98531 Homes with State Bond Terms

Welcome to the charming community of Centralia, Washington, nestled in the heart of Lewis County and defined by its picturesque landscapes and vibrant local culture. Zip code 98531 encompasses a delightful area that offers a unique blend of small-town charm and modern conveniences. Known for its rich history and welcoming atmosphere, Centralia is an ideal place for families, retirees, and anyone seeking a peaceful lifestyle with access to urban amenities.

One of the standout features of homes in the 98531 area is the availability of properties that qualify for State Bond Terms. This program is designed to make homeownership more accessible, providing potential buyers with favorable financing options. Whether you're a first-time homebuyer or looking to invest, these bonds can significantly lower your borrowing costs, making your dream home within reach.

Centralia is not just about affordable housing; it also boasts a plethora of recreational opportunities. Explore the scenic Chehalis River, take a leisurely stroll through the historic downtown area, or participate in community events that bring neighbors together. With excellent schools, parks, and a strong sense of community, Centralia offers a quality of life that is hard to beat.

If you're considering making a move, the 98531 zip code is a fantastic choice. With its beautiful homes and supportive community, Centralia is ready to welcome you home. Discover the possibilities today and let the charm of this enchanting city capture your heart!

Newest 98531 Homes with State Bond Terms

$435,000

3 Beds ⋅ 3 Baths ⋅ 2595545 MLS ⋅ ACTIVE Status

Welcome to this wonderful property full of potential, space to spread out, and endless possibilities! Offering 1,892 sq. feet of single-story living space on a generous 0.60-acre lot, this home is ready for its next owner to bring their vision to life. Inside, you’ll find an expansive, open layout with generously sized rooms and plenty of natural light. Featuring 3 bedrooms plus an additional flexible-use room! Whether you need a home office, craft room, hobby space, or an additional bedroom setup, the possibilities are yours to explore. The home is waiting for those finishing touches that will make it truly your own. Step outside and enjoy a large front yard, a spacious driveway, and a fully fenced back yard with a covered patio- perfect for pets and outdoor entertainment. The acreage extends well beyond the fenced area, with a gate providing access to the additional backyard property and room to imagine, create, and enjoy. Comfort is covered with a heat pump installed in 2021, providing both heating and air conditioning for year-round comfort. Location is another standout feature! Just one minute from the I-5 on-ramp, you’ll have convenient access to shopping, dining, the shopping outlets, and everyday essentials while enjoying the space of a larger property. And there’s more to love — an assumable loan option may be available! Ask for details! If you’re looking for a home with space, versatility, convenience, and the opportunity to add your own personal touch, call today!

1601 Sunset Way, Centralia

Listing Broker: John L. Scott Lacey; Leslie Gallardo; 360-338-8908; lgallardo@johnlscott.com

$335,000

3 Beds ⋅ 1 Baths ⋅ 2593868 MLS ⋅ ACTIVE Status

Welcome home to this charming, inviting property featuring classic character and comfortable living spaces! The spacious living room offers plenty of room to relax or entertain, with large windows that bring in natural light, a cozy wood-burning stove, and warm wood accents that add timeless appeal. The functional kitchen provides ample cabinet and counter space, stainless steel appliances, and room for a dining area. 3 bedrooms are spacious and are all on one floor. Full bathroom, 2 car garage with a carport and a workbench, fenced side yard and single level living all near Centralia College, downtown Centralia and I-5.

833 S Tower Avenue, Centralia

Listing Broker: Premiere Property Group, LLC; Max Mendez; 360-280-1582; maxj.08@gmail.com

$395,000

2 Beds ⋅ 1 Baths ⋅ 2591993 MLS ⋅ ACTIVE Status

Two bedroom, one bathroom home in Centralia on almost an acre of land with a brand new roof! French doors lead to expansive backyard with countless options for every lifestyle or interest. So much room for activities! Space for animals, homesteading, gardening and more! Fruit trees, a shed, a massive fire pit area and a custom built chicken coop. The detached garage is extra deep with tons of room for storage. Inside you will find a beautifully updated, open concept home. Two spacious bedrooms plus a bonus room which could easily be an extra bedroom! Schedule your showing today!

2018 Foron Road, Centralia

Listing Broker: Real Broker LLC; Matt Wilson; 360-556-0338; Matt@PurposeRealtyWA.com

$625,000

2 Beds ⋅ 3 Baths ⋅ 2590604 MLS ⋅ ACTIVE Status

Stunning home on peaceful half acre welcomes you with beautiful views & warm, natural light. Ultimate Chef's kitchen overlooking your great room is positioned to capture views & features custom cabinetry, granite countertops, bar seating, triple oven, stainless appliances & walk-in pantry. Main floor has 1 Bd and 1 Den/Office (easily makes comfortable Bedroom) with Full Bath in between. Primary suite on upper floor is designed for maximum comfort & seclusion. Five-piece en-suite bath w/dual sinks, heated floors, soaking tub & granite slab walk-in shower. Recent upgrades include brand-new custom-built deck, railing, front steps, bathroom vanity & exterior paint. Massive 3-car garage w/electric car charger & adjacent finished room in basement. Enjoy park-like setting with outdoor firepit, mature trees, abundant birds & local wildlife. You are surrounded by country atmosphere, yet located just minutes from historic downtown, schools, hospital & I-5. Check out Video Tour & Floor plan. An opportunity you can't afford to miss.

137 Northridge Drive, Centralia

Listing Broker: Windermere Centralia; Melissa R. Wallace; 360-880-0626; mwallace@windermere.com

$565,000

3 Beds ⋅ 2 Baths ⋅ 2587186 MLS ⋅ ACTIVE Status

A glimpse of the mountains from your expansive new deck is just the beginning! This updated 2,592+/- sq ft home sits on .46+/- acre and offers 3 bedrooms PLUS a den/office/craft room and 2 bathrooms, including one with a jetted soaking tub. An abundance of natural light fills the main level, where the open-concept kitchen flows into the living spaces and a two-way gas fireplace brings warmth to the heart of the home. The spacious primary suite has French doors leading directly outside—an easy place to start the morning or wind down at the end of the day. Downstairs is where this floor plan really opens up the possibilities. The finished walk-out daylight basement is set up for multigenerational or separate living with its own exterior entrance, kitchen area, bedroom, bath, laundry and living space. Use it for extended guests, a dedicated work-from-home space, hobbies or simply another place to spread out—the flexibility is already here. Fresh interior paint, a new roof, composite decking and modern railing are already done. Outside, the fully fenced yard offers garden space and plenty of room to enjoy the outdoors, and all appliances stay. With nearly half an acre, thoughtful updates and two levels of truly flexible living space, this is one you’ll want to see in person!

1715 Ham Hill Road, Centralia

Listing Broker: Olympic Sotheby's Int'l Realty; Kim Witham; 360-269-2665; kimwitham@olympicsir.com

$630,000

4 Beds ⋅ 4 Baths ⋅ 2587458 MLS ⋅ ACTIVE Status

WOW! No expense was spared in this stunning Centralia home, completely updated with luxury finishes throughout & offering all the feels of NEW and everyone LOVES the huge shop out back! The gorgeous, sprawling kitchen is the heart of the home, featuring luxury appliances, stunning granite countertops, & beautiful finishes. Thoughtfully updated throughout, the home also features new flooring, updated windows, new siding, new roofs, & fresh interior & exterior paint. The upper level offers 3 bedrms & 2 baths, while the lower level provides incredible versatility with a large bonus room, 4th bedroom, & brand-new ¾ bathroom—perfect for guests, recreation, or an ADU/MIL suite. Step outside to an expansive, fully fenced yard just shy of ¾ acre, featuring a large patio & professionally landscaped, park-like grounds. Enjoy your morning coffee or entertain guests in the peaceful, private setting. There's plenty of room for pets, gardening, hobbies, & toys & the massive 50x30' shop offers abundant room for projects, vehicles, storage, & more, complete with a built-in office perfect for running a business. The 24x40' RV carport provides additional covered parking, while the expansive property offers room for all your vehicles & recreational toys. This rare property offers the best of both worlds—peace, privacy, & space, while being just seconds from shopping, dining, & freeway access. This home truly checks all the boxes!!

617 Oakland Avenue, Centralia

Listing Broker: Keller Williams Rty Tacoma; Tim Park; 253-732-7133; parktim8@gmail.com

$299,999

2 Beds ⋅ 1 Baths ⋅ 2576501 MLS ⋅ ACTIVE Status

Sometimes the sweetest homes are the ones that simply make life feel a little easier. Tucked in the heart of Centralia, just a block away from downtown shops, local dining, and everyday conveniences, this charming 2-bedroom 1-bath rambler is full of the kind of character that invites you to slow down and settle in. Inside, an abundance of windows fills the home w/ natural light, creating a bright and welcoming feel. The spacious living room offers a comfortable place to gather, unwind, or curl up at the end of the day. With an easy layout, this is a home that feels approachable from the moment you walk through the door. Then… there’s the backyard! A little slice of outdoor space ready to become whatever you dream up. Fully fenced and generously sized, offering room for entertaining under the open sky, a place to wander, or simply a quiet spot to enjoy your morning coffee. An established apple tree adds a touch of charm, while 2 raised garden beds are ready for flowers, herbs or your first crop vegetables. A large storage shed provides plenty of room for tools and any additional storage needs! There’s a certain beauty in a home that doesn’t try too hard. It’s comfortable, bright, wonderfully located and full of simple possibilities. Just a block from the heart of downtown and ready for its next chapter, this Centralia rambler is the kind of place where you can start making memories and make it a place to call home.

118 N Buckner Street, Centralia

Listing Broker: eXp Realty; Jaclyn Messer; 360-485-7300; jmesser@dtrhomegroup.com

$374,900

2562786 MLS ⋅ ACTIVE Status

Whether you're looking to invest or owner-occupy, this charming duplex is full of opportunity! Situated on a spacious corner lot in a highly desirable neighborhood, this well-maintained property offers a strong rental history and an ideal layout. Each unit features 2 generously sized bedrooms, 1 full bath, and comfortable living spaces designed for everyday living. Recent updates include a newer roof and plumbing, providing added peace of mind. A detached garage, ample off-street parking, and close proximity to schools, shopping, restaurants, and everyday amenities make this a standout investment. Live in one unit and rent the other, or add this turnkey duplex to your investment portfolio!

517 Center Street, Centralia

Listing Broker: BHGRE - Northwest Home Team; Terry Wentworth; 360-304-2179; terrywentworth@nwhometeam.com

$379,900

4 Beds ⋅ 1 Baths ⋅ 2553768 MLS ⋅ ACTIVE Status

Welcome home to this beautifully updated 4-bedroom Craftsman in Centralia's charming Edison District! Ideally located just minutes from the vibrant downtown, the renowned antique district, Washington Park, and an incredible variety of local restaurants and shops, this home also offers an easy commute to Olympia or Longview.Inside, you'll find the perfect blend of timeless character and modern updates, including refinished original hardwood floors, newer flooring, a completely remodeled kitchen, fresh interior and exterior paint, and a cozy wood-burning fireplace that adds warmth and charm.Situated on a desirable corner lot outside the flood zone, the property features an impressive oversized shop—ideal for extra vehicles, hobbies, a workshop, storage, or all your toys. If you've been searching for classic Craftsman character with today's updates and exceptional shop space in one of Centralia's most sought-after neighborhoods, this is the one! Fiber Optics is available within a few weeks!!

928 F Street, Centralia

Listing Broker: BHGRE - Northwest Home Team; Leslie A. Myers; 360-508-6436; lmyerscollection@gmail.com

$375,000

2 Beds ⋅ 1 Baths ⋅ 2531337 MLS ⋅ ACTIVE Status

Location! Location! Location! You will love this charming single-story craftsman home in a peaceful neighborhood! This 2-bedroom has undergone many recent upgrades, including newer flooring, double-pane vinyl windows, a newer roof, and, most recently, a new forced-air furnace with a heat pump. The living room is spacious and comes complete with a stately brick fireplace, a mounted flat-screen TV with a sound bar, and a ceiling fan. The kitchen has a breakfast nook, stainless steel appliances, and ample cabinetry. The home's curb appeal is second to none, with a covered front porch with a beautiful stamped concrete finish, a massive driveway with plenty of room for guests or an RV (or both). The yard is fully fenced, has a patio, and an 8x12 shed. Place this turnkey home on your "must see" list and schedule a personal viewing appointment today!

807 S Pearl Street, Centralia

Listing Broker: Windermere Northwest Living; David Thelin; 360-749-5667; davidthelin@windermere.com

$475,000

3 Beds ⋅ 3 Baths ⋅ 2529883 MLS ⋅ ACTIVE Status

Buyers financing fell through on closing day! Their loss is your gain! Lovingly owned and meticulously maintained by the original family since 1979, this timeless split-level home offers stunning views of Mount Rainier, the surrounding hills, and valley from the expansive back deck and patio. The beautifully landscaped yard blends mature greenery with thoughtful updates, including elegant slate stepping stones that enhance the home’s inviting outdoor spaces. Inside, pride of ownership shines throughout with gorgeous wood-paneled ceilings in the bedrooms, solid wood cabinetry, hardwood flooring in the kitchen and lower level, and durable LVP flooring in the bathrooms. The spacious primary suite features double closets, while an additional upstairs bedroom includes its own en suite bath—ideal for guests or multi-generational living. Enjoy year-round comfort with newer mini-splits providing energy-efficient heating and A/C, plus the warmth of a wood-burning fireplace that has been regularly inspected and serviced with annual chimney sweeps. Brand new roof! Additional updates include vinyl windows, new interior doors and trim, and an insulated garage. Septic system is in good condition and home is connected to city water. A rare opportunity to own a truly cherished home with breathtaking scenery and decades of exceptional care.

1611 Ham Hill Road, Centralia

Listing Broker: Blade Realty LLC; Heather Stewart; 360-508-1320; heather@heatherstewartrealty.com

$779,000

4 Beds ⋅ 3 Baths ⋅ 2523578 MLS ⋅ ACTIVE Status

Exceptional opportunity in Centralia with M-1 Lewis County zoning, offering remarkable flexibility for residential buyers, investors, and owner-users alike. Set on 2.06 acres, this unique property features a 2,018 sq ft main home, a detached 960 sq ft ADU, and an impressive 40'x60' outbuilding, creating a rare combination of comfort, utility, and potential. The main residence offers 3 baths and a flexible 5-bedroom layout, with septic approval for 4 bedrooms. Rich in warmth and character, the home includes a wood-burning stove, a central fireplace, and an additional fireplace in one of the bedrooms. The detached 2-bedroom, 1-bath ADU is well suited for extended living, guest accommodations, rental income, or private office space. The large outbuilding provides abundant room for storage, equipment, hobbies, workshop use, or business-related needs. Fruit trees including apple, pear, and plum add to the property's charm and usability. Currently served by private well and septic, with water, sewer, and gas available in the street, this property offers added flexibility for future plans. A rare chance to own a versatile property with residential comfort and commercial appeal in a convenient Centralia location. Buyer to verify intended uses, zoning, and utility availability to their satisfaction.

3903 Harrison Avenue, Centralia

Listing Broker: Keller Williams South Sound; Dera Hicks; 346-814-2558; derahicks@place.com

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98531 Homes with State Bond Terms

Newest 98531 Homes with State Bond Terms

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How much is your home worth?