North Water Homes with FHA Terms

North Water Homes with FHA Terms

Welcome to the charming neighborhood of North Water in Ellensburg, Washington. Nestled in Kittitas County, North Water offers a serene and family-friendly environment for its residents. With easy access to outdoor recreational activities, top-rated schools, and a strong sense of community, North Water is the perfect place to call home.

Homes in North Water with FHA terms provide a fantastic opportunity for homebuyers looking to secure financing with favorable terms. FHA loans offer low down payments, competitive interest rates, and flexible credit requirements, making homeownership more accessible for first-time buyers and those with less-than-perfect credit.

Whether you're looking for a cozy starter home or a spacious family residence, North Water has a diverse range of properties to suit every lifestyle. From modern townhouses to traditional single-family homes, there's something for everyone in this sought-after neighborhood.

Experience the best of Ellensburg living in North Water, where small-town charm meets modern convenience. Explore the local shops and restaurants, take a leisurely stroll along tree-lined streets, or simply relax in the comfort of your own backyard. Discover the perfect blend of comfort and style in North Water – your ideal place to call home.

Newest North Water Homes with FHA Terms

$419,000
3 Beds ⋅ 2 Baths ⋅ 2575137 MLS ⋅ ACTIVE Status
Clean, well-maintained rambler in a convenient location close to town and I-90. Newer interior paint and vaulted ceilings in the living room create a fresh, open feel. The well-kept front yard features irrigation water and a sprinkler system. New side gates provide easy access to the backyard, which includes fruit trees, a concrete patio off the slider, and a low-maintenance gravel area for your lawn furniture and firepit. A practical, comfortable home that is truly turnkey ready!

311 E Kristen Avenue, Ellensburg

Listing courtesy of RE/MAX, The Collective.

$299,000
3 Beds ⋅ 1 Baths ⋅ 2569237 MLS ⋅ ACTIVE Status
Charming Craftsman just blocks from CWU. This 3-bed, 1 bath is situated in a great location that is only minutes from downtown and schools. This cute home would make a great starter home or investment property. The fridge is brand new, stove new in 2025, and all appliances are included. This home features a metal roof and a large, fenced back yard. The generous 7000 square foot lot includes organic garden beds, roses, plum and pear fruit trees. In 2023 a large 15'x14' storage shed with 3 windows was built. Sold As-Is. Spacious mudroom with abundant storage - ready for your personal updates. Seller is offering a $5k credit at closing due to kitchen floor water damage (kitchen sink leak has been repaired).

307 W 14th Avenue, Ellensburg

Listing courtesy of Keller Williams Western Realty.

$430,000
3 Beds ⋅ 2 Baths ⋅ 2562183 MLS ⋅ ACTIVE Status
Beautifully maintained one-story home offering 1,402 square feet, 3 bedrooms, and 2 full bathrooms in one of Ellensburg's most convenient locations. The open-concept floor plan is filled with natural light and features vaulted ceilings, a spacious living room, and an inviting kitchen with abundant cabinetry and all appliances included—including the washer and dryer. The generous primary suite offers a private full bathroom, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. Recent updates include fresh interior paint and refreshed exterior landscaping, making this home truly move-in ready. Step outside to enjoy a large, fully fenced backyard designed for entertaining and everyday living with a covered patio, athletic court with basketball hoop, playset, covered storage, and irrigation through Cascade Irrigation. Ideally located near Central Washington University, parks, hiking trails, shopping, dining, and quick I-90 access, this home offers an outstanding opportunity for both owner-occupants and investors alike.

2510 N Ellington Street, Ellensburg

Listing courtesy of Windermere Prof Partners.

$324,900
3 Beds ⋅ 2 Baths ⋅ 2555878 MLS ⋅ ACTIVE Status
Looking for comfort, value and potential? Check out this charming 3-bedroom home on a desirable corner lot just one block from the park and minutes from CWU and downtown! This 1,093 sq. ft. home offers several recent updates, including new flooring, fresh interior paint, and the addition of a convenient half bath and utility room. The spacious lot features a fully fenced, tree-shaded backyard with garden space, and cherry tree, providing plenty of room for outdoor enjoyment, pets, or future projects. With great bones, a functional layout, and a prime location, this home presents an excellent opportunity for first-time buyers, investors, someone looking to downsize or anyone looking to add their personal touch. Build equity while enjoying an established neighborhood and an unbeatable location. Bring your vision and make this home shine!

1306 N Water Street, Ellensburg

Listing courtesy of Coldwell Banker Central.

$399,900
3 Beds ⋅ 2 Baths ⋅ 2552689 MLS ⋅ ACTIVE Status
Choose your colors if you're in time! Local builder & NO HOA DUES! New 3 bed/2 bath, 1,365sqft home has a modern space designed w/ comfort & functionality in mind. The quality-built house features solid-wood cabinets, quartz counters, & easy-maint. vinyl plank floors. The primary bed. is spacious & has attached bath w/ walk-in shower & closet, & big dble vanity for getting ready for the day. The kitchen is open to the living/dining areas with a useful breakfast bar/island for a place to sit. A glass slider door lets in natural light & leads you to a fenced back yard & patio for those summer BBQs. A separate laundry room is also a nice feature in this plan. Finished 2-car garage & efficiently heated/cooled w/ mini-split heat pumps. Fiber internet too! Under constr. Completion approximately mid October. Most photos of similar finished home.(Some pictures virtually staged).

2604 N Emery Street, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$399,900
3 Beds ⋅ 2 Baths ⋅ 2551846 MLS ⋅ ACTIVE Status
Choose your colors if you're in time! Local builder & NO HOA DUES! New 3 bed/2 bath, 1,365sqft home has a modern space designed w/ comfort & functionality in mind. The quality-built house features solid-wood cabinets, quartz counters, & easy-maint. vinyl plank floors. The primary bed. is spacious & has attached bath w/ walk-in shower & closet, & big dble vanity for getting ready for the day. The kitchen is open to the living/dining areas with a useful breakfast bar/island for a place to sit. A glass slider door lets in natural light & leads you to a fenced back yard & patio for those summer BBQs. A separate laundry room is also a nice feature in this plan. Finished 2-car garage & efficiently heated/cooled w/ mini-split heat pumps. Fiber internet too! Under constr. Completion approximately mid October. Most photos of similar finished home.(Some pictures virtually staged).

2606 N Emery Street, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$459,000
4 Beds ⋅ 2 Baths ⋅ 2552477 MLS ⋅ ACTIVE Status
Lovingly updated 4-bedroom, 2-bath rambler offering the perfect blend of modern comfort and small-town charm. The open-concept floor plan is filled with natural light and designed for easy everyday living. The inviting great room features an updated kitchen with stainless steel appliances, a cozy eating nook, and a spacious family room anchored by a statement fireplace and ceiling fan.Recent updates include luxury vinyl plank flooring and crisp white-painted doors and millwork, creating a fresh, contemporary feel throughout. The generous primary suite offers a private en suite bath, two walk-in closets, and direct access to the backyard. Enjoy the large, level, fully fenced yard with a storage shed in a desirable Ellensburg neighborhood. Whether you're entertaining, gardening, giving pets room to roam, or simply relaxing outdoors, this versatile space is ready to fit your lifestyle.

107 W 26th Avenue, Ellensburg

Listing courtesy of W Real Estate Services.

$449,000
4 Beds ⋅ 2 Baths ⋅ 2550295 MLS ⋅ ACTIVE Status
It’s rare to find a property that pairs effortless elegance with practical daily function, but this updated 4-bedroom home delivers exactly that. Spanning 1,520 square feet across two levels, the layout features a bright, airy open-concept living and kitchen area designed for flexibility & flow. The newly renovated kitchen is a true centerpiece, tastefully styled with beautiful quartz countertops, functional open shelving, and timeless forest green shaker cabinetry. The main floor offers the easy convenience of a primary bedroom complete w/ a private en suite bathroom featuring quartz vanity and tiled 3/4 shower. Upstairs, you will find three additional comfortable, sunlit guest bedrooms and a full bathroom, providing plenty of versatile space for guests, hobbies, or a quiet home office. Set on a generous 8,989-square-foot lot, the outdoor space is just as functional as the interior. The fully fenced backyard is a secure spot for outdoor activities and relaxation, featuring a large patio for weekend barbecues, an underground sprinkler system to keep the lawn vibrant, and an attached 2-car garage for extra storage and parking. To top it all off, this move-in-ready home is ideally situated just minutes from downtown Ellensburg and Central Washington University.

2417 N Water Street, Ellensburg

Listing courtesy of BHHS Brick & Mortar RE.

$398,000
3 Beds ⋅ 2 Baths ⋅ 2540124 MLS ⋅ ACTIVE Status
NEW PRICE!! Welcome to 105 Joanna Place! This well-maintained 1,536 sq. ft. home offers 3 bedrooms, 2 bathrooms, and a spacious 2-car garage. Recent updates include NEW carpet and fresh interior paint, making this home move-in ready. The functional floor plan provides comfortable living spaces, while central A/C keeps you comfortable year-round. Situated on a quiet cul-de-sac, you'll appreciate the mature landscaping, underground sprinkler system, and partially fenced yard. Enjoy outdoor living from both the covered front patio and covered back patio—perfect for relaxing, entertaining, or enjoying your morning coffee. Conveniently located just minutes from downtown Ellensburg, Central Washington University, local parks, shopping, dining, and everyday amenities, this home offers the perfect blend of comfort, convenience, and value. Whether you're looking for your first home, downsizing, or adding to your investment portfolio, this move-in-ready property is one you won't want to miss.

105 Joanna Place, Ellensburg

Listing courtesy of Larsen Properties Realty LLC.

$399,000
3 Beds ⋅ 2 Baths ⋅ 2524469 MLS ⋅ ACTIVE Status
Spacious 3 bedroom, 2 bathroom, 1389 sqft home in beautiful Ellensburg, WA! Relax in the living room with natural gas fireplace and vaulted ceiling. Entertain in the kitchen and dining area or step outside and BBQ on the patio. The large primary bedroom features an attached on-suite with vanity and shower/tub. Additional features include vinyl plank flooring through out the home, forced air heating and cooling for easy comfort, and fresh exterior paint. Attached 2 car garage for parking, storage, or projects. The fully fenced back yard with underground sprinklers is a blank slate ready to be transformed to your liking. This great location puts you just minutes from schools, hospital, CWU, and downtown Ellensburg!

109 Joanna Place, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$365,000
3 Beds ⋅ 2 Baths ⋅ 2486665 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated 3-bedroom, 1.75-bath home situated on a desirable corner lot on the north end of town. This move-in-ready property features luxury vinyl plank flooring throughout the main living areas and fresh carpet in all bedrooms, creating a warm and modern atmosphere. The kitchen comes fully equipped with all appliances and flows seamlessly into the comfortable living spaces, offering a functional and inviting floor plan. Step outside to enjoy the fully fenced backyard from your patio — perfect for relaxing or entertaining. A storage shed provides added convenience and extra space for tools or outdoor equipment. With its prime location near the university, corner lot setting, and thoughtful updates throughout, this home offers both comfort and convenience. Don’t miss this fantastic opportunity!

608 E Remington Drive, Ellensburg

Listing courtesy of Accolade Properties.

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