Mercer Island Homes with Conventional Terms

Mercer Island Homes with Conventional Terms

Located in the picturesque region of Mercer Island, Washington, this neighborhood offers a delightful blend of natural beauty, convenient amenities, and a strong sense of community. Situated in King County, just a short drive from Seattle, Mercer Island is a highly sought-after area for those looking for a peaceful and family-friendly environment.

One of the key attractions of Mercer Island is its stunning surroundings. Nestled between Lake Washington and Lake Mercer, residents can enjoy breathtaking views and easy access to water activities such as boating, fishing, and swimming. The island is also home to several parks and green spaces, providing ample opportunities for outdoor recreation and relaxation.

In terms of housing, Mercer Island offers a range of options to suit various preferences and budgets. Whether you are looking for a cozy single-family home or a luxurious waterfront property, there are plenty of choices available. The neighborhood boasts a mix of architectural styles, from modern and contemporary designs to charming traditional homes.

For those seeking a conventional home-buying experience, Mercer Island has numerous properties available with conventional terms. This means that buyers can secure a mortgage with standard lending criteria, making the process straightforward and familiar. Whether you are a first-time buyer or an experienced homeowner, the neighborhood offers a variety of homes that can be purchased through traditional financing options.

With its idyllic setting, strong sense of community, and a range of housing options, Mercer Island is an excellent choice for those looking to settle down in a welcoming and beautiful neighborhood.

Newest Mercer Island Homes with Conventional Terms

$839,995
2 Beds ⋅ 2 Baths ⋅ 2560824 MLS ⋅ ACTIVE Status
Enjoy the rare convenience of true step-free access from parking to your front door in this beautifully remodeled end-unit condo in the coveted Islandaire community on Mercer Island. Offering 1,541 sq ft of spacious single-level living, this move-in-ready home delivers comfort, style, and an unbeatable location just moments from Mercer Island Town Center, Met Market, restaurants, coffee shops, parks, scenic trails, and the Mercer Island Light Rail Station—making it easy to enjoy the best of island living with exceptional everyday convenience. The open floor plan features a remodeled kitchen with quartz countertops, stainless steel appliances, and luxury vinyl plank flooring, plus updated bathrooms and expansive living and dining areas. Oversized windows flood the home with natural light, while the large covered balcony overlooks the community pool and offers peaceful territorial views. Two spacious, king-sized bedrooms include a private primary suite with en-suite bath. Every detail has been thoughtfully updated for stylish, low-maintenance living. Islandaire is one of Mercer Island's few communities with a beautiful outdoor pool, perfect for summer. Pet-friendly and surrounded by trails, this exceptional home offers single-level living, desirable amenities, low HOA dues, and a premier Mercer Island location.

2920 76th Avenue SE Unit #211, Mercer Island

Listing courtesy of Windermere Bellevue Commons.

$1,850,000
4 Beds ⋅ 3 Baths ⋅ 2567417 MLS ⋅ ACTIVE Status
Turnkey and extensively remodeled, this beautifully refreshed Mid-Island Mercer Island home offers exceptional quality, comfort and sophisticated modern living. Set on a generous 9,600-SF lot, the 2,495sf residence features 4 bedrooms, 2.5 baths, a spacious 2-car garage and an inviting, light-filled floor plan. The 2024 remodel transformed the interior with an updated kitchen, remodeled powder room and two upstairs baths, newer appliances, interior doors, lighting and fresh paint throughout. Newer premium Milgard triple-pane windows make the interior very quiet & thermally comfortable. Newer main entry & sliding back door & all new trims. Additional upgrades include attic insulation, a mini-split heat pump, newer staircase steps, LVP flooring upstairs, Level II EV charger. The fully fenced & private backyard features mature landscaping, a newer south-side fence, parking pad, low-voltage lighting, updated retaining-wall/walkway elements. Permit ready plan to expand 400sf southward with 2 additional ensuite bathrooms and bigger bedrooms. Quality built home to keep the maintenance cost very low in the past 10 years. Centrally located near top schools, parks, trails, shopping, dining, I-90 & light rail, with easy access to Seattle and Bellevue. A rare opportunity to own a substantially upgraded & move-in ready home.

8430 SE 45th Street, Mercer Island

Listing courtesy of WeLakeside.

$1,998,000
5 Beds ⋅ 3 Baths ⋅ 2567816 MLS ⋅ ACTIVE Status
Mid-century modern style meets a fresh, sophisticated renovation in this beautifully reimagined Mercer Island home. Thoughtfully updated throughout, this 4-bedroom, 3-bath residence blends timeless architecture with modern comfort and effortless indoor-outdoor living. The light-filled main level features an inviting open layout, remodeled kitchen with gas cooktop, beautifully updated baths, and new windows that enhance the home’s clean lines and natural light. Downstairs, a flexible bonus space with a closet offers the option for a 5th bedroom, guest suite, home office, gym, or media room—easily enclosed with barn doors or a wall for additional privacy. Extensive improvements include a new roof in 2023, lined sewer line with a portion replaced, and an attached 2-car garage. Outside, enjoy a rare flat backyard and expansive deck ideal for summer dinners, entertaining, play, or simply relaxing. Ideally located with convenient access to Mercer Island schools, I-90, Seattle, and the Eastside. Completely remodeled and move-in ready, this is classic mid-century character reimagined for the way you live today.

4102 96th Avenue SE, Mercer Island

Listing courtesy of Realogics Sotheby's Int'l Rlty.

$4,600,000
5 Beds ⋅ 6 Baths ⋅ 2564420 MLS ⋅ ACTIVE Status
From the moment you enter this magnificent home, you will be enchanted by its blend of classic elegance, custom quality and modern ease. A soaring foyer and sun-drenched interiors dressed in natural marble, slate, cherry, walnut, and alder finishes. The fireside living room and adjacent dining area gracefully accommodate gatherings with their glittering chandeliers, exquisite millwork, & beautiful built-in buffet. Beyond, a well-appointed great room forms the heart of the home with a cozy fireplace flanked by lovely built-ins plus an informal dining area, all flowing to the grand kitchen. Dual Miele dishwashers, Viking 6-burner range, built-in SubZero, walk-in pantry, & planning desk make it easy to host a crowd. Open the garden doors for parties on the private deck and level lawn while you grill at the covered barbecue station. The fun continues downstairs in the generous rec room, nearby bonus room, & wine cellar. At the end of the day, your owner's suite is a true retreat offering sparkling lake views, a romantic fireplace, dual walk-in closets, & a luxurious jetted soaking tub. Four more bedrooms + a main floor office with en-suite bath (or potential guest suite) provide ample flex space. Extras include central A/C, built-in audio, a safe & an oversized 3-car garage with storage. Just a stroll away from 2 public lake areas for swimming & picnicking, downtown shops, dining, Luther Burbank Park, Lid Park, and the new Light Rail. Amazing lifestyle & walkability!

2212 77th Avenue SE, Mercer Island

Listing courtesy of Windermere Mercer Island.

$395,000
1 Beds ⋅ 2 Baths ⋅ 2564041 MLS ⋅ ACTIVE Status
Light-filled and move-in ready, this inviting 2-bedroom, 1.5-bath Mercer Island condominium offers comfort, convenience, and an exceptional location. Fresh interior paint and new carpet create a clean, updated feeling throughout. The spacious living room is anchored by a cozy wood-burning fireplace and a dramatic wall of windows that floods the home with natural light while opening to an expansive sun terrace—perfect for morning coffee, outdoor dining, or simply enjoying the peaceful treed outlook. The functional kitchen offers new stainless-steel appliances, ample storage, and workspace. The thoughtful floor plan provides comfortable everyday living and an assigned parking space for added convenience. Ideally situated just moments from Mercer Island's vibrant town center, shops, restaurants, parks, and the Link Light Rail station, you'll enjoy a highly walkable lifestyle with easy access to both Seattle and Bellevue. A wonderful opportunity to enjoy the best of Mercer Island living!

2500 81st Avenue SE Unit #351, Mercer Island

Listing courtesy of Coldwell Banker Bain.

$3,350,000
6 Beds ⋅ 4 Baths ⋅ 2561842 MLS ⋅ ACTIVE Status
Custom-built and extensively remodeled, this exceptional home captures sweeping views of Lake Washington, the Seattle skyline and Olympic Mountains from nearly every room. Dramatic vaulted ceilings with exposed beams and walls of windows create light-filled living spaces designed to embrace the views. Thoughtfully designed floor plan offers generous main-level living with the primary suite, expansive entertaining spaces and seamless access to the view deck, while an elevator provides convenient access between both levels. The lower level features a spacious recreation room, four additional bedrooms and flexible living spaces ideal for guests, work or hobbies. Set on over a half-acre of beautifully landscaped, low-maintenance grounds, this private retreat offers rare peace and tranquility just minutes from everything Mercer Island has to offer. An incredible setting for year-round sunsets and front-row views of the Blue Angels.

8430 SE 53rd Place, Mercer Island

Listing courtesy of COMPASS.

$1,750,000
4 Beds ⋅ 3 Baths ⋅ 2559621 MLS ⋅ ACTIVE Status
Ideally situated on Mercer Island's sought-after south end, this beautifully refreshed 4-bedroom, 2.5-bath home offers the perfect blend of privacy, comfort, and everyday convenience. A gracious entrance sits above the street and welcomes you home. Bathed in natural light, the dramatic living room showcases soaring vaulted ceilings and stunning floor-to-ceiling cathedral windows that frame peaceful views of the surrounding trees, creating a warm and welcoming first impression. Fresh interior and exterior paint, new kitchen appliances, and move-in-ready condition make settling in effortless. The primary suite is a true retreat, complete with a walk-in closet and private bath. Three bedrooms on the main level provide ideal functionality, while the lower level features a fourth bedroom and an expansive recreation room ready for movie nights, game days, or a quiet reading escape. Just off the dining room, a private deck offers a tranquil outdoor retreat—perfect for al fresco dining, morning coffee, or unwinding on a cozy sofa surrounded by nature. The serene backyard provides even more space to entertain, play, or simply relax in complete privacy. With a two-car garage, generous living spaces, and close proximity to top-rated schools, parks, and the south end shopping center, this home offers the Mercer Island lifestyle at its best.

6560 81st Avenue SE, Mercer Island

Listing courtesy of Windermere Mercer Island.

$5,880,000
5 Beds ⋅ 6 Baths ⋅ 2543686 MLS ⋅ ACTIVE Status
An extraordinary gated estate in coveted West Mercer showcasing breathtaking 180° views of Lake Washington, the Seattle skyline & unforgettable sunsets. Extensively upgraded with a fully integrated smart home system, this exceptional residence blends timeless craftsmanship with modern luxury. The gourmet chef's kitchen features premium appliances & Cantina folding doors opening to covered outdoor living for seamless year-round indoor-outdoor entertaining. Multiple view decks, including a private two-level terrace off the luxurious primary suite, create spectacular spaces to relax & entertain. Main level office, family room & golf simulator lounge. Upstairs offers 3 additional ensuite bedrooms. Walkout lower level features no-stair private access, a spacious rec room, media room, temperature-controlled wine cellar, full kitchenette, 2nd laundry & an ideal MIL/guest suite for multigenerational living. Professionally upgraded with Control4 automation, Lutron shades, California Closets, golf simulator & designer finishes throughout. Enjoy front-row views of Seattle's iconic Seafair & Blue Angels from the privacy of your own home. Additional 3-car garage with fitness area. Just minutes from Bellevue & Seattle, this Mercer Island masterpiece offers spectacular views, outstanding amenities, top-rated schools, & the rare combination of privacy, views, cutting-edge technology, timeless craftsmanship, luxury, & convenience—an extraordinary place to call home for generations to come.

3410 W Mercer Way, Mercer Island

Listing courtesy of Windermere Bellevue Commons.

$2,800,000
4 Beds ⋅ 4 Baths ⋅ 2545918 MLS ⋅ ACTIVE Status
Nestled in Mercer Island's coveted East Seattle neighborhood, this beautifully updated residence with an effective year built of 2010 blends timeless elegance with modern luxury, showcasing designer finishes throughout. A dramatic vaulted living room filled in natural light creates an open, airy, and inviting atmosphere. Enjoy stunning westerly views of Lake Washington from the living room, gourmet chef's kitchen, and the all-season outdoor entertaining area featuring a built-in BBQ, heaters, and gorgeous Brazilian hardwood decks. Upstairs, the luxurious primary suite offers its own private view deck, a spacious walk-in closet, and a spa-inspired five-piece ensuite bath. Situated on a lushly landscaped 0.28-acre lot with mature fruit trees, vibrant gardens, and a peaceful, private setting, the property also features an oversized driveway and an approximately 760 sq ft garage, providing ample parking and storage. Located in the highly acclaimed Mercer Island School District, one of Washington's top school districts, with convenient access to I-90, Downtown Seattle, and Bellevue.

3225 W Mercer Way, Mercer Island

Listing courtesy of Whisper Real Estate.

$2,549,000
4 Beds ⋅ 3 Baths ⋅ 2544498 MLS ⋅ ACTIVE Status
Lake & mountain views set the stage for this fantastic Mercer Island home. Upon entering, you are greeted by a light-filled entry that immediately draws you to the views beyond. Designed to showcase the scenery, the home offers spacious living areas, a large kitchen, & a covered deck that extends everyday living outdoors, rain or shine. The main-floor primary suite offers convenience & peaceful lake views, while a handsome wood-paneled office with custom built-in shelving provides an inviting & functional work-from-home retreat or can be easily converted to a 2nd main-floor bedroom. The lower-level features three additional bedrooms, a spacious family room, & a massive storage area, offering flexibility for guests, recreation, hobbies, or future needs. Fresh exterior paint adds to the home's welcoming presence. Rarely do views, location, and livability come together so seamlessly in one of Mercer Island's most cherished neighborhoods, where pride of ownership is evident throughout. This desirable North End location offers easy access to I-90, Seattle, and Bellevue, as well as to Mercer Island's highly regarded schools. Nearby is the private Mercerwood Shore Club with beach and pool amenities. Comfortable and well-maintained, this home presents a wonderful opportunity to update and personalize over time while enjoying the views, generous floor plan, & sought-after location. A rare chance to make this Mercerwood retreat your own & enjoy the best of Mercer Island living!

4232 Shoreclub Drive, Mercer Island

Listing courtesy of Coldwell Banker Bain.

$4,399,995
5 Beds ⋅ 5 Baths ⋅ 2543096 MLS ⋅ ACTIVE Status
Brand new construction, west facing home just completed by American Classic Homes; headquartered on Mercer Island and one of the region's most respected builders for over 30 years. The Oakmont plan is a phenomenal layout that blends traditional design best practices with modern living. From the moment you step through the foyer you'll be captivated by the double height wall of windows that bathe the home in natural light but still offers complete privacy from surrounding homes. The great room is comfortable and welcoming with a gracious dining area and stunning primary kitchen tailormade for hosting with an additional scullery style secondary kitchen perfect for catering, entertaining, and baking. Main floor working den is large and bright with a full suite for loved ones and extended guests. Upper floor has a hard to find 4 bedrooms on the same level with a large bonus and media room perfect for movie and game nights. Primary suite has vaulted ceilings with spa-inspired 5-piece bathroom and custom built-in walk-in closet. Just a few steps away to bus stop that will take you straight to the newly opened Eastlink light rail system just minutes away for daily commuting and airport runs and truly the best way to get to a Mariners or Seahawks game. Two blocks to award winning Mercer Island High School, Northwood Elem, and Boys & Girls Club with several great private schools just minutes away. Come and experience the craftsmanship that only decades of experience can produce.

4024 85th Avenue SE, Mercer Island

Listing courtesy of COMPASS.

$2,195,000
4 Beds ⋅ 3 Baths ⋅ 2541783 MLS ⋅ ACTIVE Status
$100K price improvement! All the best of Mercer Island is at your fingertips. Just a short stroll from the Mercer Island Country Club, stores, restaurants, & parks, this completely updated 2,970-sq-ft classic Northwest home brings effortless South End convenience to life. Fresh interior & exterior paint pair w/ all-new designer landscaping to deliver striking curb appeal. Inside, soaring vaulted ceilings & gleaming hardwoods establish an immediate sense of scale. The heart of the home is a beautifully refreshed eat-in kitchen, anchored by its own fireplace & fully equipped w/ granite counters, gas cooking, s/s apps, & built-in desk. This vibrant culinary space opens directly to the dining area, where sliding glass doors invite you out to an expansive deck overlooking a fully fenced backyard wonderland. Transitioning naturally from the dining room, a grand family room features a 2nd fireplace & picturesque windows that frame streams of natural light. Down the hall, find a quiet retreat in 3 main-level bedrooms, incl. a serene primary suite w/ vaulted ceiling & private 3/4 bath. The lower level serves as an exceptional secondary living domain, featuring a 4th bed, family rm w/ 3rd fp, versatile bonus rm, laundry area, lower-level kitchen, & full bath w/ quartz counters. Sliding glass doors open to a covered patio & sprawling yard. Minutes to local elementary & middle schools, this move-in-ready home is waiting for you to come fall in love & start your next great adventure!

7235 87th Avenue SE, Mercer Island

Listing courtesy of Redfin.

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