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

$790,000
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 courtesy of Skyline Properties, Inc..

$444,950
3 Beds ⋅ 2 Baths ⋅ 2564942 MLS ⋅ ACTIVE Status
High quality new construction Rambler! 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 October 23, 2026. Garage will be a 2-car garage.

6 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$365,000
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 courtesy of eXp Realty.

$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 courtesy of Coldwell Banker Bain.

$649,900
3 Beds ⋅ 2 Baths ⋅ 2560629 MLS ⋅ ACTIVE Status
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 courtesy of eXp Realty.

$384,900
3 Beds ⋅ 2 Baths ⋅ 2560404 MLS ⋅ ACTIVE Status
Discover the perfect blend of comfort and convenience with this beautifully maintained single-story 3 bedroom, 1.75 bath home located in one of the area's most sought after locations, Garden Hill! The spacious primary suite features a private 3/4 bath ensuite, while the functional floor plan offers comfortable living for everyone. Outside you'll appreciate the durable metal roof, inviting covered front deck, and back patio perfect for entertaining, relaxing, or enjoying your fully fenced backyard. Situated on a generously sized lot, there's plenty of room for gardening, pets, play, or simply enjoying your own private outdoor space. A 2 car garage provides ample parking and storage, making this home as practical as it is charming. Don't miss the opportunity to own this move-in ready home in an in-demand location!

103 Garden Hill Road W, Elma

Listing courtesy of Better Properties Grays Harbor.

$344,900
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 courtesy of Group 7 Inc., Real Estate Serv.

$554,999
3 Beds ⋅ 2 Baths ⋅ 2556671 MLS ⋅ ACTIVE Status
Meticulously maintained and move-in ready, this spacious 3-bedroom, 2-bath rambler offers tall ceilings, comfortable living spaces, and a freestanding propane fireplace. The kitchen features brand-new stainless steel appliances, while other recent updates include a brand-new roof and a beautifully remodeled bathroom. Situated on a desirable corner lot, the property offers abundant parking, an attached 484-square-foot garage, and an impressive 960-square-foot shop or additional garage. A large attic and yard-maintenance shed provide even more storage. Step outside to the beautifully cared-for yard and covered deck, where you can relax, entertain, and enjoy the view. This exceptional property offers the space, storage, and pride of ownership buyers are looking for, all just minutes from downtown Elma, schools, shopping, the hospital, and quick highway access. Olympia is approximately 30 minutes away. Come see how much this wonderful home has to offer!

101 S 16th Street, Elma

Listing courtesy of Better Properties Grays Harbor.

$339,900
2 Beds ⋅ 2 Baths ⋅ 2553906 MLS ⋅ CONTINGENT Status
Discover the charm and convenience of this well cared for 2-bedroom, 1.75-bath home designed for comfortable living. The spacious kitchen offers plenty of cabinetry and workspace, making it the heart of the home. The primary suite features a private ¾ bath and a walk-in closet, providing a comfortable retreat at the end of the day. Outside, you'll appreciate the fully fenced yard, offering privacy and room to enjoy outdoor activities. Spend your mornings with a cup of coffee or unwind in the evenings under the covered back patio. Multiple storage sheds provide abundant space for tools, hobbies, seasonal décor, or lawn equipment. Whether you're looking for your first home, downsizing, or adding to your investment portfolio, this move-in-ready property offers a wonderful blend of indoor comfort and outdoor functionality.

418 N 16th Street, Elma

Listing courtesy of Better Properties Grays Harbor.

$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 courtesy of eXp Realty.

$574,500
3 Beds ⋅ 2 Baths ⋅ 2551281 MLS ⋅ ACTIVE Status
Discover this beautifully updated rambler, tucked in and surrounded by nature. This 3 bed, 1.75 bath home is nestled on 2 fenced acres, offering exceptional privacy and a peaceful setting. Inside, you'll appreciate the updates including new flooring, fresh interior paint, and a stunning primary bath that has been completely remodeled. The spacious primary suite also features a sliding glass door leading to a private trex deck, an ideal spot to enjoy the quiet surroundings. Out back you will find a generous concrete patio that creates the perfect outdoor entertaining space. The exterior was painted in 2024, new windows in 2024 and 2026, the black top driveway done in 2024, and the roof being new in 2022 adds even more value and peace of mind. Designed for both every day living and storage, the property includes a large 18'x36' RV cover, RV outlet/sewer drop, 2 dog kennels, a fenced dog run, a 2-car shop, and an additional 3 car shop with carport providing endless space for vehicles, hobbies, equipment, or recreational toys. Combining modern updates, incredible outbuildings, and the tranquility of country living, this move-in-ready property is a rare opportunity you won't want to miss.

160 Cloquallum Road, Elma

Listing courtesy of Better Properties Grays Harbor.

$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 courtesy of John L. Scott, Inc..

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