Ocean Shores Homes with FHA Terms

Ocean Shores Homes with FHA Terms

Ocean Shores, located in Grays Harbor County, Washington, is a charming coastal city that offers a unique blend of natural beauty and modern amenities. Situated along the picturesque shores of the Pacific Ocean, this seaside community is known for its stunning beaches, abundant wildlife, and outdoor recreational opportunities.

With its close proximity to major cities like Seattle and Portland, Ocean Shores provides a perfect escape from the hustle and bustle of urban life. The city boasts a range of amenities, including restaurants, shops, and entertainment venues, ensuring that residents have everything they need within reach.

For those looking to purchase a home in Ocean Shores, the availability of FHA terms is a significant advantage. FHA loans are backed by the Federal Housing Administration, making them an attractive option for first-time homebuyers or those with lower credit scores. These loans offer competitive interest rates and flexible down payment options, making homeownership more accessible to a wider range of individuals.

Whether you're seeking a cozy beach cottage or a spacious waterfront property, Ocean Shores has a diverse range of homes to suit every taste and budget. From charming bungalows nestled among the dunes to luxurious oceanfront estates with panoramic views, there is a home for everyone in this coastal paradise.

So, if you're dreaming of living by the sea and enjoying a relaxed coastal lifestyle, Ocean Shores offers the perfect blend of natural beauty, community amenities, and FHA terms to make your dream of homeownership a reality.

Newest Ocean Shores Homes with FHA Terms

$399,950
2 Beds ⋅ 2 Baths ⋅ 2576269 MLS ⋅ ACTIVE Status
Immaculate & beautifully maintained 2+ bedroom, 2-bath home, Backing directly to the natural beauty of Weatherwax, this property offers a rare sense of privacy while still being just minutes from the beach. Inside, you'll find a bright & inviting open-concept floor plan filled with natural light from expansive windows. Kitchen features timeless white cabinetry, abundant counter space, generous storage, & flows seamlessly into the dining and living areas, making it perfect for everyday living. Living room showcases soaring vaulted ceilings & cozy fireplace, creating a warm atmosphere year-round. Spacious primary suite offers private retreat with en-suite bath & direct access to the backyard, allowing you to enjoy peaceful mornings overlooking the natural surroundings. Generously sized second bed with ample closet space is located down the hall, while the versatile bonus room above the garage provides ideal space for guests, home office, hobby room, or potential third bed. Second full bath is located on the main level. Outside, enjoy the covered front porch, a fully fenced backyard, RV hookup, EV charger, & tranquility of having no immediate rear neighbors. Whether you're looking for a full-time residence, weekend getaway, or turnkey vacation home, this home checks every box. Located just a short drive or bike ride to Ocean Shores' sandy beaches, Damon Point, Duck Lake, the Ocean Shores Golf Course, community parks, & miles of walking and biking trails. Sold fully furnished.

378 Eridani Loop SE, Ocean Shores

Listing courtesy of John L. Scott, Inc..

$535,000
5 Beds ⋅ 3 Baths ⋅ 2574307 MLS ⋅ ACTIVE Status
Click the Virtual Tour link to view the 3D walkthrough. Discounted rate options and no lender fee future refinancing may be available for qualified buyers of this home.

479 SW Sportsmen, Ocean Shores

Listing courtesy of Orchard Brokerage, LLC.

$445,000
3 Beds ⋅ 3 Baths ⋅ 2574534 MLS ⋅ ACTIVE Status
Freshly updated and renovated, ready for new owners! This house is located in a cul-de-sac right near Duck Lake parks & boat launches, in the quiet part of the Ocean Shores peninsula. On the main level there are 2 bedrooms-one that can be used as second primary with 3/4 ensuite bath, a shared full bath, living room, dining room & kitchen. The spacious primary suite is above the garage with vaulted ceilings & skylights, a large deck, 3/4 bathroom. Fresh & new features include: interior paint, fixtures, flooring, appliances, heaters, electric fireplace, exterior paint, landscaping, kitchen cabinets, front porch, deck off primary. This home could work well for full time living or a 2nd home at the beach, new owners will enjoy amenities of the OS Community club.

616 Aster Court SE, Ocean Shores

Listing courtesy of Spivey Realty Group, LLC.

$320,000
2 Beds ⋅ 1 Baths ⋅ 2570524 MLS ⋅ ACTIVE Status
Experience the best of coastal living in this beautiful 2-bedroom, 1-bath beach home, perfectly situated between Point Brown and Wawona. This newer home features inviting open-concept living with vaulted ceilings and an abundance of natural light streaming through oversized windows. The stylish kitchen is equipped with stainless steel appliances and granite countertops, making it ideal for both everyday living and entertaining. Enjoy easy access to Marine View, with the ocean beach and jetty just a short stroll away. Spend the day exploring Oyhut Bay’s coastal dining and activities or discover the beaches and trails of Damon Point, all just minutes from home. The level, spacious yard is ready for your vision—perfect for gardening, landscaping, outdoor gatherings, or creating your own private coastal retreat.

943 Silver King Avenue SE, Ocean Shores

Listing courtesy of Matin Real Estate.

$300,000
2 Beds ⋅ 1 Baths ⋅ 2575064 MLS ⋅ ACTIVE Status
Move in ready, easy to own, easy to maintain and designed for year-round coastal living. This thoughtfully built NW Contemporary home offers bright, comfortable living on a quiet street, with convenient access to the beach and downtown Ocean Shores. Built with the Pacific Northwest climate in mind, the home features durable, low-maintenance materials including cement plank siding and trim, aluminum fascia covers and premium acrylic exterior paint. Inside, the open-concept living area feels bright and spacious, with tall vaulted ceilings and southern-facing highlight windows designed to bring in natural light during the darker winter months. Quality finishes include: luxury vinyl plank flooring, upgraded Quartz slab countertops, soft-close cabinetry, electric fireplace, ductless heat pump for efficient heating and cooling, fully tiled step-in shower, separate soaking tub and dedicated laundry room. Outside, enjoy the natural beauty and wildlife of the Ocean Shores Peninsula. A generous driveway provides ample parking, while full RV hookups with 50-amp power add flexibility for guests and recreational use. Ideal as a full-time residence, weekend retreat or lock-and-leave second home - comfortable coastal living without the upkeep of a larger property.

435 Orion Avenue SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$319,000
2 Beds ⋅ 2 Baths ⋅ 2573833 MLS ⋅ ACTIVE Status
NEW, quality construction, tucked away on the jetty with a spacious primary suite & second bedroom plus additional bathroom. Spacious living/dining areas drenched in natural sunlight. Entertainers’ kitchen includes beautiful stainless-steel appliances, luxurious island with slab countertop with plenty workspace to craft your next creation or relax while enjoying the glistening sunrays dance through sliding door. Turnkey with furnishings, get ready to enjoy ocean beach life! Easy maintenance wide vinyl plank flooring in living areas, tile in both bathrooms, soft close cabinetry throughout, LED lighting, high efficiency heat plus cooling (A/C mini split). Each room individually climate controlled via high efficiency wall heaters. Ready to go laundry nook includes washer & dryer. Savor natural beauty with local territorial front row views of the local deer passing through with their young. Sit back & relax in the expansive covered deck - Sip a morning coffee or enjoy a BBQ while the trade-wind or a subtle breeze uplifts and refreshes. Large, corner lot offers plenty space & versatility. Non-busy street, yet a short 13min drive brings you to local shops, pubs, restaurants. Comes with plenty of parking: 1-car garage plus driveway accommodates 3 spaces with additional RV parking. In OS Community Club with access to clubhouse, golfing, boat launch access and more! What a cozy ocean beach retreat!

1401 Diamond Head Avenue SW, Ocean Shores

Listing courtesy of The Preview Group.

$234,999
1 Beds ⋅ 1 Baths ⋅ 2574024 MLS ⋅ ACTIVE Status
INVESTMENT OPPORTUNITY! Coastal living is calling! This oceanfront end-unit condo offers an incredible opportunity to enjoy life just steps from the sandy shores of the Pacific. Inside, you'll find a spacious, open living area with plenty of room to relax or entertain, along with a functional kitchen featuring generous counter space and a convenient eating bar. Step outside onto your private balcony with glass railing and take in the peaceful coastal surroundings, fresh ocean air, and beautiful skies. Two nearby paths provide easy access directly to the beach, making morning walks, sunset strolls, and days by the water effortless. A stackable washer and dryer adds everyday convenience. Whether you're searching for a full-time coastal home, weekend getaway, or investment opportunity, this well-maintained end unit puts the best of beach living right outside your door. Brand New carpets installed!

1335 SW Ocean Shores Boulevard SW Unit #S34, Ocean Shores

Listing courtesy of Coastal Collective Real Estate.

$470,000
2 Beds ⋅ 1 Baths ⋅ 2573314 MLS ⋅ ACTIVE Status
Welcome Home to This Income-Producing Waterfront Property in Ocean Shores! Situated in the highly sought-after Ocean Shores Overnight Rental Zone, this commercially zoned property offers endless opportunities. Currently operating as a successful Airbnb, this home can continue generating income for you or serve as your permanent residence. Enjoy breathtaking water views from every window, with the stunning Grand Canal and bay as your backdrop. The massive three-car garage provides ample space for your boat, water toys, and more. Step outside to your private dock, perfect for boating, swimming, or simply relaxing by the water.Conveniently located close to the ocean, beach, and town, this property is a gateway to coastal living at its finest

1006 Point Brown Avenue SE, Ocean Shores

Listing courtesy of Skyline Properties, Inc..

$365,000
3 Beds ⋅ 2 Baths ⋅ 2571979 MLS ⋅ ACTIVE Status
Beach living in Ocean Shores! Located just across from the dunes and Pacific Ocean, this 3 bedroom, 2 bath home offers 1,480 sq ft and plenty of that classic beach house feel. Step inside to an open living, dining and kitchen area with vaulted ceilings, a wood stove and large front windows that bring in tons of natural light. Two bedrooms and a full bath are located on the main floor, while the upstairs primary suite gives you your own space along with views toward the ocean.Sit out on the front porch with your morning coffee, watch the sunsets, or head out to one of the nearby beach entrances and spend the day on the sand. The fenced yard and gated driveway give you plenty of room outside, plus a garage and RV parking.Located on the quieter south end of Ocean Shores near the North Jetty, Damon Point, parks, beach access and miles of coastline to explore. Home is in the Ocean Shores Community Club, with amenities throughout town including indoor and outdoor pools, hot tub, saunas, fitness room, basketball and tennis courts, pickleball, playgrounds, parks and more.Whether you're looking for a full time home, weekend getaway or your own place at the beach, this one has so much to offer!

1050 Ocean Shores Boulevard, Ocean Shores

Listing courtesy of CENTURY 21 Real Estate Center.

$195,000
2572792 MLS ⋅ ACTIVE Status
Come discover this lovely lakefront lot on desirable Lake Minard! Located in a small beach community, you can slow down, relax, and enjoy the outdoors. Lot fully equipped with all utilities, ready for rv hookup. Put in your canoe from your own deep water dock and paddle the lake or our 23 miles of canal waterways. Full utilities means camping for up to 120 days, making it an ideal spot for summer getaways, weekend retreats, and enjoying peaceful time by the water. It's just a short 5-minute drive to the beach, giving you the perfect combination of quiet lakefront living AND easy access to the coast. Come discover all that Ocean Shores has to offer from dining, shopping and entertainment to our world class fishing. If you’ve been looking for an affordable place to escape, camp, and create lasting memories, this could be the one! Or bring your plans to build a fabulous lake-front home. Contact us for more information or to schedule a viewing.

900 Texmar Avenue SW, Ocean Shores

Listing courtesy of Ballpark Realty.

$349,000
3 Beds ⋅ 2 Baths ⋅ 2558526 MLS ⋅ ACTIVE Status
Bring your golf clubs and enjoy this beautifully maintained three-bedroom, 1 3/4-bath home located directly on the Ocean Shores Golf Course just off the 8th tee. Enter through the formal foyer and step into the spacious open-concept living area featuring large windows with golf course views propane fireplace and NEW carpeting throughout.The generous kitchen offers title flooring large granite island with ample storage black appliances—including a new range beverage refrigerator dishwasher and side-by-side refrigerator. Two guest bedrooms share a conveniently located central full bath with custom granite vanity and additional storage. Private primary suite is located at the rear of the home and features a convenient half bath with custom granite vanity and upgrade lighting. The oversized two-car garage includes a dedicated laundry additional workshop space and a shower-perfect after an afternoon at the beach. Outdoors enjoy a fully fenced backyard, enclosed greenhouse, and a landscaped private corner with a concrete hot tub pad and electrical hookup. The front yard features attractive landscaping two electrically equipped storage sheds and RV parking with full hookups. Recent improvements include a NEW ROOF and new carpeting in 2026 and windows installed approximately three years ago. Ideally situated near the beach, lake, canals, jetty, golf course, and town amenities, this home offers the perfect opportunity to relax and enjoy the coastal Ocean Shores lifestyle.

237 Dolphin Avenue NE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$800,000
4 Beds ⋅ 3 Baths ⋅ 2563682 MLS ⋅ ACTIVE Status
DUCK LAKE WATERFRONT RETREAT | 100+ FT WATERFRONT! Exceptional 3,065 SF, 4BR, 2.5BA home w/some of the most captivating views in Ocean Shores! Expansive wall of newer tinted lakeside windows frame sweeping views straight down Duck Lake while reducing heat. Oversized primary suite w/lake views, wood shutters, custom walk-in closet w/high-end built-ins & remodeled spa-like ensuite w/freestanding tub, tiled walk-in shower, bidet & custom medicine cabinets. Additional features include a main floor bedroom w/ensuite, sauna & direct access to the back yard, remodeled hall bath w/walk-in shower, newer carpet in 3 BRs & entertainment rm, new wood flooring in dining area, tiled entry, custom wood blinds, stained wood baseboards & updated window trim/casings, & most of the home w/newer exterior cement planked siding. Outdoor living shines w/new Trex decking, powder-coated black aluminum railing w/tempered glass panels for unobstructed views, Trex boardwalk & stairs to your private dock w/new bench overlooking the lake. Entertain year-round from the tiki bar & sunroom w/fire table, seating & double-glass garage doors bringing the outdoors in. East-side wind abatement system adds comfort. Fortified bulkhead, lake-fed irrigation, water filtration/salt system, metal roof, 2017 furnace/heat pump, wired for generator, newer hot water tank, wood stove, fire pit & woodshed w/firewood. 3-car garage w/new doors. 10,000+ SF lot. A rare Duck Lake retreat built for waterfront living & entertaining!

360 Wildwood Avenue SE, Ocean Shores

Listing courtesy of North Beach Realty OS LLC.

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