Whidbey Island Homes with FHA Terms

Whidbey Island Homes with FHA Terms

Welcome to Whidbey Island, a picturesque gem nestled in the heart of Oak Harbor, Washington. This charming neighborhood offers a unique blend of natural beauty and modern convenience, making it a sought-after destination for homebuyers looking to experience the best of island living.

Whidbey Island is renowned for its stunning landscapes, including lush forests, pristine beaches, and breathtaking views of the Puget Sound. Residents here enjoy a peaceful and serene environment, perfect for those seeking a retreat from the hustle and bustle of city life.

If you're considering purchasing a home in Whidbey Island, you'll be pleased to know that FHA terms are available for eligible properties in the area. This can make homeownership more accessible and affordable for those who qualify, allowing you to find your dream home in this idyllic location.

Whether you're drawn to Whidbey Island for its natural beauty, outdoor recreational opportunities, or tight-knit community vibe, there's something for everyone to love in this enchanting neighborhood. Don't miss the chance to explore all that Whidbey Island has to offer and find your perfect home in this one-of-a-kind setting.

Newest Whidbey Island Homes with FHA Terms

$875,000
4 Beds ⋅ 3 Baths ⋅ 2572379 MLS ⋅ ACTIVE Status
Escape to your own private oasis among the trees. Nestled in the secluded Whidbey Highlands neighborhood, this special property offers privacy, natural beauty, and an abundance of space for comfortable living. The main-floor primary suite features a private bath and its own deck—an ideal spot to start the morning with coffee while taking in the view. Upstairs, two additional bedrooms and an office provide flexible space for working from home, guests, or hobbies. The lower level expands the possibilities with two more bedrooms and a bonus room, creating plenty of room for guests, recreation, or multi-generational living. The hidden workshop beneath the deck offers a unique space for projects, tools, or hobbies. Outside, the natural beauty of Whidbey Island surrounds you. A returning mated pair of bald eagles adds a truly special touch to this peaceful setting, making their home among the surrounding trees. Enjoy nearby Dugualla State Park, beaches, boating, hiking, wildlife, local restaurants, community events, and the spectacular scenery that makes island living so special. Downtown Oak Harbor and Naval Air Station Whidbey Island are within convenient reach, while Deception Pass State Park and countless outdoor adventures are just a short drive away. Make every day feel like a getaway in your own Whidbey Island retreat.

780 Greenoch Loop, Oak Harbor

Listing courtesy of Goldhouse Realty.

$2,795,000
4 Beds ⋅ 3 Baths ⋅ 2539910 MLS ⋅ ACTIVE Status
A rare opportunity to own a private waterfront estate on Whidbey Island, featuring more than 400 feet of low-bank shoreline and sweeping 180-degree views across Skagit Bay. Set behind a gated entry on 2.4 acres, the property offers exceptional privacy, scale, and direct water access. The 4-bed, 2.5-bath home features an open-concept layout with soaring ceilings, expansive windows, abundant natural light, and marine views. A spacious chef’s kitchen flows into the main living and dining areas, creating an inviting setting for everyday living and waterfront entertaining. Hardwood floors and a thoughtful layout make the home equally suited as a primary residence, second home, or luxury island retreat. Outdoor living includes an expansive waterfront deck, hot tub, and direct shoreline access. Enjoy ever-changing views of Skagit Bay, frequent bald eagle sightings, seals, and passing orcas. A detached three-bay garage provides generous space for vehicles, recreational equipment, or storage. The property has an established history as a successful luxury vacation rental with strong demand and repeat guests. Financials available with inquiry and pre-approval. Experience the privacy, natural beauty, and extraordinary waterfront lifestyle of this one-of-a-kind Whidbey Island estate.

3364 Bultman Lane, Oak Harbor

Listing courtesy of American Dream R. E. Services.

$1,130,000
3 Beds ⋅ 3 Baths ⋅ 2516844 MLS ⋅ ACTIVE Status
Discover the ultimate blend of rustic charm and modern luxury on this 3.5-acre estate, a private sanctuary designed for both grand entertaining & serene daily living. The heart of the home features a grand entrance anchored by a stunning brick fireplace, leading into a living room with vaulted ceilings & massive picture windows that bathe the space in natural light. The kitchen has been beautifully refreshed with fresh paint, timeless brick flooring, & a center island cooktop, perfectly complemented by a new custom built-in in the dining room & custom curtains that stay with the home. Retreat to the main-floor primary suite, which boasts a completely redone master bathroom, & outside access. Throughout the home, you will find thoughtful upgrades like live-edge wood countertops in the bathrooms & custom shelving in every closet. The lower level expands your living options with a spacious rec room, two additional bedrooms, a dedicated office, & an oversized laundry room. Outside, the grounds rival a private resort, featuring a pickleball court, a tranquil pond, & a new pergola & fire pit area for evening gatherings. The landscaping is highlighted by a classic stone wall & partitioned pastures. This turnkey property offers total peace of mind with a new septic system installed in 2025, a French drain, & a secure electric gate entrance. With multiple outbuildings and expansive acreage, this estate perfectly combines high-end functionality with a peaceful, country lifestyle.

2259 Happy Valley Road, Oak Harbor

Listing courtesy of RE/MAX Gateway.

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