Cle Elum Homes with USDA Loan Terms

Cle Elum Homes with USDA Loan Terms

Welcome to Cle Elum, a charming city located in Kittitas County, Washington, USA. Known for its stunning natural beauty and outdoor recreational opportunities, Cle Elum is the perfect place to call home for those seeking a balance between small-town living and access to modern amenities.

Homes in Cle Elum with USDA loan terms offer a fantastic opportunity for homebuyers looking to settle in this picturesque region. With favorable loan terms and eligibility criteria, USDA loans make homeownership more accessible for individuals and families. Whether you're a first-time homebuyer or looking to relocate to Cle Elum, exploring properties with USDA loan options can help you find your dream home in this idyllic setting.

From cozy cottages to spacious family homes, Cle Elum offers a diverse range of real estate options to suit every lifestyle and budget. Imagine waking up to breathtaking mountain views, enjoying outdoor adventures in the nearby Cascade Mountains, and experiencing the warmth of a tight-knit community.

Discover the beauty and tranquility of Cle Elum, where you can create lasting memories and build the life you've always dreamed of. Explore homes with USDA loan terms and take the first step towards making Cle Elum your home sweet home.

Newest Cle Elum Homes with USDA Loan Terms

$425,000
2 Beds ⋅ 1 Baths ⋅ 2564035 MLS ⋅ ACTIVE Status
Escape to your own private mountain wilderness in this charming 2 bedroom cabin, nestled on 18 secluded acres near the scenic heights of Peoh Point and featuring mature forests, and bounties of spring trillium flowers. Located just 10 minutes from downtown Cle Elum, this rare recreational retreat perfectly balances absolute privacy with quick access to local shops and dining. Or go hiking outside your door and fishing in the Yakima river. The thoughtful layout offers a convenient bedroom on the main level, complemented by an extra large loft upstairs. Outside, a large deck provides the perfect space to unwind and take in the serene surroundings. Designed for independent, self sufficient living, the property features robust off-grid systems, including reliable propane energy, a traditional wood stove for cozy mountain nights, 300 gallon water tank, and an established private septic system. The house is also completely wired for future connection to both electrical grid and a generator. New paint inside and out, and the AWD gravel drive is freshly graded.

390 Tillman Creek Road, Cle Elum

Listing courtesy of John L. Scott, Inc..

$2,150,000
3 Beds ⋅ 3 Baths ⋅ 2556689 MLS ⋅ ACTIVE Status
40-Acre Teanaway Riverfront Estate. A Diamond in the Rough. Escape to your own private riverfront oasis on 40 spectacular acres along the Teanaway River. Open meadows surrounded by mature trees, this peaceful retreat offers the perfect blend of privacy, natural beauty, and versatility. Spend warm summer evenings relaxing in the enclosed screened porch, where the soothing sounds of the river create an unforgettable setting.The spacious 3,275-square-foot home features an open-concept floor plan designed for comfortable living and effortless entertaining. The property includes four separate tax parcels, providing exceptional flexibility for a future family compound, additional homesites, or long-term investment.Outdoor amenities abound, including a fenced garden space, mature fruit trees, a five-bay detached garage and utility building, and a 2,160-square-foot hay storage barn. With senior water rights and irrigation equipment already in place, the property is well-equipped for agricultural use.Whether you envision operating a productive hay farm, creating an equestrian retreat, establishing a private homestead, or simply enjoying an extraordinary riverfront lifestyle, this one-of-a-kind Teanaway property offers limitless opportunities.

691 Quail Drive, Cle Elum

Listing courtesy of Windermere RE Cle Elum.

$595,000
3 Beds ⋅ 2 Baths ⋅ 2554950 MLS ⋅ ACTIVE Status
Nestled on nearly 5 level acres in the sought-after Peoh Point area, this beautifully maintained property offers breathtaking Stuart Range views, established landscaping, and the perfect blend of privacy and convenience. Built in 2017, the 3-bedroom, 1.75-bath home features an open, light-filled floor plan with vaulted ceilings, a spacious primary suite, forced-air heat, central A/C, and thoughtful updates throughout. Large windows capture the surrounding mountain views while filling the home with natural light. Step outside to discover mature fruit trees, flourishing gardens, grapevines, raspberries, colorful perennial flowers, and fenced pasture that reflect years of thoughtful care. The impressive 28' x 30' detached shop with loft offers exceptional space for vehicles, hobbies, projects, equipment, or additional storage, while the level acreage provides room to garden, recreate, or simply enjoy the peaceful setting. Located just minutes from downtown Cle Elum and I-90, this property offers convenient access to Suncadia Resort, Lake Cle Elum, the Yakima River, hiking, fishing, biking, snowmobiling, and miles of year-round recreation. A rare opportunity to own nearly five acres in one of Cle Elum's most desirable locations, offering spectacular mountain views, exceptional outdoor living, and easy access to everything the Upper Kittitas Valley has to offer.

4200 Upper Peoh Point Road, Cle Elum

Listing courtesy of COMPASS.

$289,900
1 Beds ⋅ 1 Baths ⋅ 2547638 MLS ⋅ ACTIVE Status
Great opportunity for first time home buyers, rental investors, or downsizers! Located in Sunlight Waters, this one bedroom/1bath home has a versatile second room that could be used as a home office, bunk room, or guest space. Open concept kitchen with eating space features vaulted ceilings and opens to living room which is anchored around a cozy propane stove. Covered back deck for enjoying the sunny weather of Kittitas County through all seasons. Front-of-house storage, enclosed lawn equipment or toy storage, and a separate outbuilding for additional storage. Sunlight Waters amenities include access to the clubhouse, a seasonal swimming pool, and two stocked fishing lakes with beach access. Affordably priced with easy I-90 access at Elk Heights.

270 Ridge Loop Road, Cle Elum

Listing courtesy of Ewing & Clark, Inc..

$550,000
3 Beds ⋅ 2 Baths ⋅ 2543254 MLS ⋅ ACTIVE Status
Enjoy peaceful country living with stunning mountain views from this well-maintained single-level home situated on 3 usable acres at the end of a quiet cul-de-sac. Offering 3 bedrooms and 2 baths, this property combines comfort, functionality, and endless possibilities. The spacious kitchen features abundant cabinetry, newer appliances, a walk-in pantry, built-ins, and a large center island with seating, plus a separate dining area perfect for gathering with friends. The private primary suite includes a spacious bedroom, double-sink vanity, ample cabinetry, and a well-appointed bath. A versatile flex space off the living room provides room for a home office, playroom, formal dining area, or hobby space. Outside, there's plenty of room for gardening, RV parking, animals, and even building the shop you've always wanted. Located just outside Cle Elum and only 20 minutes from Ellensburg, with easy access to rivers, hiking, camping, and year-round recreation. Ideal for full-time living, a vacation retreat, or your dream homestead.

524 Sunny Meadows Drive, Cle Elum

Listing courtesy of Epique Realty.

$350,000
3 Beds ⋅ 2 Baths ⋅ 2519985 MLS ⋅ ACTIVE Status
Welcome to this spacious, beautiful, recently renovated 3-bedroom, 2-bath home offering comfort, style, and move-in-ready convenience. Fresh interior paint, new carpet, and updated flooring create a bright, modern feel throughout the home. The fully renovated kitchen features new cabinetry, updated countertops, and stainless steel appliances, with a separate dining area just off the kitchen for easy entertaining. Two generous living spaces provide flexibility for relaxing, hosting guests, or creating a home office or hobby area. The private primary suite is thoughtfully separated from the guest bedrooms and includes a large bath with dual counter space and an oversized mirror. On the opposite side of the home, two additional bedrooms and a full bath provide comfort and privacy for visitors. This home also features a tall concrete foundation and new fencing that ads both stability and attractive curb appeal. Outside, enjoy front and rear decks, new roofing, and a peaceful setting in a welcoming community along the scenic Yakima River. Residents can also enjoy fishing in the community pond.

81 Lynx Lane, Cle Elum

Listing courtesy of RE/MAX Community One Realty.

$379,999
2 Beds ⋅ 2 Baths ⋅ 2516744 MLS ⋅ ACTIVE Status
TWO-FOR-ONE! Fully Renovated Home & Detached Studio This unique Cle Elum compound offers two distinct living spaces on one expansive double lot. Located just blocks from downtown Cle Elum, 1 hour from Seattle, and 20 minutes from Ellensburg. Perfect as a primary residence with a built-in mortgage helper, a multi-generational setup, or a high-performing investment. This 2-bed 1-bath home is move-in ready with fresh flooring, new cabinets, paint, and fixtures throughout. Updated with new attic and crawlspace insulation for year-round efficiency. The property also features an attached concrete bunker where Mary Lasko ("Moonshine Mary") of prohibition fame housed her still. The press and secret house passages are still present. Located within the detached garage is a fully finished studio, featuring new flooring, wet bar, and its own full bathroom—perfect for a private guest suite, home office, or rental. Enjoy your 300 days of sunshine under the shade of the productive fruit trees and refreshed landscaping with plenty of garden space. This is truly a one-of-a-kind property!

108 Yakima Avenue, Cle Elum

Listing courtesy of CENTURY 21 Center Point.

$425,000
2 Beds ⋅ 1 Baths ⋅ 2515329 MLS ⋅ ACTIVE Status
Fully updated and incredibly versatile, this property is a smart investment with new plumbing, electrical, windows, heat pump, and AC. Zoned commercial, it offers multiple options: live in it, rent it short-term, or run a business. The home features 2 bedrooms and 1 bath upstairs, plus a finished basement with a large rec room (pool table included) and 2 non-conforming bedrooms/offices. The lot is fully fenced with room to expand off-street parking, and there's a massive detached garage for added value. Low-maintenance and move-in ready—this property offers flexibility and long-term potential. Don’t miss out!

819 1st Street, Cle Elum

Listing courtesy of Real Broker LLC.

$810,000
3 Beds ⋅ 2 Baths ⋅ 2500387 MLS ⋅ ACTIVE Status
Discover this well maintained 3bedroom + 2 bath home with beautiful finishes and large attached 3 car garage with drive thru for snowmobiles. Distinct features include solid wood doors & millwork, hickory cabinets, stone fireplace, soaring ceilings, Central A/C, radiant heat floors, large master bedroom w/door to sunroom & two walk-in closets and master bath with jetted tub. Great opportunity to own your sanctuary in the woods, go fishing, hiking, situated on wooded 11.64 acres with 282' of Yakima River frontage. Home offers easy year-round access convenient location to I-90, just 20 minutes to Snoqualmie slopes and about 1 hour from Seattle.

351 McKee Lane, Cle Elum

Listing courtesy of Summit Properties NW LLC.

$597,000
3 Beds ⋅ 3 Baths ⋅ 2466869 MLS ⋅ PENDING - BACKUP OFFER REQUESTED Status
Discover the perfect blend of rural charm and modern living in this fully remodeled 3-bedroom, 2.5-bath home, nestled just outside of town on a serene 1.35-acre lot. Spanning 1,300 square feet, this residence offers a balance of comfort and style. Step into a bright, open-concept living space where the brand-new kitchen shines with stainless steel appliances, sleek countertops, and ample cabinetry—ideal for culinary enthusiasts and entertaining guests. The home features a new septic system and an on-demand water heater, ensuring efficiency and peace of mind. The single-car garage offers convenient storage, while the expansive lot presents endless possibilities for outdoor activities, gardening, or simply soaking in the natural beauty.

70 Gobblers Knob, Cle Elum

Listing courtesy of John L. Scott RE Cle Elum.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2432861 MLS ⋅ ACTIVE Status
HUGE PRICE DROP, SELLER SAYS GET IT SOLD!! BRAND NEW ROOF & UNMATCHED FREEDOM! Discover ultimate flexibility on this unique 1.78-acre double-parcel property. The charming 3-bed, 1.75-bath home is completely move-in ready, featuring brand-new carpet, a cozy propane fireplace, and a high-efficiency heat pump and furnace installed in 2023. NO HOA RULES ON the back 1.41 ACRES: The secondary parcel (#333136) is completely separate from Sunlight Waters. It is NOT subject to CC&Rs or annual dues! This means total freedom to use the land exactly how you want. Bring your farm animals, build a dirt bike track, or create a private recreational oasis. MULTI-GENERATIONAL POTENTIAL: Perfect for family compounds. Expand by simply adding an ADU, or complete a boundary line adjustment and drill a well to build a fully separate second home for parents, siblings, or guests. PREMIUM OUTBUILDINGS & YARD: Car enthusiasts and hobbyists will love the massive 24x36 shop for tools and toys, plus a cute mini-barn equipped with a loft and electricity. The outdoor space is an entertainer’s paradise, boasting a large patio with a gazebo, a stunning wisteria trellis, irrigated flower beds, and an invisible fence. True animal lovers will appreciate the open room for livestock and 4 custom dog kennels featuring heated sleeping compartments to keep your pets warm. Enjoy the best of both worlds with total acreage freedom plus access to the community pool and clubhouse!

1190 Sunlight Drive, Cle Elum

Listing courtesy of Real Broker LLC.

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