Sandy Point Homes with FHA Terms

Sandy Point Homes with FHA Terms

Welcome to Sandy Point, a charming neighborhood located in Ferndale, Whatcom County, Washington. This picturesque community is nestled in the beautiful Pacific Northwest region of the United States, offering residents a serene and idyllic place to call home.

Sandy Point is known for its stunning natural surroundings, including breathtaking views of the water and lush greenery. Residents can enjoy a variety of outdoor activities, such as hiking, biking, and boating, making it the perfect location for nature enthusiasts.

Homes in Sandy Point are available with FHA terms, making it easier for potential buyers to secure financing for their dream home. Whether you're looking for a cozy cottage or a spacious family home, Sandy Point has a range of options to suit your needs.

With its convenient location near the city of Ferndale, residents of Sandy Point have easy access to a variety of amenities, including shopping, dining, and entertainment options. The community also boasts a strong sense of community, with friendly neighbors and a welcoming atmosphere.

If you're looking for a peaceful and picturesque place to live in Whatcom County, Sandy Point is the perfect choice. Come and discover all that this charming neighborhood has to offer!

Newest Sandy Point Homes with FHA Terms

4567 Guemes Way, Ferndale
$424,900
5 Beds ⋅ 2 Baths ⋅ 2589524 MLS ⋅ ACTIVE Status
Hard to find five bedrooms, two baths and 1,782 sq. ft. with so much to offer at $429,900, priced for a quick sale!! Set on a 7,405 sq. ft. lot in desirable Sandy Point Heights, this spacious home features an open floor plan, vaulted ceilings throughout, a large family room and a kitchen with an eating bar—ideal for everyday living and gathering with friends. The large primary suite with its own bath provides a comfortable retreat. Storage beneath the home and a separate small storage building add room for tools and seasonal gear. Located very close to the association’s clubhouse and recreation area, you’ll appreciate nearby community amenities, including a swimming pool, golf course, athletic court, marina and boat launch. A compelling value and an affordable opportunity to own a generously sized home while enjoying all that the Sandy Point Heights community offers!

4567 Guemes Way, Ferndale

Listing Broker: RE/MAX Equity Group; Lorna Murray; 503-680-1221; LornaMurrayHomes@icloud.com

4162 Saltspring Drive, Ferndale
$1,250,000
3 Beds ⋅ 3 Baths ⋅ 2586734 MLS ⋅ ACTIVE Status
Most homes make you choose between waterfront and mountain views. Here, you get both! Welcome to 4162 Saltspring Drive, where sweeping views across Lummi Bay to Mt. Baker provide the backdrop to a home thoughtfully updated inside and out. Soaring ceilings and walls of windows fill the main living space with natural light while keeping the view front and center. The updated kitchen flows seamlessly into the living and dining spaces, while just outside, the new covered deck might become your favorite “room” in the house. Step into the backyard, complete with low-maintenance turf and a firepit, grab the paddleboard or kayak, and within seconds you’re on the water. Extensive improvements include new siding, flooring, whole-house generator, heat pump, updated kitchen and bathrooms, front awning, sump pump, metal roof and more. All of this in the Sandy Point community, with golf, marina and other community amenities nearby. The work has been done. The waterfront lifestyle is waiting. All that’s missing is you!

4162 Saltspring Drive, Ferndale

Listing Broker: MJB Real Estate Group; Jeff Engen; 360-393-9783; jeff@mjbrealestategroup.com

3673 Galiano Drive, Ferndale
$435,000
3 Beds ⋅ 2 Baths ⋅ 2582640 MLS ⋅ ACTIVE Status
Brand-new home and comes with a 1-year warranty! Built like a tank and won’t break the bank! Brand-new Energy Star-certified, single-level home featuring three bedrooms, two bathrooms, quality appliances, an energy-efficient design, and a spacious, open floor plan. Constructed with durable 2x6 walls. Situated on a corner lot with two driveways and a fully fenced, private backyard. Enjoy a short walk or bike ride to the community clubhouse, swimming pool, beach access, golf course, marina, and boat launch. Sandy Point is one of the Pacific Northwest’s best-kept coastal secrets, offering a relaxed lifestyle and exceptional community amenities.

3673 Galiano Drive, Ferndale

Listing Broker: Realogics Sotheby's Int'l Rlty; Christopher Erdmann; 425-800-0310; Christopher@blu.ink

4311 Sucia Drive, Ferndale
$949,000
2 Beds ⋅ 3 Baths ⋅ 2565102 MLS ⋅ ACTIVE Status
The ultimate Pacific Northwest home location at Sandy Point Shores - expansive display of Georgia Strait to the west with spectacular sunsets over the Canadian Gulf Islands to the north & San Juan Islands to the south. A full view of Mount Baker to the east overlooking wetlands across street - sunrises! A captivating coastal retreat, 50 feet of waterfront beach. Deck extends across behind the home overlooking the water. Currently 2 Airbnb spaces Main home is 1,306 SF with 2 BR and 1.75 BA. Large kitchen with a sizeable kitchen island for the chef & entertaining. Paneled and vaulted ceiling, wood fireplace. Attached ADU studio is 334 SF. The studio has a loft and 1 full BA.The studio has its own kitchen and washer and dryer. Tasteful finishes make this a most enjoyable and peaceful living space. EV charger included. Improved waterfront with 382 SF deck and the 50 feet of beach waterfront with a bulkhead. Both main home and ADU/studio are turnkey. Fee simple owned land.

4311 Sucia Drive, Ferndale

Listing Broker: eXp Realty; Dave Hiller; 360-820-4636; davehiller.realtor@gmail.com

4548 Orcas Way, Ferndale
$350,000
2 Beds ⋅ 2 Baths ⋅ 2567673 MLS ⋅ ACTIVE Status
Check out this turnkey investment opportunity in Sandy Point. There is a well-cared for 2 bedroom/2 bathroom manufactured home sitting on a large lot with peekaboo ocean views and lots of off-street parking. Home is clean, presentable and shows very well. It features lots of natural light, a very functional layout and a large primary bedroom with an ensuite bathroom. There is a huge deck off the kitchen which is perfect for relaxing and entertaining. There is a nice 394 sq foot garage on a concrete slab with extra parking. Sandy Point offers fantastic HOA Amenities! Enjoy direct access to an active, resort-inspired lifestyle just steps from your front door: Golf course, swimming pool, boat launch, pickleball courts, community playground and an exclusive clubhouse for social gatherings and events.

4548 Orcas Way, Ferndale

Listing Broker: RE/MAX Whatcom County, Inc.; Chris Edwards; 360-306-7566; chrise@remax.net

4431 Saltspring Drive, Ferndale
$849,000
3 Beds ⋅ 3 Baths ⋅ 2561748 MLS ⋅ ACTIVE Status
Welcome to your own waterfront retreat on beautiful Agate Lake with stunning views of the Salish Sea just beyond. Enjoy the best of both worlds with peaceful lakefront living, western-facing saltwater views, private beach access, and your own private dock—perfect for kayaking, paddleboarding, fishing, or simply unwinding while taking in spectacular sunsets.This beautifully remodeled 3-bedroom, 2.5-bath home offers just under 2,000 sq. ft. of thoughtfully designed living space filled with natural light from expansive windows. The chef's kitchen features generous quartz countertops, stainless steel appliances, modern finishes, abundant storage, and an inviting layout ideal for entertaining. Wake each morning in the tranquil primary suite overlooking the lake with views stretching toward the water beyond.A rare highlight is the spacious double lot, providing exceptional outdoor space for entertaining, recreation, gardening, or added privacy. The additional lot may offer future development or lot separation potential; buyer to verify.Enjoy resort-style community amenities including a golf course, swimming pool, clubhouse, marina, and more. Whether you're looking for a year-round home or the perfect Pacific Northwest getaway, this is a rare opportunity to own a truly special waterfront property.

4431 Saltspring Drive, Ferndale

Listing Broker: eXp Realty; Anna Lorenz; 360-443-5966; alorenz@alignteam.com

3681 Prevost Way, Ferndale
$445,000
3 Beds ⋅ 2 Baths ⋅ 2561476 MLS ⋅ ACTIVE Status
Immaculate, move-in ready, 3 spacious bedrooms, 2 full washrooms, plus a dedicated home office that easily serves as a 4th bedroom. Main bedroom with an updated ensuite washroom, his & hers closets. Newly installed flooring, fresh interior & exterior paint, & a 1-year-old roof. 1 year old decks - Front deck and a back covered deck engineered with premium, low-maintenance flooring. Ready for immediate use with dedicated, high-utility hookups for an RV & a backup generator. Premier HOA Amenities: Golf course, Sparkling swimming pool, boat launch, pickleball courts, Community playground, Exclusive clubhouse.

3681 Prevost Way, Ferndale

Listing Broker: HomeSmart One Realty; Lillian Chong-Mashburn; 360-739-1635; mashburnlillian@gmail.com

4582 Guemes Way, Ferndale
$445,000
3 Beds ⋅ 3 Baths ⋅ 2552068 MLS ⋅ ACTIVE Status
Enjoy easy Sandy Point living in this 2 bedroom, 2 bath, 1,156 sq. ft. doublewide manufactured home with DADU on its own fee simple lot in Sandy Point Heights. The open floor plan features spacious rooms, comfortable flow, and a bright living area with oversized windows that fill the home with abundant natural light. Fresh interior paint and carpet in the main home. A detached 1 bedroom, 1 bath DADU adds outstanding flexibility and potential rental income, making this an appealing option for owner-occupants, investors, extended living, guest space, or a private work-from-home setup. Peekaboo view of Puget Sound from the living room and dining room windows. Both the main home and DADU feature energy efficient mini-split heat pumps for heating and cooling. Located in the sought-after Sandy Point community, residents enjoy a unique coastal lifestyle with access to amenities that may include the golf course, marina with boat launch, yacht club, clubhouse, heated outdoor pool, tennis/sport courts, private beach access, and more. Whether you love boating, golfing, beach walks, entertaining, or simply relaxing in a quiet community near the water, this cosmetic fixer offers a great opportunity to update, personalize, build sweat equity, and enjoy the Sandy Point lifestyle.

4582 Guemes Way, Ferndale

Listing Broker: Keller Williams Western Realty; Dan Pittsenbarger; 360-739-9876; Dan@PittsenbargerTeam.com

4418 Sucia Drive, Ferndale
$350,000
2 Beds ⋅ 1 Baths ⋅ 2536851 MLS ⋅ ACTIVE Status
Imagine waking up to still water just outside your door. No stairs, no steep bank — just you, your morning coffee, and Agate Lake stretching out in front of you. That's the everyday reality at this no-bank lakefront retreat in the sought-after Sandy Point community of Ferndale. This two-bedroom, one-bath home sits on a private lot with direct water access and the kind of quiet that's hard to find this close to I-5. Inside, 720 SF of smart, sun-filled space gives you everything you need and nothing you don't, low maintenance, high lifestyle. Step outside and the Sandy Point community delivers: boat launch, athletic court, park, and playground all within walking distance. Whether you're searching for a primary home with a view, a weekend escape from the city, or a high-demand seasonal retreat, this property delivers the Northwest waterfront dream at a price that actually makes sense. Ferndale shopping, Bellingham dining, and Silver Reef Casino are all minutes away. Fee simple ownership. Clear title confirmed. Vacant and move-in ready. Waterfront this accessible, and this affordable, rarely stays available. Come see it before someone else does.

4418 Sucia Drive, Ferndale

Listing Broker: Realogics Sotheby's Int'l Rlty; Norvi Cruz; 316-941-6323; norvi.cruz@rsir.com

4491 Moresby Way, Ferndale
$550,000
3 Beds ⋅ 2 Baths ⋅ 2531778 MLS ⋅ ACTIVE Status
Discover the relaxed coastal lifestyle of Sandy Point, where beautiful sunsets, water and mountain views, and recreation are part of everyday living. Built in 2015, this distinctive 3-bedroom, 2-bath home offers 1,788 sq ft of bright, flexible living space designed to make the most of its scenic surroundings. Soaring windows fill the main living area with natural light and frame the views, while the adjoining sunroom creates an inviting place for morning coffee, reading, a home office, or creative space. The kitchen and dining area flow easily into the main living spaces and out to the deck for indoor-outdoor living. Downstairs, a separate family room, bedroom and ¾ bath offer added flexibility for guests, hobbies, work-from-home space, or movie nights. Outside, enjoy a fenced yard, RV parking, one-car garage, and plenty of room for your PNW gear and adventures. Sandy Point amenities include beach access, marina, golf, swimming pool, clubhouse, and more. Enjoy the feeling of a coastal getaway while remaining within easy reach of Ferndale and Bellingham. A unique opportunity to combine newer construction, scenic views, versatile living spaces, and the Sandy Point lifestyle—all at $559,000!

4491 Moresby Way, Ferndale

Listing Broker: Buck Real Estate; Marilyn Buck; 360-599-0397; marilyn.buckre@gmail.com

4446 Decatur Drive, Ferndale
$899,000
4 Beds ⋅ 3 Baths ⋅ 2520689 MLS ⋅ ACTIVE Status
Located in the elite enclave of Sandy Point Arm, this newer-built 4BD/2.5BA home offers 2,754 SF of thoughtfully designed living space w/amazing views from nearly every room. Expansive picture windows frame stunning views of Mt. Baker, the bay, and golf course like living artwork, filling the home w/natural light & unforgettable scenery throughout. Designed for both comfort and entertaining, the spacious kitchen features an oversized island, abundant cabinetry, & large walk-in pantry. Rich hardwood floors enhance the home’s warm, upscale feel, while ductless mini-splits provide efficient year-round comfort. The expansive living room flows seamlessly into the kitchen & dining areas, anchored by a cozy gas fireplace. Upstairs, a generous flex space is ideal for a home office, media room, or game area. The impressive primary suite offers a private lanai w/bay views and a spa-inspired ensuite bath. Convenient upstairs laundry is located alongside all 4 bedrooms. Outdoor living shines with a covered back patio featuring composite decking, cedar ceiling, recessed lighting, while the welcoming front porch offers the perfect place to relax and enjoy water views. The fully fenced backyard borders the community golf course with annual pass available for just $100/yr. Enjoy Sandy Point amenities including a heated outdoor pool, pickleball courts, clubhouse, & Marina w/boat launch. Rare opportunity to own a beautifully built home in one of Sandy Point’s most desirable locations.

4446 Decatur Drive, Ferndale

Listing Broker: Windermere RE Whatcom, Inc.; Kristin Miller; ; kmiller@windermere.com

3765 Sinclair Drive, Ferndale
$1,075,000
3 Beds ⋅ 2 Baths ⋅ 2514754 MLS ⋅ ACTIVE Status
Welcome to your oceanfront sanctuary with over 77 feet of private low-bank beachfront and panoramic views from nearly every room. The gourmet kitchen, perfect for entertaining, features a spacious island, elegant cabinetry, and a tile backsplash. The open living area with bifold windows seamlessly extends to a covered deck, offering views of Mt. Baker and the San Juan Islands. Retreat to the primary suite that opens to the ocean front deck and includes an ensuite and walk-in closet. Nestled in a protected bay, this property is perfect for kayaking, paddleboarding, or a peaceful weekend retreat, embodying coastal living. Enjoy Sandy Point's exclusive amenities like a golf course, tennis/PB court, clubhouse, pool, and marina.

3765 Sinclair Drive, Ferndale

Listing Broker: COMPASS; Erika Buse; 360-303-3429; erika.buse@gmail.com

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.