Coupeville Homes with USDA Loan Terms

Coupeville Homes with USDA Loan Terms

Coupeville, a charming town located in Island County, Washington, is a hidden gem that offers a perfect blend of natural beauty and small-town charm. Situated in the United States, Coupeville is known for its picturesque surroundings and rich history.

As part of Washington state, Coupeville is surrounded by stunning landscapes, including the scenic Puget Sound and the majestic Olympic Mountains. The area boasts a mild climate, making it an ideal place to enjoy outdoor activities year-round.

One of the great advantages of living in Coupeville is the availability of homes with USDA loan terms. The USDA loan program is designed to help low to moderate-income families achieve their dream of homeownership. With attractive interest rates and flexible credit requirements, this program provides an excellent opportunity for those looking to buy a home in Coupeville.

These homes with USDA loan terms offer various benefits, including no down payment options and lower mortgage insurance premiums. Additionally, the program allows for financing of both existing and newly constructed homes, giving buyers a wide range of options to choose from.

Whether you are a first-time homebuyer or looking to relocate to a peaceful and scenic area, Coupeville offers a unique opportunity to own a home with USDA loan terms. With its natural beauty, rich history, and availability of affordable housing, Coupeville is a city that should not be overlooked when considering real estate options in Washington state.

Newest Coupeville Homes with USDA Loan Terms

$398,888
2 Beds ⋅ 2 Baths ⋅ 2568674 MLS ⋅ ACTIVE Status
Brand-new 2 bed + BONUS, 2-bath home in Admirals Cove, an inviting beach community on Whidbey Island. Enjoy an affordable opportunity to own a fresh, low-maintenance home with a peekaboo view and access to outstanding neighborhood amenities. The home offers a thoughtful layout with modern finishes & spacious bedrooms. Admirals Cove residents enjoy a private community beach, seasonal swimming pool, clubhouse, playground, and a scenic lakeside park with picnic areas—ideal for relaxing, gathering with friends, and enjoying island living. Conveniently priced for buyers seeking a new home in a community that offers both recreation and coastal charm. Come experience the Whidbey Island lifestyle at an exceptional value!

1243 Admirals Drive, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$585,000
3 Beds ⋅ 3 Baths ⋅ 2567050 MLS ⋅ ACTIVE Status
Set on over half an acre, this spacious +/- 2,776 sq ft home offers room to spread out both inside and out. The main level features a kitchen and dining area that flow into the living room, while a separate family room with a propane stove provides a cozy place to relax. Step onto the deck and take in peaceful water and mountain views. The primary bedroom features its own 3/4 ensuite bath, with a separate full bath conveniently located on the main floor. The lower level offers two additional bedrooms, a 3/4 bath, and a large rec room with plenty of space to relax, gather, or enjoy your favorite hobbies. Outside, the generous lot gives you room to garden, entertain, or simply enjoy the space and privacy. A detached two car garage provides additional storage and parking, with plenty of extra parking available on the driveway. A brand new roof and new septic system add valuable peace of mind, while you can focus on making the most of the home's generous spaces, expansive lot, and beautiful partial water and mountain views.

581 Olympic View Drive, Coupeville

Listing courtesy of Windermere Whidbey Island.

$440,000
2 Beds ⋅ 2 Baths ⋅ 2564449 MLS ⋅ ACTIVE Status
Enjoy expansive island living on over half an acre of land in this beautifully updated Coupeville manufactured home. With 2 bedrooms, a bonus room and 2 bathrooms, it offers 1,732 square feet of tastefully renovated living space. The efficient layout features a beautifully updated kitchen with tile floors, black stainless steel appliances and a large single sink. The primary suite serves as a tranquil escape with an upgraded five-piece bath and soaking tub. A flexible bonus room provides a perfect spot for a home office. Nestled in the Crockett Lake neighborhood, this property blends a private retreat with space for your favorite hobbies. The level, sunny, and fully fenced 0.56-acre lot offers ample room for gardening, playing, pets, or projects, complete with a storage shed and a covered parking space. The home sits under 10 minutes from Coupeville, Driftwood Park, Rhododendron Park, Fort Casey, and the ferry landing, and 26 minutes from Oak Harbor and NASWI. The low interest VA loan is assumable. Make this gem of a property the start of your Whidbey Island adventure!

803 Hazzle Court, Coupeville

Listing courtesy of Coldwell Banker 360 Team.

$441,900
3 Beds ⋅ 1 Baths ⋅ 2557169 MLS ⋅ ACTIVE Status
This charming home sits on a double lot in Admirals Cove, offering plenty of room for enjoying the Whidbey Island lifestyle. The spacious fully fenced yard features dedicated garden space with raised beds, an XL kennel for pets or chickens, mature fruit trees including cherry, plum, and crabapple. Established blueberry and strawberry plants create a wonderful opportunity for homegrown harvests. A newer, large shed has ample space for garden tools. Inside the home, you'll find comfortable living with 3 bedrooms, a new mini split, new hot water heater, and fresh paint. The kitchen has a gas stove and all stainless steel appliances. Enjoy Admirals Cove amenities including a private beach, community pool, clubhouse, parks, playground, and lake. Just minutes from historic downtown Coupeville, NAS Whidbey, Fort Casey, and Ebey's Landing, this home is the perfect blend of space, location, and Island living.

1251 Russell Drive, Coupeville

Listing courtesy of Keller Williams Western Realty.

$1,650,000
5 Beds ⋅ 6 Baths ⋅ 2554926 MLS ⋅ ACTIVE Status
Rare and extraordinary multigenerational compound on 11+ acres in the heart of Central Whidbey Island — where two beautifully appointed residences, endless outdoor amenities, and a lifetime of possibilities come together in one truly remarkable package. Two completely separate residences, each with their own private entrance, are thoughtfully connected by an enchanting enclosed garden and gazebo area complete with an outdoor kitchen — the perfect setting for al fresco entertaining and the ideal balance of togetherness & independence. The newly updated 1958 home honors its character with modern comfort, while the stunning 2022 residence showcases live edge Douglas Fir finishes and exterior wood milled directly from the property itself — a level of craftsmanship and authenticity that simply cannot be replicated. Above the barn, a light-filled artist studio, a fenced garden, chicken coop, fruit trees, & a versatile barn with endless possibilities complete a property that feels like its own private world. Partial water views & over 11 acres of lush land deliver the space, privacy, & freedom that define Whidbey Island living at its finest. Whether you envision a multigenerational retreat, working hobby farm, artist's haven, or a private sanctuary — this home delivers on every front. Includes 2 buildable lots in the Crockett Lake community. Gems like this simply do not come around often. Also see listing #2554897 which does NOT include the 2 additional building lots.

550 Wanamaker, Coupeville

Listing courtesy of Windermere Whidbey Island.

$499,900
3 Beds ⋅ 3 Baths ⋅ 2555349 MLS ⋅ ACTIVE Status
Meticulously maintained, move-in ready, this 3 bedroom, 2.5 bath, 1606 sf condo built in 2020 is a must see! Enjoy the best of both worlds in this bright and sunny contemporary condo in the heart of the charming seaside town of Coupeville. Open concept spaces feature all of today’s modern conveniences including climate-controlled AC/heat, gas stove and fireplace, sleek stainless-steel appliances and quartz countertops. Upstairs you will find 2 bedrooms, a full bath plus a spacious Primary Bedroom Suite with full bath featuring a luxurious soaking tub. Set in a friendly, neighborhood setting with a small-town feel with shops, eateries, grocery, schools and more, all within a short distance, and surrounded by the breathtaking beauty of Ebey’s Landing Historical Reserve offering easy access to protected forests, beaches, and nature trails galore! This contemporary home is easy living at its best. HOA covers water/sewage/trash, exterior structural coverage, landscaping, road maintenance, and common grounds maintenance. Come take a look!

306 S Main Street Unit #B3, Coupeville

Listing courtesy of Whidbey View Homes.

$1,495,000
5 Beds ⋅ 6 Baths ⋅ 2554897 MLS ⋅ ACTIVE Status
Rare and extraordinary multigenerational compound on 10+ acres in the heart of Central Whidbey Island — where two beautifully appointed residences, endless outdoor amenities, and a lifetime of possibilities come together in one truly remarkable package. Two completely separate residences, each with their own private entrance, are thoughtfully connected by an enchanting enclosed garden and gazebo area complete with an outdoor kitchen — the perfect setting for al fresco entertaining. The newly updated 1958 home honors its character with modern comfort, while the stunning 2022 residence showcases quartz counters, Sub Zero refrigerator, walk-in pantry, live edge Douglas Fir finishes & exterior wood milled directly from the property itself, a level of craftsmanship & authenticity that simply cannot be replicated. Above the barn, a light-filled artist studio provides an inspiring creative retreat. Outside, a fenced garden, chicken coop, Apple, pear, plum, cherry trees, and a versatile barn with endless possibilities complete a property that feels like its own private world. Partial water views and over 10 acres of lush land deliver the space, privacy, & freedom that define Whidbey Island living at its finest. Whether you envision a multigenerational retreat, working hobby farm, artist's haven, or a deeply private sanctuary — this home delivers on every front. Gems like this simply do not come around often. See MLS #2554926, includes 2 building lots in the Crockett lake Community.

550 Wanamaker, Coupeville

Listing courtesy of Windermere Whidbey Island.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2552572 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. The garage is wired with both 110V and 220V outlets and has lighting, power, and a French cleat wall system already in place for a workshop, with the 220V service ideal for equipment such as welders, high-capacity air compressors, and other high-power shop tools. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2549018 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$638,000
1 Beds ⋅ 1 Baths ⋅ 2534813 MLS ⋅ ACTIVE Status
Welcome to your own cottage in the forest—a peaceful retreat where nature, privacy, and possibility come together. Set on 5 gated acres within a spacious, sunny clearing surrounded by towering evergreens, this thoughtfully maintained property offers access to Fort Ebey State Park and The Kettles Trail system right from your backyard. Enjoy morning coffee on the deck while deer, eagles, owls, rabbits, and other native wildlife make regular appearances, offering the kind of everyday connection to nature that's becoming increasingly rare. Inside, the inviting 1-bedroom, 1-bath home offers a bright, flexible layout with the primary bedroom, bath, sunroom/office, and comfortable living and dining spaces all on the main level, while a cozy sleeping loft is tucked above it all. Looking ahead? Build your dream home while retaining the existing cottage as a guest house or expand the current home to fit your vision. Designed for comfort and lasting peace of mind, the home includes: Hardie Plank siding, a metal roof, wired for a generator, composite decking, a ductless mini-split for energy-efficient heating and cooling, LeafGuard gutters, oversized 1-car garage, private well with cistern, fenced yard area, ample RV parking, and an exceptionally maintained crawl space, each reflecting the care and stewardship invested throughout the property. Located minutes from Ebey's Landing, and downtown Coupeville, this unique property offers both immediate enjoyment and long-term flexibility.

2161 Winterhawk Lane, Coupeville

Listing courtesy of Windermere Whidbey Island.

$925,000
3 Beds ⋅ 5 Baths ⋅ 2531377 MLS ⋅ ACTIVE Status
Experience the ultimate in Whidbey Island serenity in this spacious 3,144 square foot, 3 bedroom, 3.75 bathroom, Pacific Northwest retreat, beautifully positioned on 5 acres with tranquil water features, lovely gardens, and views of Mt. Baker and Saratoga Passage. Designed for both quiet relaxation and grand entertaining, the main home flows effortlessly from an expansive living room overlooking the gardens, through the dining room, out to a spacious deck which is perfect for outdoor grilling with a backdrop of a mature forest. At the heart of the home is a well laid out kitchen featuring stainless steel appliances, abundant cabinet space, and a large eat-in island. The highly flexible layout includes two primary suites with dedicated en-suite bathrooms, while an upper breezeway leads to a completely separate studio guest living area over the garage complete with its own full bath and kitchen and washer and dryer—an ideal setup for long-term guests, a home office, or multi-generational living. The property includes an attached two-car garage equipped with its own half bath. This peaceful acreage home offers the perfect balance of secluded country living and modern convenience. Residents enjoy an easy 8-minute drive to the historic waterfront village of Coupeville for local dining and shopping, a 30-minute commute to NAS Whidbey Island (NASWI) and a 35 minute drive to the Clinton ferry landing. Come and make this beautiful island retreat your own!

216 Denneboom Road, Coupeville

Listing courtesy of Coldwell Banker 360 Team.

$499,000
3 Beds ⋅ 3 Baths ⋅ 2534820 MLS ⋅ ACTIVE Status
Welcome to island living in this like-new home located in one of Whidbey Island’s desirable beach communities. An open kitchen features modern finishes, abundant storage & a large island ideal for gathering. Upstairs, the generous primary suite offers a relaxing retreat with an ensuite bath and ample closet space, while two additional bedrooms & a bonus room provide flexibility for guests, a home office, media room, or play space. Enjoy the peaceful coastal lifestyle with nearby beach access, community amenities, and the natural beauty Whidbey Island is known for. Whether you’re taking evening walks by the water, enjoying sunsets, or simply relaxing at home, this property offers the perfect blend of modern convenience & island charm.

1299 Russell Drive, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

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