Camano Island Homes with USDA Loan Terms

Camano Island Homes with USDA Loan Terms

Welcome to Camano Island, a picturesque gem nestled in the beautiful state of Washington, USA. Known for its stunning natural beauty, Camano Island offers a tranquil escape from the hustle and bustle of city life. With its lush forests, pristine beaches, and panoramic views of the Puget Sound, this island paradise is the perfect place to call home.

If you're considering buying a home in Camano Island, you'll be pleased to know that there are plenty of options available with USDA loan terms. This means that you may be eligible for a loan with favorable terms, making homeownership more accessible and affordable. Whether you're looking for a cozy cottage by the sea or a spacious family home surrounded by nature, Camano Island has something for everyone.

Imagine waking up to the sound of waves crashing against the shore, spending your days exploring hiking trails and spotting wildlife, and ending each evening with a breathtaking sunset over the water. With its small-town charm and sense of community, Camano Island offers a lifestyle that is truly one-of-a-kind.

Don't miss out on the opportunity to own a piece of paradise in Camano Island with USDA loan terms. Contact us today to learn more about available properties and start your journey to finding your dream home in this enchanting island oasis.

Newest Camano Island Homes with USDA Loan Terms

$1,400,000
3 Beds ⋅ 3 Baths ⋅ 2574541 MLS ⋅ ACTIVE Status
Tucked away at the end of a newly paved 400-ft driveway, this private Camano Island retreat feels like it belongs in a Pottery Barn magazine. An automatic gate opens to a beautifully finished home surrounded by trees, offering exceptional privacy and quiet. Inside, warm white rift oak cabinetry, exposed beams, 9-ft ceilings and a vaulted living room create a cozy Northwest feel. The chef’s kitchen features quartz surfaces, Thermador range/oven, Bosch dishwasher, wall oven, wine fridge and walk-in pantry. The main-floor primary suite offers easy one-level living with a soaking tub and radiant-heated bath floors. Enjoy the fireplace, black-framed Andersen windows and expansive sliders that connect the living space to a covered Trex deck with tongue-and-groove ceiling, overlooking the fenced backyard, wooded setting and creek beyond. Thoughtful upgrades include a heat pump, tankless water heater, Generac generator, water treatment system, Ring security, EV-ready finished garage, solid wood garage doors, hot tub and propane BBQ hookups, plus a shed. Multiple covered outdoor spaces, including the breezeway, invite morning coffee, evening tea and year-round entertaining. Enjoy the slower pace of island living with beaches, parks, trails, golf and local dining nearby—all on an island you can drive to without a ferry. Private, polished and incredibly inviting, this is Camano living at its best.

1906 Journeys End Lane, Camano Island

Listing courtesy of Unique Lifestyle Realty.

$799,950
4 Beds ⋅ 4 Baths ⋅ 2564990 MLS ⋅ ACTIVE Status
Panoramic eastern views of Port Susan, Mount Baker, and the North Cascades, along with private beach and clubhouse access through the Camano Country Club, make this beautifully updated Camano Island home a rare opportunity. Expansive windows and a spacious view deck bring the breathtaking scenery into the heart of the home, creating the perfect setting for morning coffee, entertaining, or simply enjoying the ever-changing Northwest landscape. The 3,344-square-foot home offers 4 bedrooms, including two primary suites, 3.25 bathrooms, and a dedicated office, providing exceptional flexibility for multigenerational living, guests, or working from home. A private entrance to the fully finished daylight lower level offers additional options for extended living or potential rental use, subject to buyer verification. Three fireplaces, including one on each level, and a hot tub overlooking the views provide year-round comfort and relaxation. Outside, the generous yard offers room for gardening, entertaining, and enjoying island life. An attached garage, detached garage, RV parking, and abundant storage provide space for vehicles, boats, and outdoor gear. Enjoy the lifestyle that comes with Camano Country Club, where private beach and clubhouse access put kayaking, paddle boarding, beach combing, and waterfront sunsets just moments from your doorstep.

1462 SE Camano Drive, Camano Island

Listing courtesy of Pellego, Inc..

$615,000
3 Beds ⋅ 1 Baths ⋅ 2554442 MLS ⋅ ACTIVE Status
Welcome to 835 Livingston Bay Shore Road - a charming 3-bedroom, 1-bathroom rambler perfectly situated on the North-end of Camano Island. Experience the ultimate Pacific Northwest lifestyle with the rare convenience of drive-on accessibility to the "no-ferry island." Beach rights grant you direct access to the exceptionally warm summer waters of Livingston Bay, creating an idyllic backdrop for swimming, paddleboarding, and sun-soaked beach days. Inside, the home features a functional, light-filled layout detailed with classic hardwood floors, expansive bright windows and a cozy fireplace. It offers the perfect amount of space to serve as a peaceful weekend getaway or a low-maintenance full-time residence. Adding to its incredible value, this property also boasts a proven track record as a successful Short-Term Rental (STR). Situated on a generous lot, the exterior showcases mature, low-maintenance landscaping designed for pure relaxation. While you will feel miles away from the hustle and bustle, you are only minutes from local amenities, shopping, and dining. Discover the magic of Livingston Bay and claim your own slice of island paradise. Welcome home.

835 Livingston Bay Shore Drive, Camano Island

Listing courtesy of North48 Real Estate.

$589,950
3 Beds ⋅ 2 Baths ⋅ 2563403 MLS ⋅ CONTINGENT Status
Welcome to 1 of the best Remodeled 1 story homes on Camano Island. Just steps away from the Private Saltwater Beach Community on Lovely Camano Island. hard to find private BOAT LAUNCH included in EXCLUSIVE members only keyed access to 9 acre park with about 1500 +/- low bank waterfront at the bottom of this bluff, picnic tables, camping, games, birdwatching and BBQ. This no stairs home features generous 3 bedrooms and full bath with tub and private primary 3/4 bathroom with new shower. Don’t miss the state-of-the-art culinary setup that's equipped with a large island and a range of special features, high end appliances, accessories that make cooking gourmet, exotic, and specialty foods from scratch in your gourmet kitchen, Oversize island, all new water resistant flooring, fresh paint in and out that's very modern and chic, NEW ROOF will save you thousands immediately , attached 2 car garage, fun clean Hot Tub, front yard highlights a putting green, 19' dog run, Open, bright and spacious floor plan makes living here a dream, Enjoy no stairs in this head to toe remodel from 2025, Make sure to visit the campfire area and crabbing, wildlife galore to explore. Please note this beach is available all year long access. Onamac is perfect for whale watching from the shore as a added bonus, This is a great chance to enjoy the Waterfront community for years to come. There is still space to build additional buildings on the large side yard and room for every RV or toys imaginable

749 Commodore Lane, Camano Island

Listing courtesy of Michael J Real Estate LLC.

$579,000
2 Beds ⋅ 2 Baths ⋅ 2561780 MLS ⋅ ACTIVE Status
Incredible beach-home package on an oversized 0.415-acre lot on a quiet, paved cul-de-sac in the Onamac Beach community. Coveted and sought-after by islanders as having the BEST private beach, it is gated, paved and features a full boat launch with washdown hose and trailer parking, & three camping/trailer spots available for reservation by members. Picnic tables, horseshoe pits, barbecue stations, and more than 1,300 feet of sand-and-pebble deep-water shoreline on prime NW Camano Island for year-round enjoyment! Home and property have been well cared for—clean, neat, and move-in ready. Two generous bedrooms plus a den/office, including a private primary suite with an attached bath. The open floor plan includes two large living rooms and a wood-burning fireplace. The kitchen boasts an eating bar, bright appliances, and a dining area that steps outside to a fenced, gated patio/yard for outdoor living. Level, no-step garage with shop space, plus additional guest and boat/trailer parking. Huge, flat, landscaped grassy area for play and privacy, plus two detached garden sheds and raised beds. Located in the heart of the Sun Belt, this idyllic seaside community is just minutes from shopping, restaurants, and farmer’s markets—yet offers an easy commute to I-5 and Seattle. A rare, hard-to-find combination at an unbeatable price. Your patience has paid off—Welcome Home!

740 Commodore Lane, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$614,999
2 Beds ⋅ 2 Baths ⋅ 2559129 MLS ⋅ ACTIVE Status
Discover the lifestyle you've been looking for in the gated Camaloch Community on beautiful Camano Island. This daylight rambler pairs generous living spaces with the ease of island life. Partial views of Smith Lake provide a peaceful backdrop, while the 2,304 square foot floor plan offers flexibility with two main level bedrooms, a den with closet, and an additional bonus room suited for guests, work, or hobbies. Fresh exterior paint, air conditioning, and a gas fireplace bring comfort through every season. Light-filled gathering spaces flow to an expansive deck made for slow mornings, summer dinners, and quiet evenings overlooking the surrounding landscape. A separate lower-level entrance offers added privacy for guests or multigenerational living, and the detached garage provides ample space for parking and storage. Life in Camaloch extends well beyond the front door. Annual dues include unlimited golf for two immediate household members at the community's 18-hole course, community water, two seasonal swimming pools, private access to Smith Lake for fishing, kayaking, and paddleboarding, and nearby beach access just across the road. As a full-time residence or a weekend retreat, this home offers an effortless way to experience one of Camano Island's most established communities.

352 Lochwood Drive, Camano Island

Listing courtesy of The Agency Camano Island.

$775,000
2 Beds ⋅ 2 Baths ⋅ 2559132 MLS ⋅ ACTIVE Status
Opportunity and flexibility come together in one of Camano Island's most established communities. Set across two lots with partial views of Smith Lake, this 2,304 square foot daylight rambler offers the rare chance to reimagine, expand, or simply enjoy as it is while planning what's next. The home features two main level bedrooms, a den with a closet, an additional bonus room, and a separate lower-level entrance well suited for multigenerational living, guest quarters, or a private shop like workspace. Light-filled interiors open to an expansive deck overlooking the sprawling grounds and abundant fruit trees. Fresh exterior paint, air conditioning, a gas fireplace, and a detached garage provide everyday comfort. With an additional lot included, the property offers room to create a legacy retreat tailored to your lifestyle. A thoughtful remodel, expanded outdoor living, or exploring future building, this setting provides an exceptional foundation in a community where such opportunities are increasingly rare. Life in Camaloch extends well beyond the front door. Amenities include unlimited golf for two immediate household members at the community's 18-hole course, community water, two seasonal pools, private access to Smith Lake for fishing, kayaking, and paddleboarding, and nearby beach access just across the road. With space, flexibility, and an unbeatable community setting, this is a property you'll enjoy today while investing in tomorrow.

352 & Lot 60 Lochwood Drive, Camano Island

Listing courtesy of The Agency Camano Island.

$670,000
3 Beds ⋅ 2 Baths ⋅ 2558676 MLS ⋅ ACTIVE Status
Country Living at its Best! Enjoy the peace and privacy of this meticulously maintained 3-bedroom, 2-bath home situated on .72 fenced acres. Designed for comfortable everyday living, the home features a spacious, light-filled living area with vaulted ceilings, a cozy wood stove, skylights and an open-concept kitchen with generous cupboards and counter space. A separate living room offers additional space for entertaining, hobbies, or relaxing. Step onto the expansive covered deck and take in sweeping territorial views while enjoying your morning coffee or hosting friends year-round. The manicured yard provides endless opportunities for gardening, animals, or simply enjoying the open space. The large workbench in the garage is perfect for creating and building! A detached outbuilding offers excellent storage or workspace, while the fully fenced property provides security and flexibility for pets and outdoor activities. Gather around the fire pit on summer evenings and experience the tranquility of country living, all while remaining just minutes from town, schools, shopping, and easy access to Stanwood and Camano Island. This move-in-ready property offers the perfect combination of comfort, functionality, and room to grow.

180 Kowntee Street, Camano Island

Listing courtesy of North48 Real Estate.

$849,000
3 Beds ⋅ 2 Baths ⋅ 2552553 MLS ⋅ ACTIVE Status
Beautifully remodeled & meticulously maintained, this turnkey home showcases breathtaking views of the Saratoga Passage and spectacular sunsets. Updated with high-end finishes throughout, the home combines modern comfort with the Pacific NW beauty. This tranquil property has mature landscaping and is nestled at the end of a private dead end street. Natural light shines throughout this inviting floor plan, complemented by fresh int. and ext. paint. The updated kitchen and bathrooms reflect quality craftsmanship finishes, while the spacious living areas were designed to take full advantage of the stunning water and territorial views. Step outside through the French doors to relax, entertain, soak in the hot tub or simply enjoy the peaceful surroundings as boats and whales navigate the passage, eagles soar above and the water and territorial views provide a picturesque backdrop. Whether you're searching for a full-time residence, vacation getaway, or investment property, this home offers an exceptional island lifestyle. Sought-after vacation rental with a successful Airbnb reputable history with proven income potential. The combination of premium updates, unforgettable views, and turnkey condition creates a rare opportunity for homeowners and investors. Conveniently located near beaches, golfing, two state parks, hiking trails, boating, dining, and all the recreation Camano Island has to offer, this beautifully renovated home is ready to be enjoyed from day one.

610 Maple Heights Road, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$799,000
3 Beds ⋅ 3 Baths ⋅ 2550133 MLS ⋅ ACTIVE Status
PRICE IMPROVEMENT! Breathtaking sunrise views of Puget Sound, Mount Baker and Mount Ranier from this beautiful Sierra Vista Community home with beach access at Tillicum Beach just below. Offering 3,541 sqft, 3 bdrms plus flex room , 3 baths and an elevator. Open concept main level with a spacious kitchen, living room, fireplace and walls of windows framing the spectacular eastern views. Sliders from both the living area and primary suite open to an expansive deck, creating seamless indoor-outdoor living. The daylight basement includes a 2nd fireplace, full bath, separate entry, abundant storage and flexible space ideal for guests and storage, or potential rental use. Fully fenced backyard, newer roof and exterior paint. Beautiful garden space. Embrace the Camano Island lifestyle with private beach access, endless opportunity for boating, kayaking, crabbing, fishing and hiking all while enjoying the tranquility, natural beauty and spectacular scenery that make island living so special. Just a short drive to shops, restaurants and golf.

2891 Viewmont Place, Camano Island

Listing courtesy of CB Cascade RE - Lake Chelan.

$499,000
2 Beds ⋅ 2 Baths ⋅ 2552092 MLS ⋅ ACTIVE Status
Welcome to this charming 2-bedroom, 1.75-bath home featuring warm hardwood floors, vaulted ceilings, and an open, inviting floor plan. The versatile loft offers the perfect space for a home office, guest area, or additional living space. Cozy up by the wood stove on cooler evenings or enjoy year-round outdoor living on the covered back deck. The home's attractive cedar siding and durable metal roof add timeless appeal and lasting value. Combining comfort, character, and functionality, this well-maintained home is ready for its next owner!

1649 Hemlock Drive, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$485,000
3 Beds ⋅ 2 Baths ⋅ 2546031 MLS ⋅ ACTIVE Status
Welcome to island living on beautiful Camano Island! This inviting 3-bedroom, 2-bath home offers 1,487 square feet of comfortable living, perfect for everyday life or peaceful weekend escapes. Step inside to discover a warm, welcoming interior featuring a cozy fireplace, spacious living areas, and a functional floor plan designed for comfort and ease. Outside, you’ll find dedicated garden space ready for flowers, vegetables, or your own personal oasis, along with a generously sized storage shed that provides plenty of room for tools, outdoor equipment, and hobbies. The attached garage adds even more convenience and storage, while the tranquil setting lets you enjoy the relaxed lifestyle that makes Camano Island so special. Whether you’re searching for a full-time residence, a vacation retreat, or an investment opportunity, this home offers a chance to experience the best of Pacific Northwest living, without the ferry. Ideally located near beautiful beaches, parks, hiking trails, boating, fishing, and countless outdoor adventures, you’ll have endless opportunities to explore and unwind. Come discover why so many love calling Camano Island home!

1614 Poplar Lane, Camano Island

Listing courtesy of Keller Williams Western Realty.

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