Lacey Homes with USDA Loan Terms

Lacey Homes with USDA Loan Terms

Lacey, a charming city located in Thurston County, Washington, offers a delightful blend of natural beauty and modern amenities. Situated in the United States, Lacey is a wonderful place to call home, thanks to its picturesque surroundings and convenient access to nearby urban centers.

For potential homebuyers in Lacey, there is an exciting opportunity to explore the option of USDA loan terms. The USDA loan program is designed to assist low to moderate-income families in purchasing homes in eligible rural areas. Lacey, being a part of Thurston County, qualifies for this program, making it an attractive prospect for those seeking affordable housing options.

With USDA loan terms, homebuyers can benefit from several advantages. Firstly, these loans offer 100% financing, which means no down payment is required, making homeownership more accessible. Additionally, USDA loans often come with lower interest rates compared to conventional loans, resulting in more affordable monthly payments.

Lacey's real estate market offers a variety of housing options, from cozy single-family homes to spacious townhouses. Whether you're a first-time buyer or looking to upgrade, Lacey has something to suit every taste and budget.

If you're considering settling down in Lacey, the combination of its tranquil surroundings, convenient location, and the opportunity to secure a home with USDA loan terms make it an attractive destination for homebuyers. Take the first step towards homeownership in this charming city and explore the real estate options available to you.

Newest Lacey Homes with USDA Loan Terms

$469,000
4 Beds ⋅ 2 Baths ⋅ 2564587 MLS ⋅ ACTIVE Status
First time on the market in over 30 years! This well-loved home offers a rare opportunity to own a property with solid bones, timeless character, and endless potential. Featuring a newer 50-gallon water heater, a roof that's only six years old, and a well-maintained heating system, many of the major components have already been cared for.Beautiful original hardwood floors extend throughout the spacious living areas and bedrooms, adding warmth and classic appeal. While some updates have already been completed, there's still plenty of opportunity to personalize the home and create the space you've always envisioned.The lower level offers exceptional flexibility with a large bonus room, an additional bedroom, and a ¾ bath—ideal for guests, a home office, or multi-generational living.Conveniently located just minutes from I-5, medical facilities, shopping, and schools, this home combines accessibility with the charm of an established neighborhood featuring generous quarter-acre (±0.25 acre) lots. Don't miss your chance to make this special property your own.

5111 21st Avenue SE, Lacey

Listing courtesy of eXp Realty.

$425,000
3 Beds ⋅ 1 Baths ⋅ 2567536 MLS ⋅ ACTIVE Status
Charming 1955 Mid-Century Home in Lacey near the beautiful Panorama Senior Living Pea Patch awaits you. This solid, corner-lot charmer is nestled in a wonderfully happy and welcoming neighborhood and the enchanting yard is colored by its variety of landscaping, creating a private oasis. Combining solid character with modern readiness, this home features updated windows, a single-car garage, dedicated RV parking, and is generator ready for total peace of mind. Quiet mornings on the covered patio, a fenced backyard and a great location, all combine for the perfect place to come home to. Take a look today and see if you can make it your own.

1815 Curtis Court SE, Lacey

Listing courtesy of Realty One Group Bold.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2567366 MLS ⋅ ACTIVE Status
Turnkey Living Under $450K—Huge Lot, Fresh Upgrades & Absolute Privacy! Welcome home to 4432 29th Ave SE! Perfectly positioned in a quiet, desirable Lacey neighborhood, this move-in-ready gem delivers the ultimate combination of high-value interior updates, massive outdoor space, and unbeatable price positioning. At just $450,000, this property outshines the competition and won't last through the weekend. Key Highlights: Exceptional Outdoor Living: Spread out on an expansive, rare-for-the-price lot. Designed for low-stress enjoyment, high privacy, and maximum utility—perfect for weekend BBQs, garden projects, or entertaining. Fully Fenced & Secure: Enjoy complete peace of mind with a robust, fully enclosed perimeter ideal for pets, play, and private outdoor gatherings. Effortless Location: Minutes to schools, parks, shopping centers, and direct commute corridors to JBLM and I-5. Whether you are seeking a high-yield investment, a reliable turnkey start, or a home with real room to breathe, this property represents the best dollar-for-dollar value in the 98503 zip code. Schedule your walkthrough today before it’s gone!

4432 29th Avenue SE, Lacey

Listing courtesy of Cascade Home Group.

$494,995
3 Beds ⋅ 3 Baths ⋅ 2560107 MLS ⋅ ACTIVE Status
Grand Opening week at Ventura Crossing by DR Horton Homes. Appointments being scheduled for this weekend 10am-6pm. Exciting community amenities like a playground, and open spaces. With its convenient Lacey location, destinations like JBLM, the State Capitol, and Olympia's Historic District are all within reach. The Fir offers 3 bed + loft/office, 2 1/2 bath w/ all the luxury of a new home. Huge kitchen island, slab quartz counters, gas range, stainless appliances w/tons of storage & A/C. Primary suite boasts separate bath & walk-in closet. Located only 15 min from JBLM. Below market rates and a $20,000 buyer bonus available through the preferred lender for qualified buyers. Buyers must register their brokers on the first visit including any open house. Come see what all the excitement is about.

5127 Emery Avenue NE Unit #43, Lacey

Listing courtesy of D.R. Horton.

$484,995
3 Beds ⋅ 3 Baths ⋅ 2553614 MLS ⋅ ACTIVE Status
Grand Opening week at Ventura Crossing by DR Horton Homes. Appointments being scheduled for this weekend 11am-6pm. Exciting community amenities like a fenced dog park, playground, and open spaces. With its convenient Lacey location, destinations like JBLM, the State Capitol, and Olympia's Historic District are all within reach. The Piper offers 3 bed + loft/office, 2 bath w/ all the luxury of a new home. Huge kitchen island, slab quartz counters, gas range, stainless appliances w/tons of storage & A/C. Primary suite boasts separate bath & walk-in closet. Located only 15 min from JBLM. Below market rates and a $20,000 buyer bonus available through the preferred lender for qualified buyers. Come see what all the excitement is about. Buyers must register their broker on the first visit including any open house.

5123 Emery Avenue NE Unit #44, Lacey

Listing courtesy of D.R. Horton.

$669,950
5 Beds ⋅ 3 Baths ⋅ 2541548 MLS ⋅ ACTIVE Status
Welcome to the beautiful Gateway neighborhood in Northeast Lacey! This 2020-built home features 5 bedrooms, including a convenient first-floor guest suite with its own shower, plus a versatile bonus room. A full 3-car garage provides ample space for all your needs. You’ll enjoy the charm of Gateway Park right in the community, while being just minutes from JBLM. Plus, you’ll have easy access to all the newest restaurants and shopping in town. This is the perfect blend of modern living, convenience, and community—don’t let this opportunity pass you by!

6813 Sweetgum Avenue NE, Lacey

Listing courtesy of Berkshire Hathaway HS NW.

$549,900
2 Beds ⋅ 2 Baths ⋅ 2522860 MLS ⋅ ACTIVE Status
Welcome to Jubilee! This beautifully upgraded home offers the perfect blend of comfort, elegance, and lifestyle. Step inside to rich hardwood floors, stunning crown molding, and a spacious open-concept floor plan designed for both everyday living and entertaining. The oversized primary suite provides a private retreat, while both formal living and family rooms—complete with a cozy gas fireplace—create inviting spaces to gather. Enjoy hosting in the formal dining area or unwind on your private back patio overlooking the beautifully landscaped backyard. Also backs up to a Greenbelt with walking trails all the way to the Sound! Additional features include a 2-car garage and charming covered front porch. Life in Jubilee is more than a home—it’s a lifestyle. From pickleball courts and a sparkling swimming pool to the jacuzzi, fitness center, and year-round community events, this vibrant 55+ community truly has it all!

8304 Vashon Drive NE, Lacey

Listing courtesy of BHGRE - Northwest Home Team.

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