Oak Harbor Homes with FHA Terms

Oak Harbor Homes with FHA Terms

Welcome to Oak Harbor, a charming city located in Island County, Washington, US. Known for its picturesque surroundings and friendly community, Oak Harbor offers a peaceful and serene living environment for residents of all ages.

One of the highlights of living in Oak Harbor is the availability of homes with FHA terms. This means that potential homebuyers have the opportunity to purchase their dream home with more flexible financing options, making the home buying process easier and more accessible.

Oak Harbor boasts a variety of real estate options, from cozy single-family homes to spacious waterfront properties, ensuring that there is something for everyone in this vibrant city. Whether you're looking for a quiet retreat or a bustling neighborhood with plenty of amenities, Oak Harbor has it all.

In addition to its beautiful homes, Oak Harbor is also known for its thriving neighborhood. Residents can enjoy a range of local attractions, including parks, restaurants, shops, and community events, creating a strong sense of belonging and camaraderie among neighbors.

If you're looking to settle down in a welcoming community with a range of housing options and the convenience of FHA terms, Oak Harbor is the perfect place to call home. Come and discover all that this charming city has to offer!

Newest Oak Harbor Homes with FHA Terms

$620,000
4 Beds ⋅ 3 Baths ⋅ 2574903 MLS ⋅ ACTIVE Status
Welcome to this beautifully designed 4-bedroom, 2.5-bath home in desirable Harbor Vista Estates, offering neighborhood views toward Mt. Baker and Oak Harbor. A covered front porch welcomes you into a light-filled interior with a comfortable, flowing floor plan. The spacious living room features a gas fireplace and connects easily to the dining area and kitchen, creating an inviting setting for everyday living and entertaining. The kitchen offers granite countertops, stainless steel appliances, bar seating, a butler’s pantry, and new flooring. The main-level primary suite provides a peaceful retreat with dual closets and a spacious five-piece bath. A second bedroom and half bath on the main floor offer flexibility for guests, office space, or multigenerational living. Upstairs, two additional bedrooms and a versatile bonus/flex space provide room to accommodate a variety of needs. Enjoy easy indoor/outdoor living with sliding doors opening to the patio and fenced backyard, complemented by mature landscaping and space for gatherings or quiet relaxation. The attached 3-car garage and extended driveway provide excellent parking and storage, including RV parking. Conveniently located near Oak Harbor amenities, schools, NAS Whidbey Island, and the many recreational opportunities of Whidbey Island.

2140 SW Vista Park Drive, Oak Harbor

Listing courtesy of Acorn Properties, Inc.

$579,999
3 Beds ⋅ 2 Baths ⋅ 2573765 MLS ⋅ ACTIVE Status
Nestled on a corner lot of over 1.25 acres of North Whidbey Island, this solid, well-loved rambler delivers something increasingly rare: real space to spread out — inside and out. The big-ticket updates are already done. New roof, new windows, and an upgraded A/C unit mean you're walking into a home that's been maintained with intention. Inside, 1,668 square feet of single-level living flows from a spacious main living area with vinyl floors through to a functional kitchen with stainless appliances, skylights, and plenty of cabinet storage. Wood-paneled accents and built-ins throughout give the home a warm, grounded character. Step outside and the property really opens up. A large covered sunroom off the back of the house offers year-round outdoor living with views of the expansive, park-like backyard, which is fully fenced with an underground wired dog fence (collars included). The lawn is lush and well-kept, with mature evergreens providing natural privacy on all sides. The detached shop/garage is a standout feature: large enough to house an RV (one in garage is for sale), with room for vehicles, projects, or gear. Whether you're a contractor, outdoors enthusiast, or just someone tired of not having enough space—this building delivers. Carport, high-speed internet, and all the infrastructure you'd want on an acreage of flat, well-kept property. No HOA. Close to NAS Whidbey, shopping, and Oak Harbor schools.

3343 Garfield Court, Oak Harbor

Listing courtesy of COMPASS.

$421,000
3 Beds ⋅ 1 Baths ⋅ 2573965 MLS ⋅ ACTIVE Status
Welcome to 988 Ridgeway Dr! This charming 3-bedroom, 1-bath rambler offers comfortable single-level living with thoughtful updates and exceptional outdoor space. The inviting living room features a cozy gas fireplace, while the kitchen offers oak cabinetry with convenient pull-out drawers and an adjoining dining area with a slider leading to the large deck—perfect for entertaining or enjoying summer evenings outdoors. The updated bathroom adds to the home's move-in-ready appeal. Outside, you'll find a spacious fenced backyard with plenty of room to garden, play, relax, or create your own outdoor retreat. A 16' x 20' powered shop provides valuable workspace and storage, complemented by an additional 10' x 10' shed, covered carport, and RV parking. Situated on approximately .29 acres in an established Oak Harbor neighborhood, this property offers a great combination of indoor comfort, versatile outbuildings, and usable outdoor space. Conveniently located near Fort Nugent Park, shopping, dining, and just a short drive to NAS Whidbey Island. Whether you're looking for your first home, a place with room for hobbies and projects, or simply a property with excellent outdoor potential, 988 Ridgeway Dr is ready to welcome you home.

988 Ridgeway Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$522,500
3 Beds ⋅ 1 Baths ⋅ 2573024 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom home with an incredible outdoor setting! The stylish kitchen features shaker cabinetry, quartz countertops, stainless steel appliances and updated lighting, while the modern bath is conveniently located adjacent to the primary bedroom. Enjoy year-round comfort with high-end double-pane windows and A/C. Gather around the cozy fireplace in the spacious living room or step outside to the showstopping backyard. Fully fenced with charming farmhouse-style hog wire fence panels, this private, terraced retreat offers a large lawn, expansive patio and plenty of space to entertain, garden, play or simply unwind. A 1-car garage plus additional space for RV parking and recreational toys adds versatility. Tucked into a private setting while still convenient to Oak Harbor amenities and not located in the flight path, this property offers beautiful outdoor living, thoughtful updates, zero down payment financing options, and low property taxes—a combination that's hard to find!

1808 Wellington Drive, Oak Harbor

Listing courtesy of John L. Scott Skagit.

$549,000
3 Beds ⋅ 2 Baths ⋅ 2572435 MLS ⋅ ACTIVE Status
Welcome to Woodglen Estates, where a beautifully kept pocket of homes is tucked into the desirable west side of Oak Harbor. This fantastic single-level home offers 3 bedrooms, 2 bathrooms, and a light-drenched living and dining area. Enjoy the living room's propane fireplace during colder months or step out back to the fully-fenced backyard w/ large (and partially covered) back deck. Need more? Newly renovated bathroom, skylights, vaulted ceilings, walk-in pantry, & spacious laundry room. Head out on trail walks just beyond the back fence, take a quick drive to NAS Whidbey, town and amenities, or enjoy nearby parks & beaches. Take advantage of a $5000 credit to update carpets or your own improvements. Homes in this neighborhood are rarely available!

2042 Doe Drive, Oak Harbor

Listing courtesy of Real Broker LLC.

$490,000
2 Beds ⋅ 2 Baths ⋅ 2572374 MLS ⋅ ACTIVE Status
520 SW 4th Ave is a beautifully maintained and extensively updated single-story rambler in one of Oak Harbor's most established and sought-after residential neighborhoods. Located just 0.2 miles from Broadview Elementary and minutes from shopping, dining, NAS Whidbey Island, and the breathtaking beauty of Deception Pass, this property offers the complete Whidbey Island experience. A lush, fully landscaped yard, fresh exterior paint, and classic wood-product siding create an inviting first impression. Inside, you'll discover a thoughtfully designed 1,510 square foot floor plan that lives large, offering two generously sized bedrooms, two updated bathrooms, and an expansive family room. The living room showcases durable LVT floors and an open, airy feel, while the formal dining room flows seamlessly from the kitchen, which features a gas range, oak cabinetry, and included appliances. The flooring is fully updated with LVT, ceramic tile, vinyl, and new carpeting ties.The oversized primary bedroom is a true retreat, complete with a private ensuite bath and direct access to a serene, fenced back patio. Major improvements by the current owners include a new composition roof, all-new attic and crawlspace insulation, modern interior doors, and a highly efficient mini-split HVAC system providing year-round heating and air conditioning

520 SW 4th Avenue SW, Oak Harbor

Listing courtesy of William E. Johnson.

$499,725
3 Beds ⋅ 3 Baths ⋅ 2568899 MLS ⋅ ACTIVE Status
Enjoy sunsets & westerly views of Cranberry Lake & San Juan Islands in this beautiful home offering 3 spacious bedrooms + a dedicated office. A large lower-level bonus room features its own private 3/4 bath, WIC & separate entry from the garage—offering flexibility for a potential primary suite, guest quarters, multigenerational living, or other living needs. Recent updates include Renewal by Andersen windows, new roof, new deck & SS appliances. The generous lot provides room for RV/boat parking & a charming treehouse for outdoor enjoyment. Deception View Park residents enjoy a community park and a walking path connecting directly to Deception Pass State Park—perfect for hiking, exploring, and enjoying the Pacific Northwest lifestyle.

637 Cranberry Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$399,999
3 Beds ⋅ 2 Baths ⋅ 2557544 MLS ⋅ ACTIVE Status
FIND MORE SPACE AT A PRICE THAT MAKES HOMEOWNERSHIP WITHIN REACH. Set on nearly half an acre at the end of a quiet cul-de-sac, this 3-bedroom, 2-bath Oak Harbor rambler combines wooded privacy, one-level living and convenient access to town. Fresh interior paint brightens the home, while the functional layout gives you the opportunity to choose new flooring and add your own style. Outside, enjoy room to garden, play or relax around the backyard fire pit, all surrounded by mature trees. Located less than 15 minutes from NAS Whidbey, downtown Oak Harbor, schools, shopping and restaurants, you'll have an easy commute while coming home to a peaceful setting. BUYERS ASK: Looking for an Oak Harbor home with more outdoor space? This property offers .437 acre in a wooded setting. Want privacy without being far from town? Enjoy a low-traffic cul-de-sac with everyday conveniences nearby. Looking for a home you can personalize? Fresh paint provides a great start, with the opportunity to select flooring and finishes that fit your style. Come see the value, space and possibilities for yourself.

4511 Woodland Circle, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$515,000
4 Beds ⋅ 3 Baths ⋅ 2562101 MLS ⋅ ACTIVE Status
Spacious 4-bedroom, 3-bath split-level home on a desirable corner lot with beautiful views of Oak Harbor and the bay. Updated kitchen cabinetry w/ mobile island & covered deck off the dining room make everyday living & entertaining a breeze. Fully fenced for privacy with direct access to community greenbelt just beyond the backyard, the lot offers plentiful garden spaces & abundant storage. The lower level features a 3/4 bath, additional living space & bedroom—ideal for multigenerational living/guest quarters or added rental income. This property offers incredible potential to customize and make it your own in a sought-after location with scenic surroundings. Centrally located near shops, schools, restaurants & NAS Whidbey.

1127 SW Fairhaven Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$838,000
4 Beds ⋅ 3 Baths ⋅ 2558891 MLS ⋅ ACTIVE Status
Nestled on 2.27 private acres of lush, open grounds, this beautiful four-year-old home offers the tranquility of country living just minutes from city conveniences. The inviting living room flows seamlessly into the stunning chef's kitchen, featuring dual ovens, a large gas cooktop, solid surface countertops, abundant cabinetry, a spacious center island, and an adjoining dining area perfect for gathering and entertaining. The main-level primary suite provides a peaceful retreat with a walk-in closet and a luxurious ensuite bath featuring a jetted tub. Upstairs, you'll find three additional bedrooms, including one with a private balcony, a generous bonus room, and a full bath, offering flexible living space for guests or a home office. Step outside to a large deck designed for outdoor entertaining while enjoying the peaceful surroundings. Additional features include a spacious two-car garage, heat pump, wired gas on-demand generator, and wiring for an electric vehicle charger. A rare opportunity to enjoy privacy, space, and modern conveniences in one exceptional property. This is a must-see!

1012 Star Flower Road, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$599,900
3 Beds ⋅ 3 Baths ⋅ 2554550 MLS ⋅ ACTIVE Status
Beautifully refreshed and move-in ready, this inviting home offers the perfect blend of comfort, privacy, and modern convenience in one of Oak Harbor's most desirable neighborhoods. Tucked away on a quiet dead-end street, the mature landscaping, colorful gardens, and wooded backdrop create a peaceful setting with exceptional privacy. Inside, real hardwood floors add timeless character, while the open floor plan is thoughtfully designed for modern living. The Kitchen features real wood cabinetry, stone countertops and a pantry, while the welcoming living room is centered around a cozy gas fireplace, creating the perfect gathering space year-round. Upstairs, The spacious primary suite offers a relaxing retreat with a five-piece ensuite bath, dual vanities, and generous closet space, while the additional bedrooms provide flexibility for guests, hobbies, or a home office. Step outside to the back deck overlooking the peaceful wooded setting and enjoy the fully fenced backyard—ideal for entertaining, pets, or simply relaxing. A spacious two-car garage provides ample room for parking, storage, and projects. Conveniently located near NAS Whidbey, the Whidbey Island Golf Club, parks, walking trails, shopping, and everyday amenities, this exceptional home offers the perfect balance of tranquility, quality, and convenience.

3008 SW Berwick Drive, Oak Harbor

Listing courtesy of Redfin.

$850,000
3 Beds ⋅ 3 Baths ⋅ 2557028 MLS ⋅ ACTIVE Status
Discover the perfect blend of peaceful country living and everyday convenience on this exceptional +|- 4.93-acre equestrian property. Designed with horse enthusiasts in mind, the level acreage features approximately 2 acres of fenced pasture, a run-in shelter, garden space, fruit trees, and room to roam. Enjoy beautiful bay, mountain, and territorial views from the front of the home. Inside, soaring vaulted ceilings, abundant natural light, hardwood floors, and a cozy gas fireplace create a warm and inviting atmosphere. The spacious kitchen offers generous prep space and opens to the living and dining areas, making entertaining effortless. The primary suite features a private bath with jetted tub and walk-in closet. Complete with a 3-car garage, RV parking, deck, patio, and located just across from NAS Whidbey and minutes from downtown Oak Harbor, this property offers the ideal balance of privacy, functionality, and convenience.

130 W Crescent Harbor Road, Oak Harbor

Listing courtesy of RE/MAX Gateway.

Start Your Search
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.