Oak Harbor Homes with USDA Loan Terms

Oak Harbor Homes with USDA Loan Terms

Welcome to Oak Harbor, a charming city located in Island County, Washington, USA. Known for its picturesque landscapes, friendly community, and a thriving real estate market, Oak Harbor is the perfect place to call home.

If you're considering buying a home in Oak Harbor, you'll be delighted to know that there are options available with USDA loan terms. This can make purchasing a home more affordable and accessible for many buyers. With favorable loan terms and a range of housing options to choose from, finding your dream home in Oak Harbor has never been easier.

Whether you're looking for a cozy cottage, a spacious family home, or a modern condo, Oak Harbor has something for everyone. From waterfront properties with stunning views to homes nestled in quiet neighborhoods, the real estate market in Oak Harbor offers diversity and quality.

Aside from its real estate offerings, Oak Harbor boasts a vibrant community with excellent schools, parks, and recreational facilities. Enjoy a relaxed lifestyle with easy access to outdoor activities such as hiking, boating, and fishing. The city also has a bustling downtown area with shops, restaurants, and local businesses to explore.

Don't miss the opportunity to experience the beauty and charm of Oak Harbor. Contact us today to learn more about available homes with USDA loan terms and start your journey to homeownership in this wonderful city.

Newest Oak Harbor Homes with USDA Loan Terms

$799,000
4 Beds ⋅ 3 Baths ⋅ 2572205 MLS ⋅ ACTIVE Status
Wake each morning to breathtaking sunrises over Skagit Bay, with sweeping views of Mount Baker, Hope and Goat Islands creating an ever-changing backdrop. Perfectly positioned between Deception Pass and Dugualla State Parks, this beautifully updated home offers the ideal blend of comfort, scenery, and Whidbey Island lifestyle. Situated on approximately one acre, this move-in-ready 4-bedroom, 2.5-bath home has been extensively refreshed with new LVP flooring on the main level, new carpeting on the lower level, fresh interior paint, updated lighting, and an enhanced eat-in kitchen featuring a new sink, faucet, dishwasher, and electric cooktop. Offering approximately 2,600 square feet, the thoughtfully designed floor plan includes generous living and dining spaces positioned to capture the spectacular views, a spacious family room, flexible lower-level living, and a dedicated sewing/crafts room that also serves beautifully as a home office. Step onto the expansive east-facing deck to enjoy sunrise coffee, outdoor entertaining, wildlife watching, and moonlight reflecting across the bay. Blooming trees provide seasonal beauty, while the oversized 3-car garage offers exceptional storage and workspace. With panoramic water and mountain views, meaningful updates throughout, and approximately one acre of beautifully situated property, this exceptional home is ready to be enjoyed from day one.

4444 Norris Lane, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$575,000
3 Beds ⋅ 3 Baths ⋅ 2572193 MLS ⋅ ACTIVE Status
Whidbey living can be yours in this fun & functional 2,094 sf home. Centrally located, the move-in ready 3 bed/3 bath home is sure to tick all the boxes. The main level shines with a welcoming living room, transitional dining area, & nice kitchen featuring a professional-grade range & hood, stainless steel appliances, abundant counter space and storage, & clever built-ins. The primary suite captures the pretty natural light & distant views, offers a walk-in closet, & 3/4 bath. A laundry room w/built-in folding station is a wonderful bonus, & an additional bedroom & full bath complete the upper level. Head downstairs to the light-filled daylight basement, where a cozy family room anchored by a free-standing wood burning stove invites you to relax. A sunny den/bonus room, 3/4 bath, generous storage, & spacious bedroom provide room for everyone. A separate-entry into the storage/workroom offers the flex space every homeowner covets. The home is pre-wired for sound, features a built-in central vacuum, new hot water heater, new interior & exterior paint, & eight y/o roof. Outside, a flagstone entry framed by garden beds & a patio create a welcoming arrival. A woodshed w/stacked wood, propane tank, & storage shed are included for the new owner. A state-of-the-art septic system to be installed early September ensures longevity & peace of mind. Enjoy everything the Rolling Hills community offers: pool, private dock, beach & pier access, sports courts, ball field, & clubhouse.

1002 Carl Avenue, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2570544 MLS ⋅ ACTIVE Status
This move in ready three bedroom rambler sparkles from top to bottom in the heart of town. Step inside to discover fresh interior paint, updated LVP flooring, and crisp trim throughout the inviting living spaces. The bright kitchen features beautiful oak cabinetry alongside updated lighting fixtures, making it a warm center for everyday living. Comfort and practical upgrades continue throughout, including a new ceiling fan in the main bedroom, privacy screen doors, and a newly installed water heater for worry free living. A standout highlight of this property is the versatile flex room, which boasts a private outside entrance and rare Zoned Residential Office status. Whether you choose to utilize this adaptable space as a dedicated home business, a remote work setup, a creative studio, or an extra bedroom, the functional design easily adjusts to your lifestyle. Step outside to relax or entertain on the wonderful back deck, perfectly set within a fully fenced yard that provides exceptional privacy, security, and space to enjoy. Situated just minutes from local schools, shopping, services, and NAS Whidbey, this exceptional property combines everyday convenience with incredible potential. Do not miss this rare opportunity to own a beautifully updated home in a central Oak Harbor location.

49 SW 8th Avenue, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$518,785
3 Beds ⋅ 2 Baths ⋅ 2568008 MLS ⋅ ACTIVE Status
Discover effortless single-level living in this extensively updated, move-in-ready home designed for comfort and enjoyment. The spacious, open layout offers 3 bedrooms and 1¾ baths, with thoughtful upgrades throughout. At the heart of the home is a stunning, oversized kitchen featuring new cabinetry, stainless-steel appliances, and elegant solid-surface countertops with a complementary backsplash. Additional improvements include newer windows and roof, a ductless heat pump for year-round comfort, and durable luxury vinyl plank flooring throughout. Outside, the beautifully landscaped and fully fenced backyard provides a private retreat with lush gardens, a welcoming fire-pit area, and abundant raspberries, grapes, and seasonal plantings—without the maintenance of a traditional lawn. A large Tuff Shed, along with an additional covered storage area, offers exceptional room for tools, hobbies, recreational gear, plus RV and boat storage. Large freshly painted 2 car garage with opener/keypad makes coming home a breeze! Conveniently located in town near everyday services and NAS Whidbey Island, this exceptional property is beautifully prepared for relaxed indoor-outdoor living and ready to welcome its next owner.

1961 NE 9th Avenue, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$4,500,000
4 Beds ⋅ 2 Baths ⋅ 2568383 MLS ⋅ ACTIVE Status
Incredible opportunity to own 128 acres on 5 parcels that offer many features for cattle/livestock operation with no conservation easement. Currently operating to raise heifers, but was a former dairy farm. Water rights offer 90 acres of irrigation. 9 loafing sheds of various sizes ranging from 3,000 sq. ft. to 5,600 sq. ft. along with 3 barns between 3,968 to 10,928. Topography allows for significant privacy. Water views of Penn Cove to the south. Significant storage space. Massive shop with office, break room, mezzanine with shelving for equipment and parts. Main home offers 3,742 sq. ft. with 4 bedrooms and 2 bathrooms. Located between downtown Oak Harbor and Coupeville. Delaurentis Airport nearby for regional flights and hangers for private pilots. Ideal for those looking to operate a successful farm near all desirable amenities. Come view this property before its gone.

1240 Arnold Road, Oak Harbor

Listing courtesy of American Dream R. E. Services.

$659,000
4 Beds ⋅ 3 Baths ⋅ 2566731 MLS ⋅ ACTIVE Status
Rare find in Marin Woods: a 2023 Huseby Homes build that lives like new construction without the new-construction wait. The one owner has never used the primary suite — the fridge still smells brand new. Four bedrooms + large den, two and a half baths, 2,359 square feet of open-plan living with a stacked-stone fireplace anchoring the great room. The kitchen carries every upgrade: quartz waterfall island, arabesque backsplash, full-height cabinetry, stainless appliances, and the Electrolux washer and dryer stay. Primary suite adds a tray ceiling, dual vanities, and a freestanding soaking tub with separate tile shower. Fully fenced backyard, mature landscaping in place — no dirt lot to plant. Heat pump with A/C, city sewer, no septic. Furniture negotiable. Sold by the Personal Representative under nonintervention powers; Form 17 exempt. VA-eligible with clean condition and no expected repair conditions. Ten minutes to Ault Field, five minutes to downtown Oak Harbor.

2209 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Real Estate/East.

$505,000
3 Beds ⋅ 2 Baths ⋅ 2567022 MLS ⋅ ACTIVE Status
Step inside and you'll immediately notice the vaulted ceilings, bringing an open, airy feel to this comfortable Oak Harbor rambler. With 3 bedrooms, 2 baths, and approximately 1,654 square feet, there's plenty of room to spread out while still enjoying the ease of one level living. The living room and dining area come together naturally, giving you a comfortable space to gather, relax, and enjoy time at home. The kitchen offers plenty of cabinet space, a walk-in pantry, and a seating area that looks out toward the backyard. The primary bedroom features its own en suite bathroom and walk-in closet, while two additional bedrooms and a full bath give you room to make the space your own, whether you need a guest room or office. Outside, the covered patio gives you a comfortable spot to enjoy the backyard in just about any weather. The fully fenced yard has room for a garden, summer barbecues, pets, or simply a little space to relax and unwind. Tucked into one of Oak Harbor's charming neighborhoods, you're close to NAS Whidbey, schools, parks, shopping, restaurants, and the everyday places that make life convenient. With a comfortable layout and one level living, this home makes it an easy place to settle into and make your own.

229 NW Cherry Hill Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$529,000
3 Beds ⋅ 2 Baths ⋅ 2561931 MLS ⋅ ACTIVE Status
Welcome Home to Redwing! This beautifully maintained contemporary home is truly move-in ready! Soaring vaulted ceilings in the foyer & living room create a bright, open, and inviting atmosphere from the moment you step inside. Enjoy year-round comfort & energy efficiency w/ natural gas forced-air heating, a cozy gas fireplace, gas water heater, & gas range. The spacious kitchen is designed for both everyday living & entertaining, featuring a center island, granite countertops, rich oak cabinetry, a pantry, and newer appliances. The private primary suite offers a relaxing retreat w/ dual vanities in the ensuite bath. An oversized laundry room includes a deep utility sink and abundant wall-to-wall cabinetry, providing exceptional storage and convenience. Step outside to the fully fenced backyard—perfect for entertaining, gardening, or creating your own outdoor oasis. There's plenty of room for pets to play, space to add a gazebo, or simply relax with your morning coffee or evening tea. A storage shed adds even more functionality. Ideally located just minutes from NAS Whidbey, this home is within walking distance to Hillcrest Elementary& Oak Harbor High School. You'll also enjoy being just minutes from the beach, where you can take in Whidbey Island's spectacular sunsets. Best of all, all appliances stay, making this truly a turnkey home ready for its next owner. Don't miss this opportunity—schedule your showing today and make this beautiful Redwing home your new address!

1382 NW Kathleen Drive, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$509,000
3 Beds ⋅ 3 Baths ⋅ 2558917 MLS ⋅ ACTIVE Status
Set in a private yet centrally located pocket of town—custom, nearly-new construction at 1,738 square feet. The living room pairs LVP floors & oversized picture windows with a seamless transition to the dining space—a layout that works for quiet weeknight dinners as easily as it does for hosting a crowd.The open kitchen has polished quartz counters, custom cabinetry, entertaining island/breakfast bar, & walk-in-pantry. An efficient heat-pump (offering year-round comfort), low-maintenance fenced yard/sunny patio, plus nominal monthly dues to cover landscaping, community park/play area & more--providing the lifestyle perks without the weekend work! Minutes from schools, stores & base, yet still your own quiet escape. More? The seller is offering a $15,000 credit toward closing costs or a rate buy-down—a lower payment from day one. The hard part is already done—come see the rest...!

360 SW Ballast Way, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$419,000
3 Beds ⋅ 1 Baths ⋅ 2552111 MLS ⋅ ACTIVE Status
SELLER OFFERING $5,000 CREDIT TOWARDS RATE BUYDOWN OR CLOSING COSTS! Ideally located just minutes from the base gate, this three bedroom, one bath home also offers easy access to nearby beaches and the scenic recreation of Deception Pass. Enjoy stunning west-facing sunsets while living in a location that blends convenience with the best of the Pacific Northwest outdoor living. Whether you're searching for a starter home or a smart investment property with strong rental potential, this home is full of opportunity.

4288 N Northgate Drive, Oak Harbor

Listing courtesy of Century 21 North Homes Realty.

$798,000
3 Beds ⋅ 3 Baths ⋅ 2559086 MLS ⋅ ACTIVE Status
Wake up to the quintessential Pacific Northwest lifestyle in this freshly renovated, split-entry water view home just off Scenic Heights Drive. Situated in a quiet, well-maintained Oak Harbor neighborhood, this beautifully updated 3 BR, 2.25 bathroom, 2,014 square foot home perfectly captures panoramic views of Puget Sound and the majestic Cascade Mountains as well as views of idyllic farmland and the Olympic Mountains. Step inside to find a completely refreshed interior featuring brand-new flooring, freshly painted walls, new lighting and beautifully updated bathrooms that lend a sleek, modern feel throughout. The thoughtful layout offers two separate living areas—each anchored by its own cozy fireplace—providing incredible flexibility for entertaining or multi-generational living. The outdoor space is an absolute standout. Sitting on a generous .298-acre lot, the fully fenced backyard is an oasis ready for your PNW garden, complete with a dedicated tool/garden shed, a fire pit for crisp evenings, and a spacious back deck made for morning coffee with a sound and mountain view. Practicality meets convenience with a 2-car garage, ample dedicated RV or trailer parking, and a premier location just 16 minutes to NAS Whidbey, 7 minutes to shopping, 25 minutes to the iconic Deception Pass State Park and not far from Coupeville, Fort Casey State Park, Fort Ebey State Park and Joseph Whidbey State Park. Welcome home to peaceful island living and let the adventures begin!

1264 Eagle Crest Drive, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2558234 MLS ⋅ ACTIVE Status
Welcome to this charming Oak Harbor rambler offering 3 bedrooms, 1 bathroom, and nearly a quarter-acre of fully fenced outdoor space. Inside, you’ll find a spacious room that flows into the open kitchen and dining area, creating a warm and inviting layout perfect for gathering with friends. The expansive backyard provides endless possibilities for entertaining, gardening, play, or simply relaxing in your own private retreat. Conveniently located near schools, shopping, parks, and NAS Whidbey, this home offers the perfect blend of comfort, functionality, and room to grow. All appliances stay!

1580 NE 11th Avenue, Oak Harbor

Listing courtesy of NextHome 365 Realty.

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