Castle Rock Homes with USDA Loan Terms

Castle Rock Homes with USDA Loan Terms

Castle Rock is a charming city located in Cowlitz County, Washington. Situated in the beautiful Pacific Northwest region of the United States, Castle Rock offers a picturesque setting with stunning natural landscapes and a close-knit community atmosphere.

For homebuyers looking for affordable housing options, Castle Rock provides an excellent opportunity with homes that qualify for USDA loan terms. The USDA (United States Department of Agriculture) loan program offers attractive financing options to low and moderate-income families in rural areas. With Castle Rock's rural location, many homes in the area are eligible for USDA loans.

These loans come with several benefits, including low-interest rates, no down payment requirement, and flexible credit requirements. This makes homeownership more accessible and affordable for those who may not qualify for conventional loans. With USDA loan terms, Castle Rock residents can enjoy the benefits of homeownership while taking advantage of the city's peaceful and scenic surroundings.

Whether you're a first-time homebuyer or looking to relocate to a more affordable area, Castle Rock's homes with USDA loan terms provide an excellent opportunity to achieve your homeownership dreams. Don't miss out on the chance to own a home in this charming city and enjoy the benefits of living in a close-knit community surrounded by nature's beauty.

Newest Castle Rock Homes with USDA Loan Terms

$325,000
3 Beds ⋅ 1 Baths ⋅ 2569009 MLS ⋅ ACTIVE Status
This adorable home with fresh exterior paint is nestled into Castle Rock's downtown core! 3 Bedrooms, 1 Bathroom with updates to flooring, a complete bathroom remodel, newer appliances and heatpump. Fully fenced front and back yard with a chicken run, storage shed and covered deck. One car attached garage for storage or parking plus concrete driveway parking. Located half a block from the dike trail, skate park, bike park, and sports courts. Also under a mile from schools, a Cowlitz River boat launch, fairgrounds and downtown restaurants and conveniences. Whether you need to get to the freeway quickly for a work commute, or you want to be on the river fishing, this home is conveniently situated close to it all! Move in ready - come take a peek.

513 SW Diane Street, Castle Rock

Listing courtesy of Key Results Real Estate.

$510,000
3 Beds ⋅ 3 Baths ⋅ 2561945 MLS ⋅ ACTIVE Status
Tucked away on over an acre, this well-loved split-level home offers privacy and peaceful surroundings just over five minutes from I-5. Thoughtfully maintained with a newer roof, updated windows and flooring, plus two wood-burning fireplaces. All bedrooms are upstairs, while the lower level features a spacious multipurpose family room with a wood-burning fireplace. Outside, enjoy a wraparound deck with several places to relax and take in nature, a large fenced area for pets or play, and additional land with room to garden, create, or make it your own. An expansive grassy front yard and newly paved driveway complete this special property.

1006 Sandy Bend Road, Castle Rock

Listing courtesy of Realty One Group Pacifica.

$517,000
3 Beds ⋅ 2 Baths ⋅ 2560354 MLS ⋅ CONTINGENT Status
Picture yourself sitting on the swing, tucked under a cedar pergola, between the fruit trees. There's a great breeze and you just know you're home. It's the kind of place people dream of. That's what you'll find here: shade, privacy, and enough space to actually do more.This Castle Rock home has room for everyone and everything, with loads of parking plus a gravel pad for the RV or boat, and a shop that gives you space for toys, tinkering, or storage.Pull into the attached garage and you're in the house without a drop of rain every getting on you. Coming into the kitchen, you'll find stainless steel appliances, dark cabinets, and beautiful tile work that ties it all together. There's a great sized pantry, new flooring throughout the house, vinyl windows, HVAC to keep you comfortable in every season, and a brick fireplace in the living room for the months you'll just want to stay inside. A covered patio is right off the dining room slider for whenever you want to move the party outside.Single level with an easy layout. The primary bedroom has his and hers closets and its own 3/4 ensuite. The main hallway bath has a few high tech features you should definitely check out. Less than 10 minutes to I-5, shopping and restaurants.Come on over...sit on the swing and we promise...you'll get it.

202 Waters Road, Castle Rock

Listing courtesy of Realty One Group Pacifica.

$649,975
3 Beds ⋅ 2 Baths ⋅ 2551454 MLS ⋅ ACTIVE Status
Come home to a place that makes you exhale the moment you arrive. Set on a almost 1 acre spacious lot in a sweet neighborhood setting, this beautiful custom-built 3bd, 2bth ranch offers fresh air, natural light, green surroundings, and easy single-level living. From the welcoming entry with 9-foot ceilings and warm flooring, the home feels calm, comfortable, and thoughtfully designed for everyday life. The formal living room offers a peaceful place to visit or unwind, while the kitchen, dining, and family room create the heart of the home. The layout feels open and connected, yet still has just enough separation to keep daily life relaxed and functional. The kitchen shines with quartz countertops, tile backsplash, custom cabinetry, stainless steel appliances, built-in range, microwave, oven, generous pantry, and beautiful natural light. Wide hallways add to the spacious feel, and the landing area off the garage is perfect for kicking off shoes after a long day. The primary suite is light, airy, private, and spacious, with large windows, a walk-in closet, and a beautifully finished tile bathroom. Step outside and imagine quiet mornings with coffee, summer evenings on the back patio, and just enough yard space to enjoy without feeling overwhelmed. It feels tucked away, yet keeps you close to town, freeway access, and everyday conveniences. Conveniently situated between PDX and Olympia, this home brings comfort, location, and lifestyle together beautifully.

108 Lily Lane, Castle Rock

Listing courtesy of Berkshire Hathaway HS NW.

$279,900
3 Beds ⋅ 2 Baths ⋅ 2529806 MLS ⋅ ACTIVE Status
Welcome home to this brand-new 2025 manufactured home offering modern comfort, stylish finishes, and the added benefit of owning the land—no space rent! This thoughtfully designed 3-bedroom, 2-bathroom home features 1,056 square feet of bright, open living space with a functional floor plan perfect for first-time buyers, or those looking to downsize without sacrificing quality. The spacious kitchen opens to the living and dining areas, creating an inviting space for entertaining and everyday living. The private primary suite includes an en-suite bathroom, while two additional bedrooms provide flexibility for guests or a home office. Situated on a 6,000-square-foot fenced lot, this property offers plenty of outdoor space for pets, gardening, or relaxing. A convenient carport provides covered parking, and the generous yard offers endless possibilities for outdoor enjoyment. Enjoy the rare opportunity to own a new home on its own land with no HOA fees and no monthly space rent. Move-in ready and built with today's lifestyle in mind, this is an excellent opportunity to enjoy affordable homeownership in a beautiful new home.

102 Sir Lancelot Way, Castle Rock

Listing courtesy of Windermere Northwest Living.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2540821 MLS ⋅ ACTIVE Status
Welcome home to this lovely 3-bedroom, 1.5-bathroom gem on Westside Hwy, offering the perfect blend of comfort and functionality. Step inside to find a beautifully updated kitchen and brand-new flooring throughout. Outdoors, your hobbies have room to run wild! The property features a spacious deck perfect for entertaining, a large shed/shop area, and a separate animal shed—both ready for your creative projects. With a peek-a-boo river view and abundant parking for all your toys, RVs, and guests, this move-in-ready home is waiting for its next chapter.

4212 Westside Highway, Castle Rock

Listing courtesy of HomeSmart One Realty.

$699,999
3 Beds ⋅ 3 Baths ⋅ 2530948 MLS ⋅ ACTIVE Status
Custom Craftsman home on 5 private acres! What's not to love? Comfortable open floor plan features a separate den/office with French doors and custom shutters throughout the home. Main living area has vaulted ceilings with ceiling fan, cozy wood stove for those chilly days, and is right off the fabulous kitchen with SS appliances, quartz counters, large island with eating space, farm sink and oodles of cabinets and separate dining room for more formal entertaining. Main ensuite is spacious with large windows and roomy walk-in closet. Luxurious 5 pc bath features a clawfoot tub, separate spa like shower, more quartz counters, and tile floors. Second master bedroom with its own ensuite perfect for guests. There is a third spacious bedroom and another full guest bath. Backyard is an oasis with 11' x 21' covered patio, 12' x 29' deck, and fire pit, an entertainer's dream! Fully fenced backyard is perfect for the gardener and has an 8 x 12 shed. Already wired for generator for your convenience. Property features a pond and woods for privacy. Beautiful setting for a beautiful home.

272 Trout Lakes Road, Castle Rock

Listing courtesy of Abbey Realty Inc.

$584,990
3 Beds ⋅ 2 Baths ⋅ 2514883 MLS ⋅ ACTIVE Status
Nearly new ranch home on 2+ acres with incredible mountain views. • Built in 2025.• Over 2 acres with space for gardens, animals, a future shop, and outdoor projects. • Open great room with vaulted ceilings and abundant natural light. • Certified freestanding wood stove, central A/C, ceiling fans, and multiple exterior entrances. • Spacious kitchen with quartz countertops and modern finishes. • Private primary suite with walk-in closet and walk-in shower featuring territorial and Mt. Rainier views. • Large laundry room with utility sink, cabinetry, drawers, quartz counters, and exterior access. Great potential for a mudroom or butler's pantry. • Huge unfinished lower level included in the original builder plans. Nearly the full length of the home with excellent ceiling height and separate exterior entrance. Ideal for future living space, multigenerational living, workshop, hobby room, home gym, recreation room, or exceptional storage. • Two driveways with plenty of parking for RVs, trailers, and guests. • Frequent deer sightings, occasional wild horses, a seasonal creek, and peaceful forest surroundings. • Neighborhood views of Mt. St. Helens, Mt. Adams, Mt. Rainier, and Silver Lake. • Gated community with HOA dues of only $250 per year, primarily covering road maintenance and gated access. The 2026 county assessment of $719,900 reflected the unfinished lower level, adjusted the value to $642,700, making this an outstanding opportunity and a better value than building new.

200 Red Hawk Drive, Castle Rock

Listing courtesy of Premiere Property Group, LLC.

$299,999
3 Beds ⋅ 2 Baths ⋅ 2531418 MLS ⋅ ACTIVE Status
Charming and move-in ready 3-bedroom, 1.5-bath home in the heart of Castle Rock! This well-maintained property offers a functional layout with comfortable living spaces, abundant natural light, and plenty of character throughout. Enjoy the fully fenced yard with a brand-new fence, providing added privacy and space for pets, play, gardening, or entertaining. The large one-car garage offers extra room for storage, hobbies, or workspace needs. Ideally located near the dike path running along the Cowlitz River, perfect for walking, biking, and enjoying the outdoors. Conveniently close to schools, parks, shopping, and quick access to I-5 for an easy commute. Whether you’re looking for your first home, downsizing, or adding to your investment portfolio, this property offers a fantastic opportunity in a desirable small-town setting. Don’t miss your chance to make this home your own!

114 Cherry Street NW, Castle Rock

Listing courtesy of Kelly Right RE of Seattle LLC.

$449,000
3 Beds ⋅ 2 Baths ⋅ 2524433 MLS ⋅ ACTIVE Status
Freshly cleared backyard space creates endless opportunity to make this property your own — gardens, play space, entertaining, animals, shop potential, or simply room to relax and enjoy the privacy. Tucked away on a quiet dead-end street on just under an acre, this updated home offers a peaceful country setting just minutes from town and I-5. Thoughtfully renovated from the crawlspace to the roof, recent improvements include Hardie plank siding, fresh exterior paint, brand-new septic system, updated kitchen with stainless steel appliances, and spacious covered outdoor living areas. Inside, you’ll find a warm functional layout with all bedrooms upstairs, a private primary suite, soaking tub, large mudroom/laundry space, and generous storage throughout.

204 Conger Road, Castle Rock

Listing courtesy of Realty One Group Pacifica.

$870,000
3 Beds ⋅ 2 Baths ⋅ 2517197 MLS ⋅ ACTIVE Status
If you need a one-level home with lots of SHOP SPACE, this is the one! Sitting on 5 mostly flat acres with 3 beds, 2 baths, and a versatile bonus room that could be an office/den/formal dining or 4th bedroom. A full remodel shines with quartz countertops, hard surface flooring, and crisp color choices. Lovely primary suite with double sinks, tile and stone shower, walk in closet. The open concept layout flows seamlessly to the covered patio and fenced yard. Gather around the fire pit, or tend to raised garden beds. Bring your toys and hobbies to the ~40x68 ft shop with mezzanine storage, two 14 foot doors, one 10 foot door. Small moto track, an abundance of parking, and lots of flat usable ground. Located near the Cowlitz River for fishing and recreation, minutes to the charming town of Castle Rock. No HOA, no flood insurance required. Style, space, and the ultimate outdoor lifestyle is here. Come and live it!

195 Bay Point Drive, Castle Rock

Listing courtesy of Key Results Real Estate.

$633,500
5 Beds ⋅ 2 Baths ⋅ 2482920 MLS ⋅ ACTIVE Status
Gorgeous private setting 5 bedroom, 1.75 bath home with multi levels spanning 3 flat wooded acres tucked away from the road with its own private driveway. The perfect blend of rural living with very easy access to both the town and the I-5 corridor. 3 bedrooms upstairs with a full bath, large walk in closet in the primary room, new paint, new updates throughout the house, 2 bedrooms down stairs with a full laundry room (washer and dryer included) large covered parking with entrance to the lower area. The kitchen overlooks the beautiful trees that block the house from the main road with quartz countertops, newer flooring and bar seating opening into the dining room area. Cozy family room with a fireplace insert for ambiance and warmth. If that wasn't enough there is even an office space/bonus room on the main floor. The large covered patio flows from the dining room and kitchen helping any outdoor event you throw for friends on your manicured lawn. With a detached 720 sq ft shop/garage which can be used for just about anything your heart desires. This house has it all and then some.

410 Studebaker Spur 2, Castle Rock

Listing courtesy of Keller Williams-Premier Prtnrs.

Start Your Search
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.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.