Blaine Homes with USDA Loan Terms

Blaine Homes with USDA Loan Terms

Blaine: A Charming Coastal City in Whatcom County, Washington

Nestled in Whatcom County, Washington, the city of Blaine offers a picturesque coastal setting that attracts residents and visitors alike. Located in the United States, Blaine is known for its stunning natural beauty, friendly community, and convenient access to amenities.

Blaine boasts a prime location near the Canadian border, making it an ideal destination for those seeking a peaceful coastal retreat with easy access to both urban and outdoor activities. With its mild climate, residents can enjoy a variety of outdoor pursuits year-round, including hiking, biking, boating, and fishing.

One of the advantages of living in Blaine is the availability of homes with USDA loan terms. The United States Department of Agriculture (USDA) offers loans specifically designed to help low to moderate-income homebuyers in eligible rural areas, and Blaine qualifies for this program. These loans often come with favorable terms, such as low-interest rates and no down payment requirement, making homeownership more accessible for those who meet the criteria.

Whether you're looking for a cozy cottage near the waterfront or a spacious family home with a backyard, Blaine offers a range of housing options to suit different preferences and budgets. With the help of USDA loans, owning a home in this charming coastal city becomes even more achievable.

If you're considering making Blaine your home, you'll find a welcoming community, stunning natural surroundings, and the opportunity to take advantage of USDA loan terms. Explore the real estate market in Blaine and discover the perfect place to call your own in this coastal gem.

Newest Blaine Homes with USDA Loan Terms

$594,999
4 Beds ⋅ 3 Baths ⋅ 2571012 MLS ⋅ ACTIVE Status
This is what "move-in ready" actually looks like: fresh paint, new carpet, and a deck that's already begging for a dinner party. Inside, two separate living spaces mean movie night and quiet time can happen at once. No remote negotiations required. The updated primary shower is the kind of detail you appreciate daily, not just on move-in day. Four bedrooms and 2.25 baths across 1,920 square feet leave room to actually use: a home office that closes its door, or a guest room that isn't doubling as storage. Built in 2006, it's got the bones of something solid without the upkeep of something old. Outside, the yard is fully fenced on a corner lot. Plenty of space to plant something ambitious or let the dog run loose. The deck and pergola function are built for enjoying long evenings. Two-car garage, plus driveway and street parking so that nobody's circling the block here. Beach and downtown Blaine are both a short drive away, close enough that "let's just go" is always the plan. Homes this dialed in, at this price, don't sit around long.

4840 Outrigger Loop, Blaine

Listing courtesy of Bellwether Real Estate.

$515,000
3 Beds ⋅ 3 Baths ⋅ 2570880 MLS ⋅ ACTIVE Status
Welcome to your Birch Bay retreat, just a short stroll from the beach and the beloved The C Shop Cafe. Built in 2015, this light-filled home combines modern finishes with easy coastal living, including a peek-a-boo ocean view from the upstairs bedroom. The open-concept main level features quartz countertops, soft-close cabinetry, stainless steel appliances, and durable hardwood laminate flooring throughout. Upstairs, the spacious primary suite offers a walk-in closet and private ensuite bath, along with two additional bedrooms and a full guest bath. Step outside to a fully fenced backyard with space to entertain, garden, or simply relax after a day by the shore. Whether you're searching for a full-time residence, vacation escape, or investment opportunity, this move-in-ready home offers the perfect blend of comfort, convenience, and Birch Bay charm all close to beaches, dining, and local attractions.

4662 Alderson Road, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$562,950
5 Beds ⋅ 3 Baths ⋅ 2569466 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for October closing. Models Open Thurs-Mon 12-5PM.

4513 Noel (Lot 79) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$545,950
4 Beds ⋅ 3 Baths ⋅ 2569367 MLS ⋅ ACTIVE Status
Model Open Thurs-Monday12-5PM. Home backs to the Green Belt, no one to the South. Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. September closing, 1% in closing costs w/ Preferred Lender, all appliances included. Border Crossing is just 5 miles away.

4503 Noel (Lot 84) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$559,950
5 Beds ⋅ 3 Baths ⋅ 2569358 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for September closing.

4529 Noel (Lot 71) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$539,950
4 Beds ⋅ 3 Baths ⋅ 2569022 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Fully fenced and finished backyard, all appliances. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Home is complete. Border Crossing is just 5 miles away.

4519 Cirque (Lot124) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$679,900
5 Beds ⋅ 3 Baths ⋅ 2561045 MLS ⋅ ACTIVE Status
Nestled in the heart of Birch Bay, this inviting home offers the perfect blend of coastal living, natural beauty, and everyday comfort. Enjoy private beach access with deeded beach rights, making it easy to spend your days strolling the shoreline, kayaking, beachcombing, or simply enjoying the waterfront lifestyle. This spacious home is designed for comfortable living and entertaining, featuring multiple gathering areas, a kitchen with a large island, and the convenience of a main-floor bedroom, ideal for guests or multi-generational living. A three-car garage provides ample space for vehicles and recreational gear. Step outside to enjoy several patios and a fully fenced backyard with a storage shed, creating the perfect setting for outdoor entertaining, gardening, or relaxing in the fresh coastal air. Take in filtered bay views from the rooftop deck, the perfect spot for sunsets, morning coffee, or evening stargazing. Located in a peaceful neighborhood, this home offers a relaxing escape while remaining close to everything Birch Bay has to offer. Nature lovers will appreciate the scenic walking trails just steps away, providing year-round recreation and opportunities to enjoy the area's wildlife and surroundings. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, this exceptional property captures the best of Pacific Northwest coastal living with private beach access and beautiful bay views.

6994 Helweg Lane, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$354,900
3 Beds ⋅ 2 Baths ⋅ 2561224 MLS ⋅ ACTIVE Status
Move-in ready end-unit townhome in Blaine! This beautifully updated 3-bedroom, 1.5-bath home features luxury vinyl plank flooring throughout, a freshly painted interior, brand-new kitchen appliances, and a new deck perfect for relaxing or entertaining. The bright, functional floor plan offers comfortable living with abundant natural light. Enjoy a fully fenced backyard, storage shed, and attached one-car garage. The end-unit location provides added privacy and extra outdoor space. Conveniently located just minutes from downtown Blaine's waterfront, marina, parks, restaurants, and shops, with easy access to Semiahmoo, Birch Bay, I-5, and the Canadian border. Whether you're looking for a primary residence, first home, or investment property, this turnkey home is ready for its new owners!

1047 Adelia Street, Blaine

Listing courtesy of Buck Real Estate.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2560340 MLS ⋅ ACTIVE Status
Single-level living in Birch Bay! Built in 2001, this 3-bedroom, 1.5 -bath rambler offers 1,088 sq ft of easy one-floor comfort on a level 9,583 sq ft lot. The open living and dining area is filled with natural light from oversized windows overlooking mature landscaping, and flows to a kitchen with abundant oak cabinetry, gas range, breakfast bar island, and a charming stained glass accent window. Three comfortable bedrooms and a full bath complete the practical floor plan. Step outside to a standout backyard — fully fenced, level, and framed by towering cedars, with raised garden beds, a storage shed, and plenty of room to play, garden, or entertain. The attached 2-car garage includes a built-in workbench and generous shelving for projects and storage. Sewer connected, natural gas, paved street and sidewalks in an established neighborhood. Minutes to Birch Bay State Park, the beach, golf, and dining, with quick access to Blaine, Ferndale, Bellingham, and the Canadian border. Solid bones and a great layout.

4789 Bayshore Drive, Blaine

Listing courtesy of Muljat Group.

$590,000
3 Beds ⋅ 2 Baths ⋅ 2559371 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained rambler on a large lot in the Sea Links community, in the heart of Birch Bay. Everything on one level with no steps, the property features a stamped concrete driveway, lots of front and back yard space, garden area, 4 mature fruit bearing trees, and two decks overlooking protected shared green space which offer great birdwatching. Entering into the home, the foyer leads to the living room with vaulted ceilings, lots of windows for natural light, and a floor to ceiling river rock fireplace. In the kitchen you'll notice high quality cabinetry, all updated appliances, pantry closet and a layout that keeps you connected to the rest of the house. Two generously sized extra bedrooms each have vaulted ceilings, and the primary suite is expansive with a 5 piece bathroom, walk in closet, and sliding doors onto one of the back decks. Home features lots of west facing windows for stunning saltwater sunsets. Sea Links is a vibrant gated community just minutes to the best of Birch Bay with a private shortcut directly to the beach, next to iconic CJ's Beach House and Beach Cat Brewing.

7947 E Golf Course Drive, Blaine

Listing courtesy of Keller Williams Western Realty.

$619,000
3 Beds ⋅ 2 Baths ⋅ 2558406 MLS ⋅ ACTIVE Status
Imagine a life where every day feels like a permanent vacation. This move-in-ready, single-level gem offers three bedrooms and two bathrooms, perfectly balancing the ease of a "lock and go" lifestyle with the comfort of a full-time sanctuary. Inside, the vibe is bright and airy, featuring beautifully refreshed bathrooms and a seamless flow that leads directly to your private outdoor retreat. Whether you’re hosting a weekend barbecue in the generous backyard or savoring a quiet morning coffee on the patio, this outdoor space is designed for pure enjoyment with a fully fenced yard for privacy. Beyond your front door, you’re part of a premier gated beach community that truly defines luxury coastal living. The amenities are in a league of their own: a 24-hour guarded entrance and exclusive access to the beaches along Birch Bay. Spend your days on the golf course, hitting the pickleball and tennis courts, or lounging by the community pool. For the fishing and boat enthusiasts, the private marina outshines anything else for moorage. With a vibrant calendar of social clubs and community gatherings, the opportunities for connection and recreation are endless. This isn’t just a house; it’s your ticket to the ultimate coastal experience. Pack your bags and start living the dream!

8160 Kayak Way, Blaine

Listing courtesy of COMPASS.

$659,000
4 Beds ⋅ 3 Baths ⋅ 2558473 MLS ⋅ ACTIVE Status
Brand-New 2026 Construction in the Exclusive Gated SeaSmoke Community at SemiahmooExperience refined coastal living in this stunning 4-bedroom, 2.25-bath rambler. A vaulted ceiling and open-concept layout create an airy, light-filled space accented with elegant designer finishes throughout.The gourmet kitchen is a showpiece, featuring black quartz countertops with white veining, a full-height backsplash, a dramatic waterfall island, soft-close cabinetry, and premium appliances. A striking gas fireplace anchors the living space, while Andersen windows frame the natural beauty beyond.Built for modern living, this home boasts a Presidential roof, solar panels, an EV-ready garage, and energy-efficient systems throughout. The low-maintenance yard with a full irrigation system means more time to enjoy everything Semiahmoo has to offer—golf, marina, beaches, and scenic trails just steps from your door.Move-in ready and thoughtfully designed for the way you live.

9060 Sea Mist Lane, Blaine

Listing courtesy of Home Haven Real Estate LLC.

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