Montesano Homes with USDA Loan Terms

Montesano Homes with USDA Loan Terms

Welcome to Montesano, a charming city located in Grays Harbor County, Washington. Known for its natural beauty and small-town charm, Montesano offers a peaceful and idyllic setting for those looking to settle down in the Pacific Northwest.

Situated in the United States, Montesano is surrounded by stunning landscapes, including lush forests, rolling hills, and picturesque rivers. The city's location in Grays Harbor County provides residents with easy access to outdoor recreational activities such as hiking, fishing, and boating.

For those interested in purchasing a home in Montesano, you'll be pleased to know that there are options available with USDA loan terms. The USDA loan program is designed to help low to moderate-income individuals and families achieve their dream of homeownership. With favorable terms and low-interest rates, this program provides a great opportunity for those who qualify.

Montesano offers a variety of housing options to suit different preferences and budgets. Whether you're looking for a cozy single-family home in a quiet neighborhood or a spacious property with ample land, you'll find a range of options to choose from.

In addition to its natural beauty, Montesano boasts a strong sense of community, excellent schools, and a thriving downtown area with local shops and restaurants. The city's close-knit community and friendly atmosphere make it an ideal place to raise a family or enjoy a peaceful retirement.

If you're considering making Montesano your home, now is a great time to explore the available housing options with USDA loan terms. Contact a local real estate agent to learn more about the opportunities that await you in this beautiful city.

Newest Montesano Homes with USDA Loan Terms

$440,000
3 Beds ⋅ 2 Baths ⋅ 2567990 MLS ⋅ ACTIVE Status
Great Montesano location, functional layout, and big-ticket recent updates! This well-maintained home sits in a quiet, desirable neighborhood just minutes from downtown and within walking distance of both the PK-2 grade school and the 7-12 high school. The main level features an inviting kitchen with eating bar that opens to the dining and living areas, along with two bedrooms, a full bath, and a versatile bonus room with direct access to the garage—perfect for an office, den, or flex space. Upstairs is a private primary retreat with the entire level to itself, including a walk-in closet, 3/4 bath, and additional flex space currently used as a craft room. Outside, enjoy a fenced backyard with a wood deck, gazebo area, raised garden beds, and fire pit—great spaces for relaxing, gardening, and entertaining. Updates in 2025 include a new roof, exterior paint, and a double-oven range, and in 2026 a new heat pump and furnace. A comfortable, functional home in a convenient location with plenty of space to make it your own!

815 E Simpson Avenue, Montesano

Listing courtesy of Ryan Property LLC.

$765,000
2 Beds ⋅ 3 Baths ⋅ 2558677 MLS ⋅ ACTIVE Status
You won't find a higher quality build than this. A custom two-story masterpiece near the end of a quiet road, built with craftsmanship, quality, and intention; nothing here is builder-grade. Offering 2 bedrooms plus a main-level office and upstairs bonus room, 2.5 baths, and an open-concept layout. The vaulted great room centers on a stunning fireplace, framed by high ceilings, while the chef's kitchen is built to entertain with island seating and microwave, custom hood, high-end appliances, cabinet-front dishwasher, walk-in pantry, soft-close cabinetry, and a coffee bar with built-ins. The primary suite is a spa-like retreat with an oversized freestanding tub, walk-in shower, dual sinks, and a walk-in closet with built-ins. A car enthusiast's dream with 1,663 sq ft of garage and shop space: a 3-car attached garage PLUS an oversized detached shop with vaulted ceilings, 100-amp service, and tandem depth for up to 4 vehicles, pre-wired for a car lift and joined to the home by a covered breezeway. Outside you'll find a high-end covered PVC deck and patio, HardiePlank siding, landscaping, a large side yard with garden space, partial fencing, and concrete parking for boat, RV, and toys. Extras include a Bosch heat pump with central A/C, dual-zone controls, a hybrid water heater with instant hot water recirc, upstairs laundry with washer/dryer included, outdoor plugs, and a propane tank. Every finish was hand-selected and built to last for generations. Ask for the upgrade list!

46 Kayla Drive, Montesano

Listing courtesy of Spivey Realty Group.

$575,000
5 Beds ⋅ 2 Baths ⋅ 2548070 MLS ⋅ ACTIVE Status
A truly one-of-a-kind 1898 tri-level Victorian offering over 4,000 total sq. ft, complete with a rooftop deck, covered carport, back patio, and a fenced yard on 0.429 acre lot with territorial views in the heart of Montesano. With 2,868 sq. ft. of finished living space, this home can easily function as a duplex or multigenerational residence, featuring two separate living areas, two kitchens, and two bathrooms across multiple levels. Additional features include carpet and vinyl flooring with original softwood floors underneath, a ductless mini-split system, a gas furnace, a wired backup generator, and a convenient location near parks, schools, and other town amenities. The main living quarters showcase the home's original staircase leading to the upper level and include the primary bedroom, a secondary bedroom, a spacious living room w/ ductless heat pump and gas furnace, den/office w/ wood-burning fireplace, kitchen w/ dining area, and utility room w/ washer and dryer + interior access to the basement. The upper level offers three bedrooms, including a spacious primary bedroom with a walk-in closet, full bathroom, living room, and fully functional kitchen w/ newer stove, fridge and eating space. The 1,292 sq. ft. basement provides several unfinished rooms, including a former canning room, a dog kennel area, and one partially finished bedroom + a living room and great room with paneled walls, baseboard heat, light fixtures, and concrete floors throughout.

500 N 1st Street, Montesano

Listing courtesy of Spivey Realty Group, LLC.

$799,000
2 Beds ⋅ 2 Baths ⋅ 2544082 MLS ⋅ ACTIVE Status
Experience the perfect blend of rustic elegance and modern comfort with this stunning waterfront retreat situated on two parcels totaling 10 acres with an incredible 366' of river frontage. Surrounded by lightly treed grounds and a large yard, this private oasis showcases exceptional craftsmanship and high-end materials throughout. Features include custom hickory cabinetry, granite countertops, stainless steel appliances, LVP flooring, vaulted ceilings, barn wood accents, hand-cut wood siding, and a durable metal roof.The inviting floor plan offers a spacious kitchen with eating space, dining room, entry room, and living room anchored by a beautiful river rock fireplace. Built-in cabinetry creates the perfect bar area, while two well-appointed 3/4 bathrooms feature granite countertops. A mini-split system and newer water filtration system provide year-round comfort. Washer and dryer stay.Enjoy peaceful river views from the Trex back deck or the huge covered Trex side deck, gather around the firepit, and take in the beauty of this one-of-a-kind setting. River rock sourced directly from the river was used on both the fireplace and exterior veneer, adding timeless Northwest character. The attached two-car garage and semi-finished lower level offer potential for additional living space, bedroom, hobby area, or storage. Select high-end furnishings, handcrafted mountain bedframes, and tractor are negotiable. A rare opportunity to own a truly remarkable waterfront sanctuary!

1244 Satsop Road W, Montesano

Listing courtesy of Spivey Realty Group.

$1,450,000
4 Beds ⋅ 3 Baths ⋅ 2533847 MLS ⋅ ACTIVE Status
Situated on 72+ scenic acres with over 600 feet of private river frontage, this exceptional horse ranch offers the perfect blend of luxury living, agricultural functionality, and outdoor recreation. The 3,100 sq. ft. home features 4 bedrooms, 3 bathrooms, vaulted ceilings, abundant natural light, a spacious kitchen with walk-in pantry, extensive storage, pellet stove, heat pump, and tankless hot water. The oversized primary suite includes a massive bedroom and walk-in closet. Designed for equestrian and ranch living, the property includes horse stalls with tack room for five horses, grazeable pasture, hayfields, cropland, pig facilities, hay barns, equipment storage, commercial greenhouses, and a 25x60 five-bay shop. Fertile ground supports a variety of crops including hay, corn, potatoes, peas, and grains. Enjoy outstanding fishing and recreation with private river access and a secluded campground overlooking the water — perfect for entertaining, guests, or peaceful evenings outdoors. A rare opportunity to own a fully functional ranch property with beauty, privacy, and endless potential.

1381 Wynooche Valley Road, Montesano

Listing courtesy of Premier Real Estate Partners.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2527740 MLS ⋅ ACTIVE Status
Say hello to this fully remodeled, single-story home located on .43-acre corner lot in East Montesano! This home includes 1520 sq. ft. of living space featuring a 3 bedroom, 1.75 bath layout w/ an attached 1-car garage and all new fixtures, LVP flooring, and quartz countertops throughout. The interior includes a formal living room, dining area w/ formal wine bar, kitchen w/ eating space + stainless steel appliances and slow-close cabinets, a versatile great room, large utility room, 3/4 bath, primary bedroom w/ direct access to the primary bath and 2 additional bedrooms. Exterior features include all new masonry featuring a covered front patio, 848 sq. ft. back patio perfect for entertaining, and a detached 2-story shop w/ 30 amp service, and covered carport area perfect for RV's and/or additional vehicles storage.

1112 Brook Drive, Montesano

Listing courtesy of Spivey Realty Group, LLC.

$439,900
3 Beds ⋅ 3 Baths ⋅ 2531119 MLS ⋅ CONTINGENT Status
Welcome to this beautifully maintained 3 bed, 2.5 bath home tucked away on a quiet dead end road. Inside you'll find a warm and inviting layout featuring a cozy living room with a wood stove and beautiful brick mantle, and an additional family room offering extra space to relax or entertain. This home has seen numerous valuable updates over the years including new exterior stain, a 50-year roof installed in 2008, all new windows and heat pump in 2019, a new water heater in 2022, along with updated insulation and ductwork for improved comfort and efficiency. Also featuring an incredible backyard oasis designed for year-round enjoyment, with beautiful landscaping all re-vamped in 2019 and on. Step outside to the covered back patio complete with roll down shades, creating the perfect outdoor retreat. The fully fenced private yard showcases picturesque landscaping and offers both comfort and tranquility in a peaceful setting, sometimes hearing the sounds of the nearby football games making it feel like home! This property combines privacy, functionality, and pride of ownership all in one package... so come and make it your own!

705 N Glenn Street, Montesano

Listing courtesy of Better Properties Grays Harbor.

$1,450,000
4 Beds ⋅ 3 Baths ⋅ 2530763 MLS ⋅ ACTIVE Status
Situated on 72+ scenic acres with over 600 feet of private river frontage, this exceptional horse ranch offers the perfect blend of luxury living, agricultural functionality, and outdoor recreation. The 3,100 sq. ft. home features 4 bedrooms, 3 bathrooms, vaulted ceilings, abundant natural light, a spacious kitchen with walk-in pantry, extensive storage, pellet stove, heat pump, and tankless hot water. The oversized primary suite includes a massive bedroom and walk-in closet. Designed for equestrian and ranch living, the property includes horse stalls with tack room for five horses, grazeable pasture, hayfields, cropland, pig facilities, hay barns, equipment storage, commercial greenhouses, and a 25x60 five-bay shop. Fertile ground supports a variety of crops including hay, corn, potatoes, peas, and grains. Enjoy outstanding fishing and recreation with private river access and a secluded campground overlooking the water — perfect for entertaining, guests, or peaceful evenings outdoors. A rare opportunity to own a fully functional ranch property with beauty, privacy, and endless potential.

1381 Wynooche Valley Road, Montesano

Listing courtesy of Premier Real Estate Partners.

$879,900
4 Beds ⋅ 4 Baths ⋅ 2513192 MLS ⋅ ACTIVE Status
Unique opportunity in Swiss Meadows! Multi-generational, dual-living home with space, views, and flexibility! This ~4,550 sq ft home offers 5+ bed, 3.75 baths with an additional large bonus room upstairs. Open floor plan with hardwood floors through the kitchen and living area. Elegant kitchen and baths feature granite countertops, and the great room opens to a balcony—perfect for relaxing or dining while taking in the valley views. A spacious two-car garage includes an enclosed storage room for added functionality. The ~1,925 sq ft finished walk-out basement/ADU with separate entrance adds incredible versatility with its own kitchen, bedroom, bonus room living/dining and direct access to the backyard. Outside, you'll find ample driveway parking, fenced yard, large back deck perfect for entertaining. Hot tub, fire pit, playground, garden and fruit trees, shed all included! RV parking and attached 2-car garage! Really a turn-key, one of a kind home ready for its new owner!

230 Swiss Avenue, Montesano

Listing courtesy of Spivey Realty Group, LLC.

$550,000
4 Beds ⋅ 3 Baths ⋅ 2501901 MLS ⋅ ACTIVE Status
Located in the desirable Swiss Meadows neighborhood of Montesano, this beautifully crafted two-story home was built in 2014 and offers 2,648 sq. ft. of living space, along with a spacious two-car garage. The home welcomes you with tall ceilings and expansive windows that flood the interior with natural light. The main level begins with a versatile office/den with French doors, a convenient utility room, a half bath, and a kitchen featuring pendant lighting, granite countertops, and a hexagonal island for everyday dining. The layout flows seamlessly into a very spacious living room and dining area and is completed by a generously sized primary bedroom with a walk-in closet and a private en suite bathroom with a soaking tub and shower. Upstairs, the home continues to impress with a large great room that offers endless possibilities for a lounge, playroom, or additional living area, along with three generously sized bedrooms and a full bathroom. Outside, the property is just as inviting. Enjoy a fully fenced yard, ideal for privacy and pets, along with a large back deck, concrete patio, and outdoor playground—perfect for gatherings or relaxing evenings.

165 Meadow Loop, Montesano

Listing courtesy of Spivey Realty Group, LLC.

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