Washington VA home loans and military homeowners, illustrated family and Mount Rainier

Lakebay WA Homes Marketed for VA Financing

Find Lakebay homes and condos whose MLS financing terms include VA Loan. Compare Pierce County alternatives, review official eligibility resources and ask for a search matched to your purchase timeline.

A VA financing tag is a search aid, not VA approval. Eligibility, lender underwriting, appraisal and property requirements must be confirmed for the actual transaction. Condo project eligibility and manufactured-home requirements need individual review.

Lakebay VA Financing Search Snapshot

On October 23, 2026, the active Lakebay search returned 38 listings marketed with VA Loan financing terms, with asking prices from $189,900 to $985,000. These are asking prices across matching property types, not appraised values or a measure of what an individual borrower can finance. Live listings below can change.

The newest sample includes Lakebay, Palmer Lake locations. Reported property types in that sample: Single Family Residential, Manufactured Home. Compare the actual property, association documents where applicable, condition and lender requirements rather than assuming every listing meets VA standards.

Recent matching listing	Asking price	Property type
20226 26th Street SW, Lakebay	$495,000	Single Family Residential
221 195 Avenue SW, Lakebay	$790,000	Single Family Residential
19518 28th Street SW, Lakebay	$298,892	Manufactured Home

Sample checked October 23, 2026. Availability and prices may change; the native MLS listings below provide the current search.

Check Your VA Home Loan Eligibility

Start with the VA's official eligibility guidance and Certificate of Eligibility process, then ask your lender to review your borrowing plan. The COE documents service-based eligibility; the lender also reviews income, credit, occupancy and the property.

Official VA Eligibility Request a Certificate of Eligibility VA Purchase Loan Guide

New VA Financing or an Assumable Mortgage?

A new VA-backed purchase loan and assuming a seller's existing mortgage are different paths. For an advertised assumption, confirm the actual loan type, balance, equity gap, approval process and seller release with the loan servicer. An MLS VA financing tag does not mean the seller has an assumable loan.

Compare Assumable Mortgage Homes Regional VA Financing Homes Military PCS Home-Buying Guide

Newest Lakebay Listings Marketed for VA Financing

Active homes, condos, townhomes and manufactured homes with VA Loan financing terms. Ask your lender to verify the specific home before relying on financing availability.

Newest Lakebay VA Financing Listings

$465,000

3 Beds ⋅ 2 Baths ⋅ 2600160 MLS ⋅ ACTIVE Status

Impeccably maintained single story home in the Palmer Lake community where pride of ownership is clear from the moment you arrive. Designed with an open concept great room and vaulted ceilings, the layout offers a natural flow that works beautifully for both daily living and gathering with friends. A wood stove anchors the space, adding warmth and a welcoming touch. The open kitchen features oak cabinetry, newer stainless steel appliances, pantry & breakfast bar. Flow seamlessly into the dedicated dining area that feels elevated from the typical eat in setup. A flexible den creates options for a home office, hobby room, or quiet escape, while 3 bedrooms and 2 full baths provide a layout that simply makes sense. The primary suite includes a private bath & walk in closet. Step outside to a wraparound deck overlooking a .22 acre lot, offering space to relax, entertain, or enjoy the outdoors. Located in the Palmer Lake community, this home offers a comfortable lifestyle in a setting that feels tucked away yet connected. View today!

1704 197th Avenue SW, Lakebay

Listing Broker: Crafted Real Estate; Brittney Bell; 360-731-7177; bell@craftedre.com

$645,000

3 Beds ⋅ 2 Baths ⋅ 2599592 MLS ⋅ ACTIVE Status

Move-in ready one-story home on nearly 1 acre of privacy in desirable Lakebay! This 3-bedroom, 2-bath home offers an open-concept layout with soaring 9ft vaulted ceilings. The kitchen features white cabinets, a large island, tile backsplash, a pantry, and quartz countertops - perfect for entertaining. Unwind in the primary suite with a spa-like 5-piece bath and a spacious walk-in closet,or relax outside on the covered patio overlooking gorgeous territorial views. A 2-car attached garage offers plenty of storage and parking, while central A/C keeps things comfortable year-round. Located on a quiet cul-de-sac with a paved road, sidewalk, and community lighting, this home offers the perfect blend of privacy and convenience. Don't miss this move-in ready gem!

1515 188th Avenue SW, Lakebay

Listing Broker: Real Broker LLC; Stephanie Urquhart; 253-973-8222; surquhart@yahoo.com

$275,000

3 Beds ⋅ 2 Baths ⋅ 2598393 MLS ⋅ ACTIVE Status

Experience all that lakefront living has to offer, while recreating or relaxing from this one-level view home ideally situated on a premier lot adjacent to Palmer Lake. Complete with picturesque gardens and a lawn that gently slopes toward the lake, the property offers a sense of peaceful retreat and endless opportunities from the private community swimming and fishing docks, picnic areas, and park. Bordered by a green belt for privacy, the home features 3 bedrooms and 2 baths, living room connected to a large kitchen with dining space, newer floors, patio for entertaining, fenced back yard, and ample parking. Appreciate the Palmer Lake sense of community and enjoy nearby Joemma and Penrose State Parks on the Puget Sound.

19116 21st Street SW, Lakebay

Listing Broker: eXp Realty; Berklee Olson; 209-819-0528; berkleeo@gmail.com

$495,000

3 Beds ⋅ 2 Baths ⋅ 2595109 MLS ⋅ ACTIVE Status

Enjoy room to spread out on 2.5 wooded acres with this spacious 3 bed, 2 bath home offering nearly 1,800 sqft of comfortable single-level living. A light-filled interior welcomes you with generous living and dining spaces, warm laminate flooring, skylights, and a freestanding wood stove that creates a cozy focal point for those chilly PNW nights. The roomy kitchen offers abundant cabinetry, useful island, plenty of countertop space, and an easy flow into the dining area. French doors, ceiling fans, double-pane windows, and a private primary suite with attached bath add to this home’s everyday comfort. A dedicated utility room with washer and dryer provides added convenience as well. Outside, the property offers a peaceful blend of open, level areas and mature trees with plenty of space for gardening, recreation, hobbies, or simply enjoying the privacy. An impressive 960 sqft of garage space with built in work space, 2 bays + an RV height door, plus additional outbuildings for storage & hobbies. This property provides excellent room for vehicles, projects, equipment, and storage. Located in Lakebay on the beautiful Key Peninsula, enjoy a quieter, more rural lifestyle surrounded by the natural beauty of the Pacific Northwest. Nearby parks, trails, beaches, and Puget Sound recreation offer endless opportunities to get outdoors, while Key Peninsula Hwy provides access to local amenities and connections toward Gig Harbor and beyond.

20226 26th Street SW, Lakebay

Listing Broker: Keller Williams Realty; Drake Robert Romeo; 253-514-0575; drakeromeorealty@gmail.com

$770,000

5 Beds ⋅ 3 Baths ⋅ 2594873 MLS ⋅ ACTIVE Status

Experience an extraordinary blend of elegance, tranquility & timeless beauty in this stunning 5-bedroom, 2.5-bath residence offering 2,776 sq ft on 1.45 acres of level, fully fenced grounds. Surrounded by breathtaking, storybook scenery, this exceptional property is picturesque! A beautiful entryway adorned with elegant wainscoting welcomes you into beautifully appointed living spaces, including formal dining, inviting living areas & a charming sitting area/room in the front to enjoy your surroundings. Remodeled kitchen showcases quartz countertops, beautiful cabinets, pantry and beautiful backsplash. Luxurious main-floor primary suite offers a peaceful retreat-beautifully painted, walk in closet 5 pc bathroom with windows to the back yard. Upstairs - discover generously sized bedrooms & an expansive loft with endless possibilities. Entertain effortlessly on the impressive oversized deck overlooking your picturesque acreage. Exceptional amenities include a NEW 2026 roof with transferable warranty, 2024 generator, EV charger, A/C & oversized garage. A rare opportunity to enjoy refined living, expansive grounds & an enchanting setting straight from the pages of a storybook. Truly unforgettable!

221 195 Avenue SW, Lakebay

Listing Broker: Skyline Properties, Inc.; Rachel E. Jones; 253-604-6000; RachelJonesSells@gmail.com

$298,892

3 Beds ⋅ 2 Baths ⋅ 2594777 MLS ⋅ ACTIVE Status

Bring your own personal touches to this sparkling freshly remodeled 3 bedroom 2 bath Manufactured home. Brand new Kitchen, all fresh Paint, new flooring, windows and recent roof and water heater make this the maintenance free path to community water front good times! Its big back yard is a wonderful private haven.

19518 28th Street SW, Lakebay

Listing Broker: Realty West Properties; David B. Watkins; 206-510-7672; thedbwatkins@gmail.com

$379,500

3 Beds ⋅ 2 Baths ⋅ 2594801 MLS ⋅ ACTIVE Status

Welcome to Palmer Lake Community and private access to the Waterfront, Dock, Playground and Park. Truly a gem in the NW Living on the Key Peninsula. Joemma Park and Penrose State Park just around the corner too ... Enjoy fishing, kayaking, boating, crabbing, and more at these saltwater parks. This home has just undergone a fresh update with all new carpeting, appliances, a landscaping refresh, and it is sparkling clean! Over 1500 SQ FT of living space with 3 Bedrooms, Den/Office, 2 Full Baths and an Open Design layout! Flooded with natural light with skylights, kitchen access to the Dining Room, Breakfast Nook and Eating Bar. A very spacious feeling with vaulted ceilings and windows facing East & West for all day sunshine. Entry Porch and Rear Deck... Partially fenced and there is a storage building. Loads of parking and a corner lot. HOA fee is just $230 per YR... covers the park, picnic tables, restrooms, lake access and the lake is stocked for year round fishing! Easy commute to both Port Orchard, Purdy, and Gig Harbor!

2621 194th Avenue SW, Lakebay

Listing Broker: John L. Scott, Inc.; Rhonda Edwards; 360-731-5988; RhondaEdwards@johnlscott.com

$474,999

3 Beds ⋅ 2 Baths ⋅ 2593773 MLS ⋅ ACTIVE Status

A private setting, room to spread out and fresh updates await on approximately 1.7 acres in Lakebay. This 1,546 sq ft single-level home offers 3 bedrooms, 1.75 baths and an expansive recreation room. Vaulted ceilings enhance the open living spaces, while new luxury vinyl plank flooring extends through the main living area, kitchen, dining area, laundry and hallway. The kitchen features a walk-in pantry and brand-new stainless steel appliances, including a French-door refrigerator, range, microwave and dishwasher. The primary suite includes a walk-in closet and attached bath, with new carpet in all bedrooms. Additional updates include a new water heater, in-wall A/C unit and LED light fixtures throughout. Enjoy outdoor gatherings beneath the covered picnic area or evenings around the fire pit. A storage shed and fencing along two sides round out this spacious property.

516 Tiedeman Road SW, Lakebay

Listing Broker: Windermere Real Estate/East; Tammy Yao; 650-288-8242; tammy@vestus.com

$386,500

3 Beds ⋅ 2 Baths ⋅ 2587463 MLS ⋅ ACTIVE Status

Assumable 4.5% VA loan available to qualified buyers, including non-veterans, subject to lender approval! Approx 362k balance on mortgage. Enjoy a fixed interest rate with no mortgage insurance and a current principal and interest payment of approximately $1,989/month, excluding taxes and insurance. Built in 2021, this home features an open-concept living area, spacious kitchen with breakfast bar, dining area, and flexible office space. The primary suite offers a private full bath and walk-in closet. Set on approximately 0.27 acre with a partially fenced yard and storage shed. Enjoy Palmer Lake community amenities, including lake access, private beach parks, boat launch, dock, picnic area, and basketball court. Discover newer-home comfort and an attractive financing opportunity on the Key Peninsula.

19518 18TH Street Ct SW, Lakebay

Listing Broker: Pellego, Inc.; Vito Dunmire; 253-237-2145; Vito@iSellHousesWA.com

$985,000

6 Beds ⋅ 2 Baths ⋅ 2582944 MLS ⋅ ACTIVE Status

Incredible opportunity to own & enjoy spectacular waterfront on the Von Geldern Cove in Lakebay with 50 feet of prime low bank frontage! Escape the hustle & bustle to enjoy beautiful sunsets as you listen to the seagulls on this fantastic 1.82 acre lot! Enter the nearly 3,000 sq ft home from your covered front porch & step into a large entry way welcoming you to the expansive living room with woodburning fireplace & slider to one of the covered outdoor living areas. The impressively large kitchen boasts tons of cupboards & counterspace as well as a vegie sink. The spacious dining room provides plenty of space for large gatherings & wonderful views of the bay. 2 bedrooms & a full bath upstairs. Head downstairs to another huge living area complete with pool table, an additional covered outdoor living area, 4 more bedrooms, a full bath & utility room. Step outside to a 1,296 sq ft shop with power & water that offers plenty of indoor parking for all your toys & an upstairs loft for storage plus more beautiful views of the bay. Add'l parking in the 2-car carport. The incredible large yard offers an abundance of mature landscaping, fruit trees & tons of room for games & gardening. The 2009 pier is 6' wide & 30' long with a 26' x 3' aluminum ramp & a 20' x 8' floating dock supported by 4 steel piers built by Marine Floats. 2 tax lots totaling 1.82 acres. Excellent clam & oyster beds! Could make a perfect AIRBNB for large groups! A little TLC will go a long way here! Welcome Home!

1220 166th Avenue Ct NW, Lakebay

Listing Broker: Best Choice Realty LLC; Khristina Swanson; 253-653-8557; khristina.swanson@comcast.net

$512,500

2 Beds ⋅ 2 Baths ⋅ 2582223 MLS ⋅ ACTIVE Status

Custom built, wonderfully designed 2 BR home with absolutely to die for 1564 sq ft 6 car detached heated, and finished garage!!! The home was exquisitely designed, equipped and built with so many special unique features! Incredible bank of pictures windows in the great room with soaring cathedral ceilings brings in so much natural light! Separate dining room with built in bookshelf and cabinets! Efficient smaller kitchen with wood cabinetry, gorgeous slab quartz countertops with single bowl drop-in undermount sink, and all newer stainless appliances. The home basically has 2 primary BR set-ups, with a large main floor BR with bathroom right next door with special walk-in tub shower unit. The upstairs boasts a primary suite with amazing 3/4 bath with walk-in custom tiled shower! Upstairs laundry with built-in cabinetry and sink. Every part of this home boasts natural wood trimmed windows, doors & so many built-in, well thought out cabinetry and storage features. The 1564 sq ft garage is AMAZING, and worth the price of this home alone! The garage is heated, insulated, and full of cabinetry, air compressor system, car lift and more! Back-up, propane powered generator system for home and garage! Two sheds, one with a heated office. Manicured yard with mature landscaping and full sprinkler system! This is simply a one of a kind property! Hurry!

19117 21st Street Ct SW, Lakebay

Listing Broker: RE/MAX Northwest; Larry Tuell; 253-312-1757; lartuell@msn.com

$429,950

3 Beds ⋅ 2 Baths ⋅ 2572115 MLS ⋅ ACTIVE Status

Private charming 3 bedroom house sitting on 1 1/4 acres in a park like setting. Two full bathrooms, dressing area, kitchen, dining area, den, living room, and laundry room. There are beautiful aluminum ramps for easy access for handicap accessibility. All new paint inside and new laminate flooring thru out the house. A new roof was professionally installed this year. The house comes with 1/4 share in the well that serves the house. It is move in ready and just waiting for a new owner.

16119 Pollack Drive NW, Lakebay

Listing Broker: MLS4owners.com; Chris C. Nye; 253-460-1900; sales@mls4owners.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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