South Kitsap Homes with FHA Terms

South Kitsap Homes with FHA Terms

Located in the beautiful state of Washington, South Kitsap is a charming neighborhood situated in Kitsap County. With its scenic landscapes and close proximity to major cities, South Kitsap offers a perfect blend of tranquility and convenience.

Homebuyers in South Kitsap have the advantage of exploring various options, including homes with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible and affordable. These loans often come with more flexible credit requirements and lower down payment options, making them an attractive choice for many buyers.

In South Kitsap, you'll find a diverse range of homes available with FHA terms. Whether you're searching for a cozy single-family house, a spacious townhome, or a modern condominium, there's something to suit every lifestyle and budget. These homes often feature desirable amenities such as updated kitchens, ample storage, and well-maintained yards.

Living in South Kitsap means enjoying a close-knit community with excellent schools, parks, and recreational opportunities. The neighborhood boasts a vibrant downtown area with local shops, restaurants, and entertainment venues. Residents can also take advantage of the nearby natural beauty, including picturesque beaches, hiking trails, and waterfront parks.

With its convenient location, stunning surroundings, and homes available with FHA terms, South Kitsap presents an ideal opportunity for those seeking a comfortable and affordable place to call home. Whether you're a first-time buyer or looking to upgrade, this neighborhood has something for everyone.

Newest South Kitsap Homes with FHA Terms

$699,777
4 Beds ⋅ 3 Baths ⋅ 2570485 MLS ⋅ ACTIVE Status
Some nights the last light on this cul-de-sac comes from the shop. Twenty-four by thirty feet of it, 220 power at both ends, doors rolled up on something that started Saturday and is not finished yet. The house waits up the drive, set back under firs on nine-tenths of an acre in Port Orchard's Horizon West, and it has been somebody's for a long time. You feel that before you reach the door, where water moves quietly beside the front step. Inside, the ceiling lifts and 2,290 square feet open up. A fireplace holds the living room and the windows hand you nothing but green. The dining room has seen a lot of long evenings and would like a few more. Four bedrooms in all, the primary on the main behind a remodeled bath with custom cabinetry and a tile shower. Downstairs the lower level finishes out warm, a second fireplace, a room wide enough to gather in, and everything that hums kept politely out of earshot. August and January both get handled, heat pump and central air. Then the slider opens and the day goes outside. Trex deck, hot tub steaming in the cold, an outdoor fireplace, a fire pit, garden beds, a shed, sprinklers holding the green through July. Level, wooded South Kitsap acreage, territorial views, and a treeline that does what a fence would. RV parking and a 30 amp hookup wait near the workshop, room for the boat, garage and carport besides. Sedgwick and Highway 16 sit minutes out, Kitsap County all around it. Leave the shop light on. Somebody should be using it.

3073 SE Misty Court, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$575,000
4 Beds ⋅ 3 Baths ⋅ 2574023 MLS ⋅ ACTIVE Status
Welcome home to Emelia Landing, a quiet little pocket in the heart of Port Orchard. This two-year-old Richmond American resale lives like brand new! Premium placement on a prime end lot allows you to enjoy ultimate privacy while overlooking a scenic, peaceful greenbelt. Inside, the flowing main-level layout leads into a gourmet kitchen featuring quartz countertops, a full-height subway tile backsplash, a center island & a spacious walk-in pantry. The kitchen seamlessly connects to the great room, which comes complete with a custom media niche & cozy gas fireplace. Upstairs, the expansive primary suite boasts a private bath & large walk-in closet, three additional bedrooms, another full bath, laundry & versatile loft space. High-end finishes like luxury vinyl plank flooring, custom blinds & chic fixtures elevate the home throughout. Beat the heat with central AC inside or spend your time outside on your extended 10x18 covered patio, equipped with a gas BBQ hookup, firepit & ambient lighting overlooking the peaceful scenery while still having ample yard space for fetch, a game of catch or cornhole too. You will feel far from it all, yet you are just minutes from Highway 16, daily shopping & dining, great schools, South Kitsap Regional Park & the awesome Port Orchard Waterfront Boardwalk!

6243 Windlass Avenue SE Unit #12, Port Orchard

Listing courtesy of Keller Williams Realty PS.

$500,000
2 Beds ⋅ 3 Baths ⋅ 2573425 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained, basically new construction 2-bedroom, 3-bath home offering 1,686 sq ft of comfortable, modern living. The inviting open-concept layout creates a warm, homey feel, with a spacious kitchen featuring a large island, pantry, and plenty of room to gather. Enjoy the deck off the main floor—perfect for morning coffee or entertaining. Great garage space with a 50-amp electrical outlet installed, ready for EV charging. Conveniently located in South Kitsap near shopping, dining, schools, Highway 16, and easy commuting routes to Gig Harbor, Tacoma, Bremerton, and the Southworth Ferry. Enjoy the best of Pacific Northwest living with nearby parks, trails, waterfront recreation, and the charming Port Orchard waterfront just minutes away.

6480 Halyard Circle SE, Port Orchard

Listing courtesy of Windermere Prof Partners.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2567413 MLS ⋅ ACTIVE Status
Beautifully landscaped and private nearly-acre property with easy access to the ferries! This nicely updated 1,892 sq ft tri-level home offers comfortable living and plenty of room to enjoy the country lifestyle. The 3-bedroom home has been thoughtfully refreshed with newer flooring, counter-tops, interior paint, lighting, appliances, doors, and fixtures. The lower level offers excellent flexibility & could make a wonderful primary suite with an existing ¾ bath. Private well with newer UV water treatment system and 3-bedroom septic. Relax in the peaceful sun-room just off the kitchen—perfect for morning coffee, reading, or unwinding at the end of the day. Outside, enjoy mature landscaping, apple trees, garden space, RV parking, EV charging and plenty of room to roam. Oversized garage provides room for a lawn tractor and storage, while the huge detached shed has been transformed into an incredible exercise sanctuary, personal retreat, or storage space. Two chicken coops—one large and one small—add to the charm of this unique property. A wonderful blend of privacy, updates, space, and country living, all within convenient reach of the ferries!

5696 E Collins Road, Port Orchard

Listing courtesy of eXp Realty.

$250,000
2 Beds ⋅ 1 Baths ⋅ 2553739 MLS ⋅ ACTIVE Status
All the Special assessments are paid in full on this beautiful Turn-key fully furnished home. A lovely 2 bedroom, with a totally remodeled bathroom and other recent upgrades. The kitchen includes modern lighting and all upgraded appliances, new flooring throughout the home, new vinyl windows, ceiling fans in the bedrooms, new siding, new roof and exterior paint. A cozy electric fireplace welcomes you into the living room and off the dining area is a view of nature at its best. On top of all the special assessments being paid, the HOA is paid through the end of the year. So many possibilities, rental or a home ready for your dreams. There is a well-maintained lawn area to enjoy as an additional park to the property. You will find extra storage in the carport area. Stairs from the carport area will lead you down into a sheltered area to the door or take the lovely path around the back to the patio with no stairs. The home is located in a quiet and peaceful area surrounded by lush greenbelt, but it is also convenient for shopping, restaurants and Washington state ferries.

2969 SE Mile Hill Drive Unit #E2, Port Orchard

Listing courtesy of John L. Scott, Inc..

$514,950
3 Beds ⋅ 3 Baths ⋅ 2558219 MLS ⋅ ACTIVE Status
Beautifully maintained 3-bedroom, 2.5-bath home offering 1,786 sq. ft. of comfortable living in a convenient location. The open-concept kitchen features stainless steel appliances, a walk-in pantry, breakfast bar, and flows into the dining area and inviting family room with a cozy gas fireplace and custom built-ins. Upstairs, the spacious loft makes the perfect home office, media room, or play area. The primary suite offers a large walk-in closet and private bath with double sinks, soaking tub, and separate shower. Two additional bedrooms, one with a walk in closet, a full bath, and upstairs laundry complete the second floor. Washer and dryer are included. Enjoy year-round outdoor living from the covered front porch or expansive covered back patio and extended patio, fully fenced low-maintenance yard, dog run, and garden area all make this low maintenance so you have more time to just relax and enjoy your backyard. The oversized two-car garage features tall ceilings, plus a rare, fully finished storage room that stays naturally cool. Central air keeps the whole house comfortable during these warm days. Quick access to Highway 16 and just 10 minutes from the Seattle ferry and Puget Sound naval Shipyard makes commuting simple while keeping shopping, dining, and recreation nearby.

3758 Maritime Drive SW, Bremerton

Listing courtesy of Keller Williams Realty.

$400,000
3 Beds ⋅ 2 Baths ⋅ 2549311 MLS ⋅ ACTIVE Status
Welcome to Winchester Village. This amazing community is bringing you another wonderfully appointed 3 bed 2 bath home with wide open living areas and spacious bedrooms. Enter the home and wander through the living room into the great room styled dining and family room where you can bathe in the warmth from the stove or in the natural light pouring through the coved windows of the dining room. Outside you will find that the home is wrapped in a larger than expected level and open yard ready for your gardening or landscaping dreams.

2382 Hastings Lane SE, Port Orchard

Listing courtesy of Keller Williams West Sound.

$515,000
3 Beds ⋅ 2 Baths ⋅ 2552676 MLS ⋅ ACTIVE Status
Welcome to this inviting single-level home on over 2 private acres in Olalla. Featuring 3 bedrooms, a flex room with closet, and 2 bathrooms, this home offers a bright, open layout with a modern kitchen, shaker-style cabinetry, quartz countertops, stainless steel appliances, and thoughtfully updated finishes. Updates include fresh paint, LVP flooring, newer roof, furnace, water heater, and septic tank. Outside, enjoy an expansive fenced yard with space to garden, a storage container that remains with the property, recently excavated forest trails, and the added benefit of a well with an upgraded pressure system. Ideally located between Port Orchard and Gig Harbor, with quick access to Highway 16, shopping, dining, and medical services. Currently operated as a 5-star vacation rental, with furnishings negotiable for buyers seeking a more turnkey option. With the primary bedroom set apart from the other rooms, the layout offers flexibility for guest accommodations, shared living, hobby space, or potential room-rental use.

7591 SE Fragaria Road, Olalla

Listing courtesy of homecoin.com.

$725,000
4 Beds ⋅ 4 Baths ⋅ 2550888 MLS ⋅ CONTINGENT Status
Welcome home! This better-than-new private greenbelt home is ready for its next owner. From the moment you walk in, the meticulous care is evident. Plantation shutters, heat pump/AC, garden space, freshly stained fencing, new shed, and a terraced side yard with steps elevate both the home and your lifestyle. Featuring just shy of 3,000 sqft, 4 beds, 3.25 baths, and natural light throughout, there is space for everyone in an extremely smart layout. The main floor is open yet distinct and is a true showstopper. Imagine mornings on the covered patio, sipping coffee while listening to the birds sing. Upstairs offers a bonus loft, 3 bedrooms, and 2 full baths, including the primary suite. The basement features tall ceilings, another bonus/living room, and an entire junior suite with its own 3/4 bath. This home is a hidden gem on a private cul-de-sac with only 11 homes. Set on the east side of Port Orchard with quick access to Southworth, Manchester, and the Port Orchard waterfront, this location delivers the best of South Kitsap living. Enjoy nearby ferry access to Seattle, waterfront dining and marina activity along Bay Street, the small-town charm of Manchester, and outdoor recreation at Banner Forest, Manchester State Park, Howe Farm Park, Long Lake Park, and South Kitsap Regional Park. With Hwy 16 and Sedgwick nearby, commuting through Gig Harbor, Tacoma, and the greater Puget Sound region is simple. Hurry! Ask about our VA assumable loan for eligible buyers at 4.99%

6479 Halyard Circle SE, Port Orchard

Listing courtesy of Keller Williams Realty PS.

$490,000
3 Beds ⋅ 2 Baths ⋅ 2551451 MLS ⋅ PENDING SHORT SALE Status
Step into the serene oasis of country living with this charming farmhouse nestled on two and a half picturesque acres of Port Orchard farmland. Tucked away on a tranquil street, this property offers a perfect blend of seclusion and convenience, just moments away from all the amenities you desire. As you approach the front entry, you'll be greeted by a warm and inviting living space that seamlessly flows into the dining area and kitchen. French doors open onto a spacious back deck, where you can unwind and soak in the beauty of your private forest sanctuary. The main floor features a cozy primary bedroom with a walk-in closet and a well-appointed shared bathroom. Upstairs, you'll find additional living space including a third bedroom, a versatile bonus room, and another full bathroom for added convenience. Outside, the property boasts a fully fenced front yard/pasture, ideal for your furry friends to roam freely, while the wooded expanse at the back beckons with trails waiting to be explored. Don't miss the opportunity to experience the magic of this unique home. With its Short Sale status, Mortgagee Approval is required, making it an exceptional chance to own a piece of this idyllic countryside retreat. Book your viewing today and start envisioning the limitless possibilities that await you in your own private haven.

3857 Creek View Court SE, Port Orchard

Listing courtesy of Sterling Property Group.

$734,500
5 Beds ⋅ 4 Baths ⋅ 2550488 MLS ⋅ ACTIVE Status
Welcome to this exceptional Century Communities Bridger plan in the desirable McCormick Trails community! Designed for today’s flexible lifestyle, this thoughtfully planned CenturyFlex home offers a rare main-floor multigenerational suite with its own private exterior entrance, living area, bedroom, full bath, and space for an optional kitchenette and laundry—ideal for extended living, guests, a home office, or added privacy. The main level features an inviting open-concept design with a spacious great room, dining area, and a beautifully appointed kitchen complete with a large center island and walk-in pantry. A dedicated study of the foyer provides an excellent work-from-home or flex space. Upstairs, enjoy a generous bonus room, two secondary bedrooms with walk-in closets, and an expansive primary suite featuring a spa-inspired bath and oversized walk-in closet. Situated near a neighborhood trail, this home offers a peaceful, nature-friendly setting while remaining close to everyday conveniences. Enjoy the welcoming sense of community, where neighbors are known for being friendly and connected. The low HOA dues add to the appeal, and the area is served by well-regarded local schools. Future nearby retail and shopping development is also underway, bringing even more convenience just minutes from home. Modern, flexible, and beautifully located—this is a special opportunity to enjoy multi-generational living and the lifestyle McCormick Trails has to offer.

3847 SW Bigler Way, Port Orchard

Listing courtesy of Best Choice Realty LLC.

$790,000
3 Beds ⋅ 3 Baths ⋅ 2539642 MLS ⋅ ACTIVE Status
Brand new roof installed! Coveted Sea and Mt. Rainier view home in beautiful Olalla! Established and quiet neighborhood. One of the development’s premium lots with an oversized flat backyard and direct access to the Puget Sound. Walk out the back gate to a meandering paved path down to the beautifully maintained pavilion, dock and boat launch. Continue on to the beach, launch a watercraft, or simply admire the views and wildlife! Inside you will find a beautifully remodeled open concept home with bamboo flooring, Custom railings, Quartz countertops, Huge great room on main floor. The backyard includes a sports court, and hot tub! Plenty of room for additions like a boat garage, shop or gazebo addition that overlooks the water! Amazing views from inside and outside the house! Minutes to Olalla Bay market, Olalla winery events, downtown Gig Harbor and Seattle/Vashon ferries for easy commute.

15106 Starr Place SE, Olalla

Listing courtesy of Keller Williams South Sound.

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