Totem Lake Homes with FHA Terms

Totem Lake Homes with FHA Terms

Welcome to Totem Lake, a vibrant neighborhood located in Kirkland, Washington. Situated in King County, Totem Lake offers the perfect blend of urban convenience and natural beauty. With easy access to major highways and public transportation, residents enjoy a seamless commute to nearby cities like Seattle and Bellevue.

One of the many appealing features of Totem Lake is its diverse real estate options, including homes with FHA terms. Whether you're a first-time homebuyer or looking to downsize, Totem Lake has something for everyone. From cozy townhouses to spacious single-family homes, there's a property to suit every lifestyle and budget.

In addition to its real estate offerings, Totem Lake boasts a thriving community with top-rated schools, parks, and recreational facilities. Explore the local shops and restaurants at the nearby Totem Lake Mall, or take a leisurely stroll around the picturesque waterfront parks.

Experience the best of Pacific Northwest living in Totem Lake, where modern amenities and natural beauty converge to create the perfect place to call home. Discover your dream home in this welcoming neighborhood and start enjoying the relaxed Kirkland lifestyle today.

Newest Totem Lake Homes with FHA Terms

$1,175,000
4 Beds ⋅ 3 Baths ⋅ 2574424 MLS ⋅ ACTIVE Status
Discover refined Northwest living in this beautifully refreshed Kingsgate residence, privately positioned on a peaceful cul-de-sac. Thoughtfully designed for both everyday comfort and effortless entertaining, the home showcases fresh interior and exterior paint, hardwood floors throughout, A/C, and an abundance of natural light. At the heart of the home, the chef-inspired kitchen features handsome finishes, stainless steel appliances, generous prep space, and an inviting connection to the formal dining and living areas. Three bedrooms are conveniently situated on the main level, while the lower level offers an additional guest bedroom and expansive family room—an ideal retreat for guests, work, or recreation. Step outside onto the large private deck and enjoy a generously sized, fully fenced backyard offering exceptional space for outdoor dining, entertaining, gardening, and play. Set within the highly regarded Lake Washington School District, this exceptional home combines a tranquil residential setting with outstanding convenience—just minutes from The Village at Totem Lake, Whole Foods, premier shopping and dining, parks, and I-405. Pre-inspected and ready to impress.

12615 NE 142nd Street, Kirkland

Listing courtesy of Windermere Real Estate/East.

$478,850
2 Beds ⋅ 2 Baths ⋅ 2573168 MLS ⋅ ACTIVE Status
This move-in ready quiet corner end-unit offers 1224 square feet of updated living space bordering a lush greenbelt. The interior features fresh paint, durable new LVP flooring, and a modern kitchen equipped with brand-new appliances. The functional layout includes a dedicated dining area, a tech nook for remote work, and a primary suite with a walk-in closet. Enjoy the private fenced patio and garden area, along with community amenities like an outdoor pool and hot tub. The home comes with two parking spaces, including one covered spot with extra storage. Located just minutes from the shopping, dining, and entertainment at The Village at Totem Lake, this location provides quick access to I-405 and transit. This pet-friendly community has no rental cap, no assessments, FHA and VA approved, Insp. report available. Making it a great option for first time homeowners and investors.

11506 NE 128th Street Unit #22, Kirkland

Listing courtesy of COMPASS.

$949,995
4 Beds ⋅ 2 Baths ⋅ 2571083 MLS ⋅ ACTIVE Status
Discover a rare Kirkland gem perfectly positioned between Kingsgate and Totem Lake. This impeccably maintained 4-bedroom, 2-bath, 1.5-story residence offers the ideal blend of comfort, efficiency, and premier PNW charm. Cared for over 26 years of prideful ownership, this turn-key 1,300 sq. ft. home offers a functional layout that lives much larger than its footprint. Modern updates include air conditioning, new double-pane windows, a tankless water heater for instant hot water, newer appliances, and roof solar panels. The property features a garage, expanded driveway, and a double gate ideal for RV or extra vehicle parking. Set on an expansive 8,653 sq. ft. lot shaded by mature trees, the open grounds are designed for entertaining with distinct outdoor dining and gathering zones, including an expansive deck with hot and cold water access, brick pathways to private seating areas, an inviting hot tub, shed, greenhouse, and a custom wooden play structure. Adding exceptional long-term value, the location falls within the top-rated Lake Washington School District. Enjoy unmatched everyday convenience minutes from EvergreenHealth, Woodinville Wine Country, and the vibrant Village at Totem Lake with Trader Joe’s, Whole Foods, shopping, dining, and cinema. Quick access to I-405 makes commuting into Bellevue, Redmond, or Seattle effortless. This home presents an irresistible, move-in-ready opportunity.

12086 NE 137th Court, Kirkland

Listing courtesy of Coldwell Banker Bain.

$1,124,999
4 Beds ⋅ 4 Baths ⋅ 2569427 MLS ⋅ ACTIVE Status
What's Special: Self-Guided Tour | North Facing Lot. New Construction - Ready Now! Welcome to The E22A at 13216 NE 127th Way Unit A in Senderos. This gorgeous versatile multi-level home comes with open-concept living, gourmet kitchen, and covered deck. The lower level includes a private bedroom with full bath and two-car garage. Upstairs offers a tech space, luxurious primary suite with spa-like bath and walk-in closet, plus two bedrooms with shared bath. Senderos feels like a place you’ll want to call home! Additional Highlights Include: Extended RevWood flooring. Builder broker registration policy requires, if represented, your broker register you with Community Site agent prior to OR with you, on your 1st visit. Photos are for representative purposes only. MLS#2569427

13216 NE 127th Court Unit #A, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$1,059,999
4 Beds ⋅ 4 Baths ⋅ 2569407 MLS ⋅ ACTIVE Status
New Construction-Ready Now! Welcome to The E22B at 13210 NE 127th Way Unit D in Senderos. The main level features an open-concept kitchen, dining area, and great room. Downstairs, a private bedroom and bathroom create a flexible space for guests. Upstairs, you’ll find a cozy tech nook, a serene primary suite with a walk-in closet and private bath, and two additional bedrooms with a shared full bathroom. Senderos is gorgeous, offering scenic parks, waterfront adventures, and unforgettable sunsets. Builder broker registration policy requires, if represented, your broker register you with Community Site agent prior to OR with you, on your 1st visit. Photos are for representative purposes only. MLS#2569407

13210 NE 127th Way Unit #D, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$1,124,999
4 Beds ⋅ 4 Baths ⋅ 2566636 MLS ⋅ ACTIVE Status
What's Special: No Rear Neighbors | Covered Patio | Covered Rear Deck | North Facing Lot. New Construction - Ready Now! Built by Taylor Morrison, America's Most Trusted Home Builder. Welcome to the E22-B at 13202 NE 127th Court Unit D at Senderos! The main living level features an open-concept design that connects the dining area, gourmet kitchen, and expansive great room. The kitchen offers a large center island, ample counter space, and a layout ideal for entertaining and everyday living. The great room opens to a covered deck for seamless indoor-outdoor living, while a powder room adds convenience for guests. Upstairs, the private primary suite includes a spacious walk-in closet and an en-suite bath with dual vanities and a large shower. Two additional bedrooms share a full bathroom and are complemented by a versatile tech space for studying or working from home. With four bedrooms, three full bathrooms, one half bath, a covered outdoor living area, and a two-car garage, this home offers comfort, style, and functionality for modern living. Additional Highlights Include: car charger outlet, garage door digital keyless entry, and pendant lights at kitchen island. Builder broker registration policy requires, if represented, your broker register you with Community Site agent prior to OR with you, on your 1st visit. MLS#2566636

13202 NE 127th Court Unit #D, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$495,000
2 Beds ⋅ 2 Baths ⋅ 2561340 MLS ⋅ ACTIVE Status
Welcome to this secluded end-building condo in the desirable Arrowood community! This light-filled 2-bedroom, 1.75-bath space features vaulted ceilings, a cozy wood-burning fireplace, and a private deck overlooking trees and the community tennis court. Recent updates include newer interior paint, luxury vinyl plank and SmartCore flooring, built-in closet systems, updated lighting and outlets, all-new plumbing in both bathrooms, and newer stainless steel appliances, including a new range and over-the-range microwave. An attached storage closet provides added storage convenience right outside your private balcony. Mounted TV, all appliances, an in-unit washer/dryer, covered parking, and some West Elm furniture are included (excluding bedroom furniture and select staging pieces). One covered parking space included. Enjoy the clubhouse, pool, hot tub, and tennis court, all just minutes from Totem Lake Village, Evergreen Hospital, shopping, dining, and major commuter routes. No rental cap or special assessment! Pets allowed! Great primary residence or investment property!

12918 126th Court NE Unit #K302, Kirkland

Listing courtesy of RexMont Real Estate.

$1,300,000
5 Beds ⋅ 4 Baths ⋅ 2561573 MLS ⋅ ACTIVE Status
Move-in ready and thoughtfully refreshed, this spacious Kirkland home lets you settle in without a list of projects. Tucked into a peaceful cul-de-sac on a large, private corner lot, it offers extra breathing room and a backyard removed from the neighbors. Inside, the bright open layout feels warm and welcoming, with durable hard-surface flooring that makes everyday living and cleanup easier. Gathering spaces allow everyone to spread out while still feeling connected, whether hosting friends, working from home, or enjoying a cozy evening together. French doors extend everyday living to the fenced, tree-lined backyard and expansive patio. Five upstairs bedrooms offer the flexibility to accommodate guests, home offices, hobbies, or play. The spacious primary suite offers a private place to unwind, while updated bathrooms add comfort and a fresh, current feel. Extensive improvements completed over the years provide added confidence and help reduce near-term ownership costs. Highlights include a 2026 heat pump with cooling, a newer roof and water heater, updated appliances, a renovated garage, a clean sewer scope, and completed pre-inspection repairs. A substantial 2016 renovation further enhanced the home’s comfort and functionality. Located within walking distance of John Muir Elementary and Kamiakin Middle School, with convenient access to Bellevue and Seattle, this home offers the space, privacy, flexibility, and peace of mind to feel at home from day one.

13912 127th Place NE, Kirkland

Listing courtesy of eXp Realty.

$400,000
1 Beds ⋅ 1 Baths ⋅ 2561245 MLS ⋅ ACTIVE Status
Discover Jade your stunning urban oasis in kirkland. This exceptional top-floor unit, with its east-facing view, features impressive 9-foot ceilings and high-end appliances, creating an open and airy atmosphere. The modern interior showcases sleek finishes and contemporary design making it ideaL for both relaxation and entertaining. Natural light pours in through large windows enhancing the vibrant feel of the space. Situated in a lively neighborhood, this home perfectly balances comfort with social living. Enjoy resort-style amenities, including a clubroom, fitness center, rooftop deck with views, concierge services, packages lockers, a dog wash station, bike storage, and EV charging. Conveniently located just steps from The Village at Totem Lake Evergreen Medical Center, and Park and Ride off 405, you'll be close to major tech hubs like Google, Meta, Amazon, and Microsoft. Plus, it's in the highly regarded Lake Washington School District.

11903 NE 128th Street Unit #610, Kirkland

Listing courtesy of Windermere Bellevue Commons.

$1,049,500
3 Beds ⋅ 3 Baths ⋅ 2541383 MLS ⋅ ACTIVE Status
Welcome home!!! The lovely house boasts a highly functional layout: the main floor features a spacious living room, family room, dining room, and a half-bath, while the upper level holds a dedicated primary suite and two guest bedrooms with a shared full bathroom. It thoughtfully updated for modern living, highlights including a new roof, new windows, fresh interior paint, central A/C, EV charging outlet, a new large refrigerator and more!The property delivers a large, fully fenced backyard and plenty of room for entertaining or gardening. Did I mention all the incredible amenities nearby? This exceptional location offers quick access to I-405, EvergreenHealth Medical Center, the new 132nd Park, Totem Lake Village, Cinemark, and local tennis clubs. You'll also find top-rated schools nearby, plus convenient grocery options including Safeway, Whole Foods, Trader Joe’s, Fred Meyer, and QFC. Don't miss out on this gem! Come check it out and experience the layout for yourself! Partially virtual staged!

13372 122nd Place NE, Kirkland

Listing courtesy of Skyline Properties, Inc..

$998,000
3 Beds ⋅ 3 Baths ⋅ 2542386 MLS ⋅ ACTIVE Status
Tucked away in a quiet cul-de-sac, this beautifully refreshed 3-bed, 2.5-bath Totem Lake gem blends peace with modern comfort. Stepping inside, soaring cathedral ceilings and light-soaked windows welcome you home. The inviting living room features a cozy wood-burning fireplace, perfect for chilly evenings. Love to cook? The light and bright kitchen shines with freshly refinished white cabinetry, new hardware, and sleek stainless steel appliances. Upstairs, the spacious primary suite offers a lovely retreat, now complete with an added door for extra comfort and a chic, updated vanity area boasting a new lit mirror and modern fixtures. The seamless indoor-outdoor flow leads to your own fully landscaped backyard oasis. Host summer BBQs on the spacious deck, look out over the lush yard, or try your hand at the pre-set garden area. Beyond its charm, this home has been meticulously updated for total peace of mind. Key upgrades include a brand-new roof and gutters (2026), recent interior paint, a finished garage, central A/C, and a newer water heater, washer/dryer and windows. Location is everything. You are just minutes from premium shopping and dining at The Village at Totem Lake, Evergreen Health Medical Center, the park & ride, and quick I-405 access. Move-in ready, updated, and exceptionally well-kept—welcome home!

13380 122nd Place NE, Kirkland

Listing courtesy of Redfin.

$1,044,000
3 Beds ⋅ 3 Baths ⋅ 2542410 MLS ⋅ ACTIVE Status
Step into a home where classic charm meets modern peace of mind. This beautifully maintained residence in Kirkland offers a thoughtful layout designed for both easy daily living and effortless entertaining. Natural light pours into the spacious living areas, highlighting a flow that feels both open and intentional. Brand-new roof, professionally installed in 2025 with transferable warranty, providing years of worry-free ownership and immediate value. Don't miss the bonus room downstairs which provides a flexible space. Make it a home gym, an entertainment space, or an additional bedroom. Location is everything here, and this home puts you exactly where you want to be. Situated within the highly desirable Lake Washington School District, it offers quick access to the best of the Eastside. You’re just moments away from The Village at Totem Lake, diverse dining options, and major commuter routes. Whether you’re enjoying a quiet evening in the private backyard or exploring the vibrant local amenities, this home delivers the perfect balance of comfort and convenience. Don't miss the chance to make this Kirkland gem your own.

13236 NE 129th Place, Kirkland

Listing courtesy of COMPASS.

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