Kalama Homes with FHA Terms

Kalama Homes with FHA Terms

Kalama, a charming city located in Cowlitz County, Washington, is a wonderful place to call home. Situated in the heart of the United States, Kalama offers a tranquil and picturesque setting for those seeking a peaceful lifestyle.

The neighborhood of Kalama is known for its friendly community and stunning natural beauty. With the mighty Columbia River flowing nearby, residents can enjoy breathtaking views and a variety of outdoor activities such as fishing, boating, and hiking. The city also boasts a vibrant downtown area with local shops, restaurants, and cafes, providing a sense of small-town charm.

For those looking to buy a home in Kalama, the option of FHA terms is available. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible by offering flexible financing options. These loans often require a lower down payment and have more lenient credit requirements, making them an attractive choice for many homebuyers.

With FHA terms, potential homeowners in Kalama can take advantage of affordable financing options, making their dream of owning a home a reality. Whether you're a first-time buyer or looking to upgrade to a larger property, FHA loans can provide the financial flexibility you need to make your real estate goals a reality.

If you're considering a move to Kalama, you'll find a welcoming community, stunning natural surroundings, and the opportunity to purchase a home with FHA terms. Don't miss out on the chance to experience the beauty and tranquility of this charming neighborhood.

Newest Kalama Homes with FHA Terms

$475,000
4 Beds ⋅ 2 Baths ⋅ 2575154 MLS ⋅ ACTIVE Status
Tasteful updates, lots of charm, and an impeccably clean home paired with a downtown location? YES! This 4-bedroom, 2-bathroom property draws you right in and invites you to stay a while! The covered front porch is perfect for slow mornings and quiet evenings outside. High ceilings, generous open living areas, and fresh finishes offer comfort inside. New furnace, flooring, fixtures, bathrooms, kitchen and more! Easy care luxury vinyl floors. Up close Columbia River views from the primary bedroom, kitchen and deck. From there you can see many great destinations just blocks from you - the marina, waterfront park, downtown shops and restaurants. Living this close to the best amenities Kalama has to offer is a treat - don't miss it!

285 N 2nd Street, Kalama

Listing courtesy of Key Results Real Estate.

$350,000
5 Beds ⋅ 2 Baths ⋅ 2575333 MLS ⋅ ACTIVE Status
Rare opportunity to own approximately 10 beautiful acres in the scenic Kalama area! Surrounded by trees and natural beauty, this property offers a peaceful setting with walking tracks throughout the land, abundant wildlife, and plenty of room to enjoy the outdoors. A 5-bedroom home currently sits on the property, offering an opportunity for a buyer with a vision to remodel, rebuild, or create something truly special. The land is the star of the show, providing privacy, space, and endless possibilities for those looking to build their dream home or create a private retreat. Located near the Columbia River and Kalama River, with easy access to the area's parks, trails, fishing, boating, and outdoor recreation. Kalama's small-town charm combined with its proximity to I-5 makes this a desirable location for enjoying the peace of country living while remaining convenient to everyday amenities. Bring your vision and explore the possibilities this beautiful 10-acre property has to offer!

405 ITALIAN CREEK Road, Kalama

Listing courtesy of Matin Real Estate.

$595,000
4 Beds ⋅ 3 Baths ⋅ 2574133 MLS ⋅ ACTIVE Status
Country comfort, generous space, and room for your plans come together at 104 Angels Lane. Set on approximately 1.4 acres, this 2,072-square-foot, two-story Kalama home offers 4 bedrooms and three bathrooms: one full, one three-quarter, and one half bath. A broad covered front porch welcomes you into a light-filled entry accented by warm woodwork and hardwood flooring. The kitchen provides abundant cabinetry, ample counter space, casual peninsula seating, and an easy connection to the dining area. A spacious living room and separate family room offer flexibility for entertaining, hobbies, work, or quiet relaxation. Upstairs, the primary bedroom features a private bath and walk-in closet, accompanied by three additional bedrooms. Comfort is supported by forced-air heating, a heat pump for heating and cooling, and a main-floor gas fireplace. Outdoors, enjoy a peaceful country setting with pasture, a pear tree, a seasonal stream, partial Columbia River and territorial views, and a mix of level and gently sloped ground. The fully fenced property includes a patio, RV parking, an attached two-car garage, and a detached shop for projects, equipment, and recreational gear. Public water, septic, high-speed internet availability, and no HOA add practical appeal. Located on a dead-end lane with convenient access to downtown Kalama and I-5, this property brings together breathing room, versatile spaces, useful improvements, and everyday accessibility.

104 Angels Lane, Kalama

Listing courtesy of Realty One Group Pacifica.

$460,000
3 Beds ⋅ 3 Baths ⋅ 2572503 MLS ⋅ ACTIVE Status
This charming home is situated near downtown Kalama, parks, restaurants and the waterfront! Beyond the privacy hedge is a fully fenced yard with raised garden beds, covered front and back porches, and a detached two car garage with alley access and extra parking. The main floor features living and family rooms plus a den/office or formal dining room. Kitchen, half bath, and utility room also on the main level. Upstairs you'll find three bedrooms, two more bathrooms. The primary suite features double closets and a tile shower. Lots of personalized touches like vessel sinks, custom shelving, and all hard surface flooring throughout the home. Many big updates like an all new roof and deck cover, triple pane windows, and new exterior doors provide peace of mind! Cement board siding and newer exterior paint add to this solid home!

428 S 2nd Place, Kalama

Listing courtesy of Key Results Real Estate.

$699,900
4 Beds ⋅ 2 Baths ⋅ 2570097 MLS ⋅ ACTIVE Status
Updated 4-Bedroom Home on 2 Private Acres in Kalama Welcome to this beautifully refreshed 4-bedroom, 2-bath home set on 2 private, usable acres in Kalama. Thoughtfully updated inside and out, this property offers comfortable living, territorial views toward the Oregon hills, and plenty of space to enjoy now while leaving room for future expansion. Recent improvements include a refreshed exterior with new tongue-and-groove woodwork, updated finishes, contemporary lighting, a modern front door, and a new entry railing that adds modern-rustic charm. Inside, fresh paint and new carpet create a bright, clean, inviting atmosphere, while the open and flexible floor plan provides plenty of room for everyday living, entertaining, work, or hobbies. The expansive acreage offers privacy, usable space, and potential for a future shop or outbuilding, with room for storage, a workshop, equipment, or additional customization. Enjoy peaceful country living while maintaining convenient access to I-5 for an easy commute. A rare opportunity to own an updated home on acreage with privacy, views, flexibility, and future potential—all in a convenient Kalama location.

198 Star Road, Kalama

Listing courtesy of Windermere Northwest Living.

$481,900
4 Beds ⋅ 2 Baths ⋅ 2570890 MLS ⋅ ACTIVE Status
Bring your toys to this peaceful Kalama neighborhood! This move-in ready 4BD/2BA home pairs practical indoor living with unmatched outdoor utility. Featuring an electric fireplace with custom accent surround and concealed storage nook. The backyard is an entertainer’s retreat with a covered deck, fire pit, and custom cabana with hot tub & bar! Outdoor enthusiasts will love the paved secondary driveway leading to a powered detached shop (40-amp service), plus RV parking, dog run, and a spacious front lawn.

148 Greystone Road, Kalama

Listing courtesy of John L. Scott, Inc..

$925,000
3 Beds ⋅ 3 Baths ⋅ 2568446 MLS ⋅ ACTIVE Status
Welcome to 503 Cemetery Rd, where comfort, functionality, and privacy come together on 7.06 beautiful acres in desirable Kalama. This thoughtfully designed 3-bedroom, 2.5-bath home features an open-concept layout filled with natural light, a spacious kitchen with ample storage, and a dedicated home office complete with its own private exterior entrance and direct access to the garage—perfect for working from home or running a business. The living area is pre-wired for surround sound, creating an ideal space for entertaining or movie nights. Step outside to enjoy the covered back patio, already plumbed for gas, overlooking the fire pit and peaceful wooded surroundings. A large, level side yard offers shop-ready potential, while recently planted Leyland cypress trees along both sides of the property will provide even more privacy as they mature. The professionally designed landscaping beds are pre-wired for exterior lighting, making it easy to enhance the home's curb appeal and evening ambiance. Beyond the backyard, explore your own network of wooded trails perfect for walking, riding ATVs, or dirt bikes. The oversized 3-car garage provides plenty of room for vehicles, hobbies, and storage. Enjoy the perfect balance of usable land, recreational acreage, and modern convenience with city utilities and easy access to I-5, schools, and downtown Kalama.

503 Cemetery Road, Kalama

Listing courtesy of Windermere Northwest Living.

$475,000
4 Beds ⋅ 3 Baths ⋅ 2567598 MLS ⋅ ACTIVE Status
Welcome to 414 N 3rd Pl in Kalama! This inviting home combines comfortable living spaces with an easy, functional layout and warm finishes throughout. The spacious living room features abundant natural light, durable wood-style flooring, and a cozy gas fireplace—perfect for relaxing or entertaining. The open kitchen and dining area offer plenty of cabinetry, stainless steel appliances, and a beautiful live-edge wood breakfast bar that adds character and creates a natural gathering spot. Large windows bring in tons of light, while the sliding glass door provides easy access to the outdoor living space. Located in a desirable Kalama neighborhood with quick access to I-5, the Columbia River, local parks, schools, and community amenities. A great opportunity to own a comfortable home in one of Southwest Washington's charming river communities! Owner is a licensed real estate agent.

414 N 3rd Place, Kalama

Listing courtesy of Keller Williams-Premier Prtnrs.

$659,000
3 Beds ⋅ 2 Baths ⋅ 2566618 MLS ⋅ ACTIVE Status
Two Tax Lots. One Incredible Opportunity. One Full Acre Across from the Kalama River! Situated on two separate tax lots totaling 1 acre, this unique property offers exceptional flexibility and value. The home sits on 0.65 acres, while the adjoining 0.35-acre vacant lot adds space, privacy, RV/boat storage, and potential future possibilities. Both lots have power, septic, and water. Buyer to verify intended use and development options with Cowlitz County. Located directly across the street from the beautiful Kalama River, this property offers easy access to fishing, kayaking, and outdoor recreation, along with peaceful river views and the natural beauty of the Pacific Northwest. Inside, the home blends modern updates with rustic charm. The remodeled kitchen features quartz countertops, shaker cabinetry, stainless steel appliances, subway tile backsplash, and a large island. A bright dining nook overlooks the private, wooded setting, while the spacious living room is filled with natural light. The standout rustic entertaining room features a custom live-edge bar, knotty pine walls and ceilings, and direct access to the expansive deck—perfect for entertaining or relaxing after a day on the river. HVAC replaced in 2022. Roof replaced in 2018. A rare combination of location, land, flexibility, and value!

316 Laverne Drive, Kalama

Listing courtesy of Knipe Realty ERA Powered.

$445,000
2 Beds ⋅ 1 Baths ⋅ 2553771 MLS ⋅ ACTIVE Status
Built in 2019, this energy-efficient 2-bedroom, 1-bath home sits on a spacious 1/3-acre lot in one of Kalama's most desirable neighborhoods, offering beautiful partial Columbia River views. The open floor plan features a well-designed kitchen with abundant cabinetry, generous counter space, and stainless steel appliances that stay. The dining area and primary suite both provide access to the rear deck, and the primary bedroom includes a full bath. Recent updates include new carpet and fresh paint on the exterior doors and trim. A ductless heat pump provides year-round comfort. Outside, enjoy a covered front patio, fenced backyard with plenty of garden space, and room to expand your outdoor living. The detached one-car garage includes an automatic opener and a 100-amp electrical panel. Seller reports an average PUD bill of approximately $100 per month, and approximately three years remain on the builder's transferable home warranty. Conveniently located just minutes from downtown Kalama, the Columbia River waterfront, fishing, shopping, dining, and the popular McMenamins Kalama Harbor Lodge, this move-in-ready home offers the perfect balance of comfort, efficiency, and location.

1009 Taylor Road, Kalama

Listing courtesy of RE/MAX Premier Group.

$495,999
3 Beds ⋅ 3 Baths ⋅ 2545828 MLS ⋅ ACTIVE Status
Welcome to this beautifully maintained 2019 home in the desirable Stone Forest community of Kalama! Offering 1,885 sq ft, 3 bedrooms, 2.5 bathrooms, and a finished daylight basement, this home provides the perfect blend of comfort, style, and functionality. Situated on a premium lot with no homes directly behind, you’ll enjoy added privacy and a peaceful setting that’s hard to find. The backyard is a standout feature with a fully paved patio and Trex deck, creating a low-maintenance outdoor space perfect for relaxing, entertaining, and enjoying the view. The open-concept main level offers abundant natural light and seamless flow between the living, dining, and kitchen areas. Downstairs, the finished basement provides excellent flex space for a family room, office, gym, media room, or play area. Enjoy year-round comfort with an energy-efficient heat pump. Located minutes from I-5, schools, parks, and downtown Kalama, this move-in ready home offers modern comfort, privacy, and outdoor living all in one. **Buyer Incentive:** A **1% lender credit OR a one-year temporary interest-rate buydown** is available through the preferred lender, helping qualified buyers reduce their upfront costs or potentially lower their monthly payment during the first year.

413 STONE PARK, Kalama

Listing courtesy of Keller Williams-Premier Prtnrs.

$485,000
3 Beds ⋅ 3 Baths ⋅ 2541620 MLS ⋅ ACTIVE Status
Escape to the peaceful countryside with this beautiful 3 bedroom, 3 bathroom home offering 2,551sqft of comfortable living space on just over 2.5 acres in Kalama. Enjoy privacy and all the open space this property has to offer. This home is complete with a detached two car shop that's ideal for outdoor toys, hobbies and storage. Whether you're looking for room to roam, space to entertain or simply a quiet place to call home, this property offers so many possibilities. Come Check it out!

161 Rogers Road, Kalama

Listing courtesy of Realty Works Group, Inc..

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