Lummi Island Homes with FHA Terms

Lummi Island Homes with FHA Terms

Welcome to Lummi Island, a hidden gem in Whatcom County, Washington! This charming island is a peaceful retreat just a short ferry ride away from the bustling city of Bellingham. Lummi Island offers a unique blend of natural beauty, small-town charm, and a strong sense of community.

The neighborhood of Lummi Island is perfect for those looking to escape the hustle and bustle of city life. With its stunning views of the Salish Sea and the surrounding mountains, Lummi Island is a nature lover's paradise. Residents here enjoy outdoor activities like hiking, kayaking, and beachcombing.

Looking to make Lummi Island your home? You're in luck! Homes with FHA terms are available in this area, making it easier for first-time homebuyers and those with limited down payments to purchase their dream home. Whether you're looking for a cozy cottage, a waterfront retreat, or a modern family home, Lummi Island has something for everyone.

Come and explore all that Lummi Island has to offer – from its friendly community to its picturesque surroundings, this neighborhood is truly a special place to call home. Experience island living at its finest on Lummi Island!

Newest Lummi Island Homes with FHA Terms

$599,950
3 Beds ⋅ 3 Baths ⋅ 2575368 MLS ⋅ ACTIVE Status
Set at the end of a quiet road, this Lummi Island property offers a full acre of land surrounded by mature evergreens, creating a private and peaceful setting with filtered bay and island outlooks, along with glimpses of Mt. Baker and the Canadian Coastal Range. There is also potential to enhance view corridors over time. The home features vaulted ceilings and expansive windows that bring in natural light and connect the interior to its natural surroundings. An open main living area flows out to a covered deck—well-suited for year-round enjoyment. The lower level, with separate access, provides flexible space for guests, a studio, or additional living use—offering versatility that’s not commonly found at this price point on the island. Located just minutes from the ferry, trails, boat launch, and local amenities, the property combines seclusion with accessibility. A short walk leads to the Aiston Nature Preserve, offering over 100 acres of protected land for recreation and exploration. A unique opportunity to own space, privacy, and flexibility on Lummi Island.

1103 Berry Way, Lummi Island

Listing courtesy of Keller Williams Western Realty.

$695,000
2 Beds ⋅ 1 Baths ⋅ 2570095 MLS ⋅ ACTIVE Status
Experience the idyllic magic of Lummi Island in this charming and historic 1915 2-bed/1-bath cottage located in the peaceful Isle Aire Beach neighborhood. Featuring original hardwood floors, wainscoting, and a claw-foot tub, this home is overflowing with character. Unwind by the wood-burning stove or rinse off in the outdoor shower after spending the day at the private community beach that is a two minute walk away. With a 5-yr history as a guest favorite vacation rental, this home is a proven retreat. Enjoy stunning sunsets and west facing water views from the porch-your slice of heaven awaits.

2549 Taft Drive, Lummi Island

Listing courtesy of Lummi Island Realty LLC.

$617,499
3 Beds ⋅ 2 Baths ⋅ 2549290 MLS ⋅ ACTIVE Status
Lummi Island living at its finest! Perched in the desirable Isle Aire community, this 3-bedroom, 1.75-bath home offers 2,352 square feet of flexible living space and breathtaking west-facing views of the San Juan Islands and Strait of Juan de Fuca. Watch spectacular sunsets from your expansive deck and keep an eye out for passing orcas, eagles, and ever-changing marine activity. The main level features comfortable living with two bedrooms, a full bath, eat in kitchen, and inviting living room centered around a cozy wood-burning fireplace. Downstairs, a separate living area with an additional bedroom, ¾ bath, second wood-burning fireplace, and private entrance provides ideal space for guests, extended living, or a private retreat. The detached two-car garage offers excellent workshop space, built-in storage, and room for hobbies, recreational gear, or island projects. Outside, enjoy beautifully landscaped gardens, ample space for growing your own vegetables and flowers, and a welcoming fire pit gathering area perfect for relaxing under the stars. Located just blocks from Isle Aire’s private west-facing beach, ownership includes deeded beach rights and the opportunity for your own mooring buoy. Miles of nearby walking trails begin just beyond the backyard, offering easy access to the island’s natural beauty. Whether you’re seeking a full-time residence or the perfect island getaway, this property delivers the best of Lummi Island’s relaxed coastal lifestyle.

2536 Island View Lane, Lummi Island

Listing courtesy of RE/MAX Whatcom County, Inc..

$695,000
3 Beds ⋅ 3 Baths ⋅ 2533492 MLS ⋅ ACTIVE Status
This beautifully crafted 2-bedroom home with a den/office (or optional 3rd bedroom) and 2.5 baths welcomes you with a slate entry, built-in storage bench, vaulted ceilings, warm wood floors, and stunning custom woodwork throughout.A wall of clerestory windows fills the main living space with natural light while framing peaceful wooded, water, and Mt. Baker views. Surrounded by nature, the property feels wonderfully private while still offering access to neighborhood amenities. The custom cherry kitchen provides exceptional storage and flows easily into the living and dining areas. Expansive composite decks on both levels create inviting spaces for entertaining or simply enjoying the tranquil setting.The lower level features a spacious primary suite with radiant heated floors, a walk-in closet, and a deep soaking Jacuzzi tub, along with a second bedroom, den, and additional bath.Included in the sale is the adjacent lot, which had approval (current design has expired) for a 2-bedroom septic system, offering flexibility and value. Build a guest cottage, garage with living quarters, studio, or other future improvements, or hold the lot as an investment to potentially sell separately in the future (buyer to verify intended uses).Community ownership includes access to a private boat launch, swimming lake, and clubhouse. A rare opportunity to enjoy privacy, views, and future potential in one exceptional property. If buyer is interested, this home can be sold (mostly) furnished.

2986 Hales Passage Drive, Lummi Island

Listing courtesy of Lummi Island Realty LLC.

$465,000
2 Beds ⋅ 3 Baths ⋅ 2523089 MLS ⋅ ACTIVE Status
Two Lots. Three Levels. Infinite Views. Perched across two expansive lots among the towering evergreens of Lummi Island Scenic Estates, this magnificent three-story coastal retreat commands sweeping, east-facing views of Bellingham Bay and the snow-capped peak of Mt. Baker. Designed to effortlessly merge indoor luxury with outdoor beauty, each of the three distinct levels features its own private deck and dedicated bathroom, offering unmatched privacy and comfort for guests. Light pours into the main living floor, highlighting an inviting, open layout where the kitchen and living spaces take full advantage of the scenery. Upstairs, the spacious primary suite serves as a boutique sanctuary, complete with its own panoramic view deck and a spa-inspired travertine bath. The lower walk-out level is an entertainer’s dream, featuring a massive cinema room with a pull-down projector screen and seamless slider access to nature. Beyond your double-lot estate, exclusive Scenic Estates community amenities await—including a private beach, boat launch, swimming pool, clubhouse, and sports courts. Your ultimate Pacific Northwest island lifestyle has arrived.

2944 Dogwood Terr, Lummi Island

Listing courtesy of Skyline Properties, Inc..

$429,000
3 Beds ⋅ 2 Baths ⋅ 2419481 MLS ⋅ ACTIVE Status
Just reduced! Wake up to Hales Passage views from your primary bedroom at 1207 Beach Ave - a 3-bedroom, 1.5 bath retreat tucked into the evergreens of Lummi Island's Scenic Estates community, on a large .37-acre private lot. The peek a book water views carry into the living areas too, and the patio is where you'll unwind surrounded by mature evergreens with the passage just beyond. At 1,944 sq ft there's room to spread out - 2 full living areas, 2 car garage, enclosed breezeway, skylights, fireplaces, and a layout that works for full-time living, a weekend escape, or as a short-term rental. Scenic Estates include a private boat launch and marina, a freshwater swim lake, clubhouse, and direct beach access - amenities that are rare at this price point in Whatcom County. HOA covers water. The ferry runs frequently and the crossing is just 6 minutes. Easy access to Bellingham, Seattle and Vancouver - and you are somewhere that feels nothing like either city. Room to make it yours, come see it!

1207 Beach Avenue, Lummi Island

Listing courtesy of eXp Realty.

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