 2 Baths ⋅ 2564854 MLS ⋅ ACTIVE Status
Completely remodeled inside and out, this move-in ready single-level rambler sits on more than 6 private wooded acres and offers the perfect balance of country living and everyday convenience. Featuring 3 bedrooms and 2 updated bathrooms, this home has been extensively improved with quality updates throughout. Major upgrades include the foundation, electrical system, roof, and much more, giving buyers confidence and peace of mind. A new 24x35 shop provides plenty of space for vehicles, equipment, hobbies, or extra storage. Surrounded by mature trees, the property offers exceptional privacy and a peaceful setting with abundant wildlife. Zoned agricultural, the acreage is well suited for horses, gardening, hobby farming, recreational use, or simply enjoying wide open space. There is plenty of room to expand, create outdoor living areas, or make the property your own. Located just minutes from town, you'll enjoy easy access to shopping, restaurants, schools, and other local amenities while still coming home to a quiet rural setting. Whether you're looking for space to spread out, a place to enjoy nature, or a home where all the major work has already been completed, this property is ready for its next owner. Don't miss this opportunity to enjoy privacy, functionality, and the flexibility that acreage living has to offer.

2693 State Rt 101, Ilwaco

Listing courtesy of RealtyONEGroup Discovery Coast.

$625,000
2 Beds ⋅ 3 Baths ⋅ 2555184 MLS ⋅ ACTIVE Status
Whether you're searching for a multi-generational home, supplemental rental income, or a smart investment, this thoughtfully updated property offers incredible versatility. The main 1 bed, 1.5 bath residence features vaulted ceilings, an open-concept layout, spacious living areas, and numerous updates throughout, including flooring, lighting, plumbing, electrical, kitchen appliances, and energy-efficient wall heaters. This unit provides a spacious suite with mountain views on the second level as well as plenty of space to redesign or expand. Attached is a second, 1 bed, 1 bath separately accessed South End living quarters, completed in 2025, which offers its own kitchen, full bath, laundry, and extensive new construction with quality finishes, creating an ideal space for extended living, guests, or long-term rental income. Keep the unit private or add a doorway to the main home for easy access from one unit to the other. Currently rented month-to-month, it provides immediate income potential while maintaining flexibility for future use. Peacefully situated among mature trees, this is a great opportunity to enjoy comfortable living with built-in investment value. List of upgrades and 3D tour available.

2902 Foxglove Lane, Ilwaco

Listing courtesy of RealtyONEGroup Discovery Coast.

$729,900
2 Beds ⋅ 2 Baths ⋅ 2546282 MLS ⋅ ACTIVE Status
Sweeping, ever-changing water views are the headline at this Baker Bay waterfront home, set on a private 1.57-acre parcel with 200 feet of frontage. From the large covered porch, and nearly every room, take in the Columbia River shipping channel, cruise ships, Cape Disappointment, the Coast Guard Station, Astoria, Saddle Mountain, Tillamook Head, and the Pacific Ocean. Sunsets are spectacular, as are the 4th of July fireworks. Eagles, herons, pelicans, osprey, and hawks work the bay, while deer and rabbits roam the grounds. Inside, generous living and dining rooms open to those same endless views. Spacious main-level bedroom with large closets, ensuite with jetted tub. Upstairs delivers the option of a massive primary suite with 180 degree Baker Bay views from a wall of windows which fills the upper level with natural light and stunning vistas; you can take in sunsets and the stars from bed. Must see Virtual Tours links. Meticulously maintained and extensively updated: newer roof, new flooring, whole-house water filtration, and new appliances. The garage is fully insulated and finished, with new garage and exterior doors. Every light fixture inside and out has been upgraded, with fresh interior and exterior paint throughout, and a new utility sink in the laundry room. Oversized and fully fenced yard with thoughtful and mature landscape. A rare waterfront offering. Don't miss it. Zoned RR; Nightly rentals allowed. Buyer to verify all. MUST SEE VIRTUAL TOUR LINKS ATTACHED

240 Stringtown Road, Ilwaco

Listing courtesy of Realty ONE Group All Stars.

$349,000
3 Beds ⋅ 2 Baths ⋅ 2543404 MLS ⋅ CONTINGENT Status
Well-maintained 3-bedroom, 2-bath manufactured home offering approximately 1,250 sq ft of comfortable living space on a .23-acre lot in desirable Ilwaco. Recent updates include newer roof, windows, and an energy-efficient mini-split heat pump for year-round comfort. The oversized 28' x 30' detached garage/shop provides abundant space for vehicles, hobbies, storage, or projects. RV enthusiasts will appreciate the dedicated RV hookup, making it easy to accommodate guests or your own adventures. Plenty of room to park, work, and play while enjoying the convenience of coastal living close to beaches, fishing, and local amenities. A great opportunity with valuable upgrades already in place!

7115 Ortelius Dr, Ilwaco

Listing courtesy of John L Scott Market Center.

$65,000
2418933 MLS ⋅ ACTIVE Status
Beautiful lot for sale in the coastal town of Ilwaco. Just 3 miles from Long Beach and 17 miles from Astoria, offering stunning Columbia River views and a prime location for your dream home or investment. Enjoy nearby beaches, fishing, and hiking in this peaceful Pacific Northwest setting. See other listings by same owner, to purchase four parcels together, at a discounted price.

3009 Lamontay Place, Ilwaco

Listing courtesy of Real Broker LLC.

$99,000
2419590 MLS ⋅ ACTIVE Status
Beautiful lot for sale in the coastal town of Ilwaco. Just 3 miles from Long Beach and 17 miles from Astoria, just minutes from Columbia River and Ilwaco Landing and Marina. A prime location for your dream home or investment. Enjoy nearby beaches, fishing, and hiking in this peaceful Pacific Northwest setting. Buyer to do their due diligence in researching the property. See other listings by same owner, to purchase four parcels together at a discounted price.

4001 Fourth Avenue SW, Ilwaco

Listing courtesy of Real Broker LLC.

$99,000
2419597 MLS ⋅ ACTIVE Status
Beautiful lot for sale in the coastal town of Ilwaco. Just 3 miles from Long Beach and 17 miles from Astoria, just minutes from Columbia River and Ilwaco Landing and Marina. A prime location for your dream home or investment. Enjoy nearby beaches, fishing, and hiking in this peaceful Pacific Northwest setting. Buyer to do their due diligence in researching the property. See other listings by same owner, to purchase four parcels together at a discounted price.

5001 Fourth Avenue SW, Ilwaco

Listing courtesy of Real Broker LLC.

$799,000
4 Beds ⋅ 4 Baths ⋅ 2363378 MLS ⋅ ACTIVE Status
3,600 sq ft custom house & garage, city water & sewer. Low maintenance floor heat with backup wood stove, four bedrooms, 2.5 bath, walk-in shower, large kitchen, breakfast bar, & walk-in pantry & office/hobby room. Large laundry room. 8’ French entry doors. 2-car attached heated garage and rooftop decks. 4100 sq ft detached heated six-car garage with separate wood shop and storeroom, includes hoist, compressor with plumbed air lines, and ½ bath. Fire & Security system with sprinklers in both buildings. ½ acre lot close to Astoria, Port of Ilwaco, Ocean Beach’s State Parks, shopping, and restaurants. Adjacent to a lighted airport with a dedicated taxiway to your front door. Floor plans are in the supplements. Check out the virtual tour.

6804 Chatham Way, Ilwaco

Listing courtesy of RealtyONEGroup Discovery Coast.

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