98516 Homes with Assumable Terms

98516 Homes with Assumable Terms

Welcome to Lacey, Washington, a vibrant city nestled in Thurston County, where the charm of suburban living meets the breathtaking beauty of the Pacific Northwest. The zip code 98516 encompasses a diverse range of neighborhoods, each offering a unique blend of community spirit, recreational opportunities, and convenient access to urban amenities.

Living in Lacey means enjoying the lush landscapes and scenic parks that define this area. With its proximity to the stunning Nisqually National Wildlife Refuge and the serene waters of Puget Sound, outdoor enthusiasts will find plenty of opportunities for hiking, birdwatching, and exploring nature’s wonders. Plus, Lacey's well-maintained parks and playgrounds make it an ideal spot for families to thrive.

For those considering a move to this picturesque locale, the housing market in 98516 boasts a variety of homes with assumable terms. This means that buyers can take over the existing mortgage of a seller, making it easier to transition into homeownership while potentially benefiting from lower interest rates. This feature is particularly appealing for first-time homebuyers or those looking to capitalize on favorable financing options.

Lacey offers a blend of modern amenities and a close-knit community feel, with local shops, restaurants, and schools all within reach. Whether you're looking for a cozy single-family home or a spacious townhouse, the 98516 area has something for everyone. Discover the charm of Lacey and find your perfect home today!

Newest 98516 Homes with Assumable Terms

$629,995
2575338 MLS ⋅ ACTIVE Status
This beautiful duplex is ready for its next owner. House is sound and has been lovingly updated with new flooring throughout, brand new windows (with transferable lifetime warranty), new fence, new water heater in 1327 and new tub in 1329. All appliances stay. Roof is less than 10 years old. This duplex is consistently rented with high occupancy percentage. Elementary school located right across the street. Great location, close to JBLM, shopping, and the I-5 corridor.

1327 Horne Street NE, Olympia

Listing Broker: Real Broker LLC; Ben Smith; 253-326-1185; bsmithsells.realbroker@gmail.com

$480,000
3 Beds ⋅ 2 Baths ⋅ 2532600 MLS ⋅ ACTIVE Status
ASSUMABLE VA LOAN at 2.95% FOR QUALIFIED VA BUYERS!!! Welcome to this beautiful rambler on a spacious lot in the highly desirable Thompson Place neighborhood! This 3-bedroom, 1.75-bath home is move-in ready with vinyl plank flooring throughout, fresh interior paint, a brand-new roof, and solar panels that can eliminate your electric bill. The primary suite offers a private bathroom and a generously sized walk-in closet. At the heart of the home, the updated kitchen and inviting family room feature modern finishes, fresh paint, abundant built-in shelving, and a cozy wood-burning fireplace that keeps the home warm during the cooler months. Ceiling fans in every room help maintain comfort throughout the summer. Step outside to enjoy the fully fenced, flat, and usable 0.29-acre lot. The backyard is packed with extras, including a Ninja obstacle course and rock wall that stay with the home, along with dedicated garden spaces ready for your green thumb. With no HOA, you'll enjoy the freedom to make this property your own. Conveniently located within walking distance of shopping, public transportation, and everyday amenities, this home also offers quick access to I-5 and JBLM, making commuting a breeze. 1-0 buydown available to lower your monthly mortgage payment with preferred lender ask for details (terms apply). One year home warranty also offered as a gift to the buyer!

7609 13th Avenue NE, Olympia

Listing Broker: John L. Scott, Inc.; Alexandria Goforth; 760-419-2231; AlexandriaGoforth@johnlscott.com

$795,000
5 Beds ⋅ 3 Baths ⋅ 2540173 MLS ⋅ ACTIVE Status
Welcome to the highly sought-after Campus Fairways golf course community! This beautifully maintained 5-bedroom, 3-bath home offers 2,710 square feet of thoughtfully designed living space on a desirable interior lot near the 13th and 14th fairways of The Woodlands Golf Course. Step inside to discover an open and inviting floor plan featuring a spacious kitchen with a massive granite island, abundant cabinetry, and seamless flow into the dining and living areas—perfect for entertaining or everyday living. The main floor includes a bedroom and a full bathroom with a walk-in shower, offering flexibility for guests, multigenerational living, or a home office. Upstairs, you'll find generously sized bedrooms and plenty of space for everyone to spread out. Stay comfortable year-round with central A/C while enjoying the peace of mind of a new water heater and an EV charger already installed. One of this home's standout features is the fully owned solar panel system, providing significant energy savings on heating and cooling costs with the potential for utility rebates. Step outside to the covered patio overlooking the fully fenced backyard, complete with front and back sprinkler systems—creating the perfect space for outdoor gatherings, gardening, or simply relaxing. Ideally located close to golf, parks, shopping, restaurants, JBLM, and I-5, this exceptional home offers the perfect combination of space, comfort, efficiency, and an unbeatable location. Welcome Home!

4238 Campus Drive NE, Lacey

Listing Broker: Century 21 Van Dorm Realty; Amanda Ficek; 360-819-0444; AmandaFicekHomes@gmail.com

$455,000
3 Beds ⋅ 3 Baths ⋅ 2526778 MLS ⋅ ACTIVE Status
Welcome to this adorable 3-bed, 2.5-bath home with an open-concept layout perfect for everyday living. The stylish kitchen flows seamlessly into the dining and living areas, creating a warm and inviting space with engineered wood flooring. Bright and open, the kitchen features stainless steel appliances and a walk-in pantry. The main floor also offers two separate living areas, giving you flexibility for a second lounge, playroom, or spacious home office. Upstairs, the primary suite includes a private bath and walk-in closet, while two additional generously sized bedrooms share a full guest bath. A convenient upstairs utility room adds to the home’s practical layout. Outside, enjoy the fully fenced side yard with an extended patio and low-maintenance turf—ideal for relaxing. HOA-maintained front landscaping makes for easy living, while the community amenities truly set this neighborhood apart, featuring pickleball courts, parks, trails, athletic courts, beach access, and more. Conveniently located near shopping, dining, golf, I-5, and JBLM, this home offers the perfect mix of comfort, convenience, and community in one of Lacey’s most popular neighborhoods. VA Assumable Loan @ 5.75%

7604 Traditions Avenue NE, Lacey

Listing Broker: Century 21 Van Dorm Realty; Amanda Ficek; 360-819-0444; AmandaFicekHomes@gmail.com

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