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

$519,000
3 Beds ⋅ 2 Baths ⋅ 2564795 MLS ⋅ ACTIVE Status
Beautifully designed 1,400 sq. ft. one-level home offering 3 bedrooms, 1¾ baths, and an open-concept floor plan filled with natural light. The spacious living area features soaring ceilings, polished concrete floors with radiant heat, and a seamless flow into the kitchen and dining spaces, creating a home that’s both comfortable and perfect for entertaining. This home enjoys use of clubhouse, pool, pickleball courts, and scenic waterfront walking areas. A private marina access, boat launch with easy access to the San Juan Islands and 9 hole golf course available at nominal fees. Conveniently located between Bellingham and Ferndale, this home combines modern comfort with peaceful coastal living. The kitchen offers abundant cabinetry, generous counter space, stainless steel appliances, and an oversized dining area. The primary suite provides a peaceful retreat, while two additional bedrooms offer flexibility for guests, a home office, or hobbies. Step outside to a fully fenced backyard with low-maintenance landscaping, mature trees, and plenty of room to relax, entertain, or enjoy summer evenings around the fire pit. Additional features include: • Radiant heated concrete floors throughout • High ceilings and oversized windows • Modern finishes • Single-level living • Attached garage • Quiet setting with a spacious backyard Move-in ready and designed for easy living, this home combines contemporary style with exceptional comfort.

4546 Decatur Drive, Ferndale

Listing courtesy of HomeSmart One Realty.

$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 courtesy of eXp Realty.

$449,000
3 Beds ⋅ 2 Baths ⋅ 2561476 MLS ⋅ ACTIVE Status
Remarkable, Updated home offering the ultimate combination of modern convenience, outdoor versatility, and premium community amenities. Absolutely move-in ready, this property delivers a worry-free lifestyle from day one. Interior FeaturesVersatile Layout: Comprises 3 spacious bedrooms, 2 full washrooms, plus a dedicated home office that easily serves as a 4th bedroom. Main bedroom features a private, beautifully updated ensuite washroom. Fresh Updates: Enjoy complete peace of mind with new flooring, fresh interior and exterior paint, & a 1-year-old roof. The entire home has been professionally cleaned for its new owners. Relax in your private backyard, complete with a versatile outbuilding for storage, hobbies, or a workshop. Host gatherings on the expansive, covered deck engineered with premium, low-maintenance flooring. Ready for immediate use with dedicated, high-utility hookups for an RV & a backup generator. Front and back decks with its cover are about a year old. Premier HOA Amenities: Enjoy direct access to an active, resort-inspired lifestyle just steps from your front door: Golf course, Sparkling swimming pool, boat launch, pickleball courts, Community playground, Exclusive clubhouse for social gatherings and events.You have it all!

3681 Prevost Way, Ferndale

Listing courtesy of HomeSmart One Realty.

$825,000
3 Beds ⋅ 2 Baths ⋅ 2561628 MLS ⋅ ACTIVE Status
Experience the best of Sandy Point canal-front living in this 3-bedroom, 1.75-bath home offering approximately 1,700 square feet and direct access to the water. The bright, open kitchen creates an inviting gathering space and flows easily into the living area, where a sliding glass door opens directly to the canal-side patio. The outdoor space offers a wonderfully private feel—perfect for relaxing, entertaining, or watching the activity on the canal. The primary bedroom features peaceful water views, while an additional bedroom offers its own private deck. A main-floor bedroom includes a custom Murphy bed, providing flexible space for guests, a home office, or everyday living. Outside, you’ll find a rare concrete bulkhead and private 40-foot dock, ideal for boating, fishing, kayaking, and crabbing. Sandy Point provides boaters with exceptional access to Matia, Sucia, and the San Juan Islands, making it easy to head out for a day of island exploring, fishing, or cruising. Additional features include an attached garage with a convenient workshop area, generous off-street parking, and a detached storage shed. Community amenities include a 9-hole golf course, swimming pool, pickleball courts, clubhouses, marina, and boat launch. A special opportunity for year-round canal-front living or a memorable coastal getaway.

4045 Saltspring Drive, Ferndale

Listing courtesy of Muljat Group.

$975,000
4 Beds ⋅ 4 Baths ⋅ 2561475 MLS ⋅ ACTIVE Status
This newer waterfront home is crafted to cater to all your needs. Situated on a nearly acre-sized corner lot, it provides Pacific Northwest views of native landscapes, saltwater, and Mount Baker. The idyllic setting includes a path leading to a private low bank beachfront, ideal for kayaking or paddleboarding. Expansive windows illuminate the interior. The main level boasts a kitchen with a spacious center island for entertaining, along with dining area that opens to an outdoors. The main-level primary features an ensuite and walk-in closet. Upstairs, discover a rec room and a second primary suite with a private patio overlooking the canal. Enjoy Sandy Point's amenities, such as a marina, pool, clubhouse, and courts for pickleball/tennis.

4120 Patos Drive, Ferndale

Listing courtesy of COMPASS.

$729,000
3 Beds ⋅ 3 Baths ⋅ 2561433 MLS ⋅ ACTIVE Status
Perched above Sandy Point Golf Course, this home showcases sweeping bay, island, and mountain views. With 1,857 square feet of thoughtfully designed space, this 3 bedroom, 2.25 bath home offers main floor living with high ceilings, a wall of windows, and a spacious primary bedroom with an oversized walk in closet and dedicated vanity area. The gourmet kitchen features granite counters and a butler's pantry, opening to a large al fresco dining area with custom bifold windows, perfect for entertaining while enjoying breathtaking sunsets. Upstairs, two additional bedrooms and a large rec space offer flexibility for a media room, play area, or guest retreat. A private trail right out the back door leads to community amenities including a pool, golf course, and pickleball court.

3691 N Red River Road, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$450,000
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. 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 courtesy of Keller Williams Western Realty.

$525,000
2 Beds ⋅ 1 Baths ⋅ 2551145 MLS ⋅ ACTIVE Status
This Sandy Point A-frame has an established short-term rental history and has been cash-flowing as a vacation rental - financials available upon request. Wake up to the sound of crashing waves and the smell of salty ocean air - without paying the oceanfront price. This classic A-frame sits on the edge of Agate Lake, where mornings begin with still water and coffee on the deck. Step to the other side of the house and the Salish Sea opens up before you, a peek-a-boo view and a constant breeze that reminds you exactly where you are. The sounds of nature set the rhythm here - waves, birdsong, a light breeze off the water. After a while, you stop wanting it any other way. Inside, real wood floors warm the main living area, two bedrooms plus a bonus space give everyone room to breathe, and a refreshed bathroom means nothing is waiting on your to-do list. Three decks invite you to live outside as much as in. The detached 2-car garage handles the gear that comes with this kind of life - kayaks, bikes, beach chairs, all of it. Newer roof on the home and garage. Sandy Point amenities include tennis courts, golf course, pool, beach access, and trails through the wetlands - and a community that has a way of feeling like a secret worth keeping.

4440 Sucia Drive, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$599,000
3 Beds ⋅ 3 Baths ⋅ 2549003 MLS ⋅ ACTIVE Status
**1% lender credit, up to $7500, offered through our preferred lender, Amy Baker at Movement Mortgage** Don't let this one slip away—beautifully updated, thoughtfully designed, and offering breathtaking views, this Sandy Point home is ready to impress. Modern design meets comfortable everyday living with a clean, elevated aesthetic and warm custom details throughout. Vaulted ceilings, striking exposed wood beams, and expansive windows fill the open-concept living spaces with natural light while adding timeless architectural character. The remodeled kitchen features quartz countertops, stainless steel appliances, shaker cabinetry, a subway tile backsplash, generous prep space, and a large island with seating that naturally becomes the heart of the home. The adjoining dining area opens to the backyard, creating seamless indoor-outdoor flow for entertaining, summer gatherings, or quiet evenings at home. The living room offers soaring ceilings, a statement fireplace, and flexible space for both relaxing and working from home. Upstairs, spacious bedrooms with NEW carpet provide privacy and comfort, while the updated bathrooms continue the home's cohesive modern style. Outside, enjoy a welcoming front porch, fenced yard, attached garage, and low-maintenance lot, all conveniently located near parks, schools, shopping, and commuter routes. Designer-inspired finishes, stunning views, and an inviting atmosphere make this a rare opportunity in Sandy Point.

4393 Saltspring Drive, Ferndale

Listing courtesy of RE/MAX Whatcom County, Inc..

$375,000
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 courtesy of Realogics Sotheby's Int'l Rlty.

$559,000
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 courtesy of Buck Real Estate.

$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 courtesy of Windermere RE Whatcom, Inc..

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.