Elma Homes with USDA Loan Terms

Elma Homes with USDA Loan Terms

Elma: A Charming City in Grays Harbor County, Washington

Nestled in the heart of Grays Harbor County, Washington, the city of Elma offers a charming and peaceful living environment for its residents. With its small-town atmosphere and beautiful natural surroundings, Elma is a place where you can truly feel at home.

Elma is conveniently located in the state of Washington, just a short drive away from the bustling city of Olympia. This means that residents can enjoy the tranquility of small-town living while still having access to the amenities and opportunities of a larger city.

For those looking to purchase a home in Elma, the good news is that there are homes available with USDA loan terms. The USDA loan program provides eligible buyers with the opportunity to purchase a home with little to no down payment and at a low interest rate. This makes homeownership more accessible and affordable for those who qualify.

Whether you're a first-time homebuyer or looking to relocate to a more peaceful setting, Elma has a variety of housing options to suit your needs. From cozy single-family homes to spacious ranch-style properties, there is something for everyone in Elma.

In addition to its affordable housing options, Elma also boasts a range of recreational activities and amenities. Outdoor enthusiasts will appreciate the city's proximity to nearby rivers, lakes, and forests, offering opportunities for fishing, hiking, and camping.

With its welcoming community, picturesque surroundings, and availability of homes with USDA loan terms, Elma is an ideal place to call home. Discover the beauty and tranquility of this charming city in Grays Harbor County, Washington.

Newest Elma Homes with USDA Loan Terms

130 Newman Creek Road, Elma
$515,000
3 Beds ⋅ 2 Baths ⋅ 2589682 MLS ⋅ ACTIVE Status
Enjoy room to spread out on 6.5 acres of flat, usable land! This single-level home offers 3 bedrooms, 1.5 bathrooms, plus a versatile bonus room ideal for a home office, gym, hobby space, or additional flex room. The sellers have an elevation certificate for the home, available for buyer review. A portion of the property is located within a FEMA-designated flood zone; sellers report they do not currently carry flood insurance. Buyers are encouraged to verify any flood insurance requirements with their lender and insurance provider. Fully fenced with multiple separate sections, the property offers plenty of possibilities for animals, gardening, and recreation. A detached garage/shop with power provides space for projects and storage, alongside covered RV parking and the property has a wired generator. Relax and entertain with a hot tub, pool, and covered patio wired for a projector screen—perfect for summer evenings and movie nights. Improvements include a newer crawlspace vapor barrier and additional work above the ceiling to help protect the home from moisture. Set along a quiet road, this property combines single-level living, usable acreage, and room to make it your own. Bring your animals, hobbies, toys, and ideas!

130 Newman Creek Road, Elma

Listing Broker: Better Brokers; Zina Ivanoff; 503-949-9095; betterbrokersrealestate@gmail.com

3006 W Ford Loop Road, Elma
$420,000
4 Beds ⋅ 2 Baths ⋅ 2586750 MLS ⋅ ACTIVE Status
This new manufactured home suits anyone looking for more property and privacy in a wonderful country setting. The property boasts 4.93 acres and features a 1600 square foot manufactured home built by Cavco. The home offers an open-concept design, connecting the living room and a spacious kitchen, making it perfect for entertaining. The kitchen is well appointed with an eat-in island, stainless steel appliances with crisp white cabinetry, black counter tops and matching cabinetry hardware. The dining area is conveniently located adjacent to the kitchen with big windows giving guests a perfect view of the back yard. Off the kitchen is a roomy utility space with more cabinetry for extra storage, utility sink, and an exterior door o the back of the property. The primary suite has a large walk-in closet and ensuite bath equipped with a walk-in-shower and separate sinks for his/her. At the other end of the home are 3 other bedrooms and a guest bath. This is a 3 bedroom septic - 3 bed/1 den or another bedroom. So much privacy off the back of the home and plenty of room to build a garage or shop. SELLER TO ADD a heat pump to the home before closing. Use supplemental docs provided in listing (legal, 22J, 22K and 17) Some virtual staging. Schedule an appointment with your trusted broker and come take a look at this wonderful property.

3006 W Ford Loop Road, Elma

Listing Broker: WEBREALTY; Punalei McLean; 360-219-5587; punalei@webrealty.team

125 Hillcrest Drive, Elma
$524,900
3 Beds ⋅ 2 Baths ⋅ 2575628 MLS ⋅ ACTIVE Status
New construction opportunity at 125 Hillcrest Dr! This thoughtfully planned single-level home offers 1,926 square feet with 3 bedrooms and 2 baths. The exterior showcases contemporary gray siding, contrasting shake accents, a welcoming recessed entry, and an attached two-car garage. Additionally, builder is going to install a partially covered deck in the back yard. Inside, generous window placement and a large sliding glass door bring natural light into the open central living areas while construction continues. Mature evergreens create a classic Pacific Northwest backdrop. Offered at $524,900. Contact Joe Symonette for current construction details, included finishes, and timing.

125 Hillcrest Drive, Elma

Listing Broker: eXp Realty; Joe S Symonette; 360-789-3890; joseph.symonette@exprealty.com

400 South Bank Road, Elma
$775,000
4 Beds ⋅ 3 Baths ⋅ 2564240 MLS ⋅ ACTIVE Status
Enjoy the tranquility, space & functionality of this exceptional 4.57-acre country property with room to live, work & play. The well-maintained 2,544-sqft home features 4 bdrms, 2.5 bths & a 1,106-sqft basement. A versatile third-floor bedroom with dual closets is ideal as a guest suite, hobby room or studio. An impressive 2,160-sqft shop, along with an RV carport with water & power hookups, provides outstanding space for projects, storage & equipment. Arrive via the circular driveway & unwind on the oversized wraparound covered front porch featuring beautiful tongue-and-groove hemlock. A versatile outbuilding offers a three-bay open carport plus an oversized enclosed garage/workshop with 400-amp service, bridge crane & air compressor. Additional improvements include a horse stable, greenhouse, woodshed, well house & beautifully maintained grounds with fruit trees, berries, grapes, rhubarb & garden space. Inside, custom crown molding adds warmth & character throughout the spacious living area. Additional highlights include a classic Monarch cookstove, large laundry room, two bonus rooms ideal for a home office, hobby room, or sitting area, & a heat pump for year-round comfort. With space for your RV, equipment, animals & hobbies, this one-of-a-kind property offers the perfect blend of comfort, functionality & country living. More than just a home—it’s the country lifestyle you’ve been looking for.

400 South Bank Road, Elma

Listing Broker: Skyline Properties, Inc.; Martin R. Clark; 360-470-1870; martinclark@SkylineProperties.com

1710 W Young Street, Elma
$350,000
3 Beds ⋅ 2 Baths ⋅ 2565293 MLS ⋅ ACTIVE Status
Move in ready comfort meets modern upgrades in beautiful Elma! Welcome home to 1710 W Young St, Elma WA! This well cared for 3 bedroom, 1.5 bath single story home offers 1,176 SQFT of comfortable living on a fully fenced .14 acre lot. Enjoy a BRAND NEW composition roof, fresh interior paint, new appliances & laminate flooring throughout. Stay comfortable year round w/ central A/C, heat pump & cozy new pellet stove. Entertain on the huge wrap around deck overlooking territorial views. Spacious attached 2 car garage + RV parking for boats, toys & extra vehicles. No HOA! Outbuildings for added storage. All appliances included washer, dryer, refrigerator, dishwasher, microwave & stove. High speed internet & cable ready. Eligible for FHA, VA, USDA & conventional financing. Minutes to downtown Elma shops, dining & freeway access. Elma School District. Low property taxes only $2,843/yr. Don't miss this affordable Grays Harbor gem!

1710 W Young Street, Elma

Listing Broker: eXp Realty; Joe S Symonette; 360-789-3890; joseph.symonette@exprealty.com

93 Cloquallum Road, Elma
$375,000
3 Beds ⋅ 1 Baths ⋅ 2565262 MLS ⋅ ACTIVE Status
Welcome to your slice of rural serenity! Nestled in a peaceful country setting on a sprawling 1-acre parcel, this charming 1930s home will woo you with its timeless character & modern updates. Step up to a covered front porch, a perfect spot to enjoy a cold drink on a warm day, and enter to your living room featuring a cozy tiled fireplace, where evenings can be spent curled up with a good book. A ductless mini split adds modern convenience and efficiency for effortless heating and cooling. Walk through the doorway to the kitchen, where you will find ample cabinetry & shelving and dining space looking out onto the lush yard. On the main level, also enjoy 2 bedrooms and full bath for single-level living. Upstairs, find a third bedroom in the attic space complete with built-in shelving. Realize future potential with an unfinished 504 sq foot basement ready for your creative expansion ideas. Outside, the wide-open acreage provides ample space for vibrant gardens, raising backyard chickens, and soaking in the quiet surroundings. Best of all, you are never far from convenience—located just 35 minutes from downtown Olympia, roughly 25 minutes from I-5 access, and an easy jaunt to the coast for weekend beach trips. Bring your vision and discover your own private slice of country quiet today! (*some photos virtually staged*)

93 Cloquallum Road, Elma

Listing Broker: Coldwell Banker Bain; Sofia Sabeti; 253-370-7428; sofia.sabeti@cbrealty.com

19 Raven Lane, Elma
$624,999
3 Beds ⋅ 2 Baths ⋅ 2560629 MLS ⋅ ACTIVE Status
PRICED REDUCED!!! This newly built home on 5.25 acres is complete and ready for its new owners. Walk into your brand new kitchen featuring all new energy efficient appliances, granite counter tops, soft close cabinetry, an island for additional counter space all while hosting an open concept to the main living area for continued ability to entertain while making your meals. The property is partially cleared allowing for your vision to come to life providing ample room for an additional shop, ADU, pool or.?.? RV parking space is in with power already ran to the pad. Several large trees still reside and enhance the privacy to your own little slice of this new development. Walk the property lines via the cut in trails to allow for your vision of continued property improvement. CC&Rs in place only limit Manufactured homes in the community and have no associated HOA fees. Come check out this gorgeous new home without having to endure the building process. Close to Schafer State Park and the East Satsop River for recreation. 45 minutes to Olympia or Aberdeen.

19 Raven Lane, Elma

Listing Broker: eXp Realty; Travis Larrabee; 360-507-4899; trvslr@msn.com

3 Hobble Creek Street, Elma
$429,995
3 Beds ⋅ 2 Baths ⋅ 2554514 MLS ⋅ ACTIVE Status
High quality new construction! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of September 18, 2026. Garage will be a 2-car garage.

3 Hobble Creek Street, Elma

Listing Broker: eXp Realty; Joe S Symonette; 360-789-3890; joseph.symonette@exprealty.com

1713 W Martin Street, Elma
$339,900
3 Beds ⋅ 1 Baths ⋅ 2554445 MLS ⋅ ACTIVE Status
Nice single story stick built home for sale in the quiet town of Elma! 3 bedrooms. 1 full bathroom with a dual sink vanity. 1250 square feet. Roomy kitchen with pantry, stainless steel appliances and gas range. Spacious living room with gas log fireplace. Dining area with slider that opens to a side yard patio. Laminate floors. Light and bright with lots of windows and vaulted ceilings. White painted doors and millwork. Great condition. New paint inside and out. Vinyl windows, gas forced air heat and gas hot water heater. Newer electric panel. Nice large level lot (75x125) with alley access. Wonderful small community. Close to parks and schools. Short drive to Olympia and easy drive to ocean beaches.

1713 W Martin Street, Elma

Listing Broker: Group 7 Inc., Real Estate Serv; Ed Warnock; 360-556-7851; emwarnock@comcast.net

32 Thompson Lane, Elma
$825,000
3 Beds ⋅ 2 Baths ⋅ 2553411 MLS ⋅ ACTIVE Status
Welcome to your own private Northwest retreat on 24.4 acres of beautiful, usable bottom land. This exceptional property offers the perfect blend of modern updates and country living with fenced pastures, creek frontage, a water-supplied greenhouse, horse arena, 4-stall metal shop, garden space, abundant RV parking, and power and water to both the arena and RV area. The beautifully updated 3,000+ sq. ft. home features soaring 17-foot ceilings, 3 bedrooms, 1.75 baths, three fireplaces, a spacious kitchen with Sub-Zero refrigerator, double ovens, breakfast nook, wine storage, built-in intercom, Astro-Vac, and mud room. Extensive renovations have transformed the home, including a stunning remodeled primary suite and bathroom, fresh interior and exterior paint, new carpet throughout, and a spacious new deck perfect for entertaining or taking in the peaceful surroundings. Every improvement has been thoughtfully completed, making this property truly move-in ready. Whether you’re looking for an equestrian property, hobby farm, or private country escape, this one offers the lifestyle you’ve been dreaming of.

32 Thompson Lane, Elma

Listing Broker: eXp Realty; Miranda Michelle Palm; 360-688-8493; mirandabogarthomes@gmail.com

1299 Monte Elma Rd, Elma
$459,950
3 Beds ⋅ 3 Baths ⋅ 2545850 MLS ⋅ ACTIVE Status
Welcome to this charming home just blocks from the heart of downtown Elma, offering the perfect blend of privacy, space, and opportunity. Nestled on a level, wooded lot, this property provides a peaceful setting while remaining close to local shops, restaurants, and everyday conveniences. Inside, you'll find soaring vaulted ceilings with exposed beams that create a warm, inviting atmosphere. The stunning fireplace, crafted from rock quarried in Eastern Washington, serves as a beautiful focal point in the living space. Oak cabinetry, a spacious walk-in pantry, and a functional layout provide an excellent foundation for everyday living. The home features 3++ bedrooms, including and a great room on the lower level, offering flexibility for guests, a home office, or multi-generational living. Outdoor living is equally impressive with a wraparound deck that's perfect for summer barbecues, entertaining friends, or relaxing while taking in beautiful sunset views. A carport, abundant storage, and a large shop offer endless possibilities for hobbyists, mechanics, artists, or additional workspace. With a newer roof, solid construction, and great bones throughout, this home is ready for your personal updates and finishing touches.

1299 Monte Elma Rd, Elma

Listing Broker: John L. Scott, Inc.; Aimie Hunter; 206-227-1079; AHunter@johnlscott.com

310 W Pine Street, Elma
$550,000
4 Beds ⋅ 2 Baths ⋅ 2516041 MLS ⋅ ACTIVE Status
Don't miss this rare opportunity: a turnkey triplex now offered on approximately half an acre (buyer to verify). The house sits on one of the two original tax parcels (parcel#618063522006); the front half-acre vacant land parcel is being sold separately, (parcel #618063522007) or buy both for $650,000. Main house is 3,727sf (buyer to verify) offering four bedrooms, two baths, and two cozy fireplaces—perfect for multi-gen living or extra income. Step outside the living room and you’ll find a serene koi pond, right there for daily Zen. Plus, two charming mother-in-law suites. Two tenants have been steady for over two years, paying $2,100/month total. HIGHLY MOTIVATED SELLER!

310 W Pine Street, Elma

Listing Broker: HomeSmart Real Estate Assoc; Rudy Amesquita; 206-778-7836; rudyamesquita@yahoo.com

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