Oak Harbor Homes with VA Loan Terms

Oak Harbor Homes with VA Loan Terms

Welcome to Oak Harbor, a charming city located in Island County, Washington, USA. Known for its picturesque surroundings, friendly community, and rich history, Oak Harbor offers a wonderful place to call home.

For those looking to settle down in this beautiful city, homes with VA loan terms are readily available. With VA loans, eligible veterans, active-duty service members, and their families can achieve the dream of homeownership with favorable terms and benefits. Whether you're a first-time homebuyer or looking to relocate, Oak Harbor provides a range of housing options that cater to different preferences and budgets.

From cozy cottages to spacious family homes, Oak Harbor's real estate market has something for everyone. Enjoy the convenience of living in a city that balances small-town charm with modern amenities. Explore the local shops, restaurants, parks, and outdoor recreational activities that make Oak Harbor a desirable place to live.

Let us help you find the perfect home with VA loan terms in Oak Harbor. Contact us today to start your journey towards owning a piece of this vibrant community. Experience the warmth and beauty of Oak Harbor - where you can create lasting memories and build the life you've always wanted.

Newest Oak Harbor Homes with VA Loan Terms

$569,000
3 Beds ⋅ 2 Baths ⋅ 2572979 MLS ⋅ ACTIVE Status
Enjoy a brand-new 3-bedroom, 2-bath manufactured home on three private acres in a beautiful North Whidbey setting. Set at the end of a private drive shared with just a few neighbors, this property combines privacy and mature evergreens with convenient access to Oak Harbor and NAS Whidbey Island. The home sits in a cleared portion of the property overlooking neighboring fields, creating an open, sunny setting with plenty of natural light. Inside, the open-concept kitchen features modern wood cabinetry, upgraded stainless steel appliances, and a generous island. Spacious living and dining areas provide a comfortable setting for everyday living and entertaining. The primary suite features a private bath and sizable walk-in closet. Two additional bedrooms are located at the opposite end of the home and share the full main bathroom. Enjoy gardening space, RV parking, mature evergreens, and room to make the property your own. The home is onsite with final assembly and finish work underway and is expected to be ready by the end of September. Some photos are virtual examples of the home and finishes. The property is close to NAS Whidbey Island and experiences frequent military jet traffic. The home meets Island County’s required 30-decibel noise level reduction standard, including enhanced insulation and construction designed to reduce interior aircraft noise. Contact your agent or the listing broker to arrange a tour.

4063 Lambourn Lane, Oak Harbor

Listing courtesy of Windermere RE Anacortes Prop..

$522,500
3 Beds ⋅ 1 Baths ⋅ 2573024 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom home with an incredible outdoor setting! The stylish kitchen features shaker cabinetry, quartz countertops, stainless steel appliances and updated lighting, while the modern bath is conveniently located adjacent to the primary bedroom. Enjoy year-round comfort with high-end double-pane windows and A/C. Gather around the cozy fireplace in the spacious living room or step outside to the showstopping backyard. Fully fenced with charming farmhouse-style hog wire fence panels, this private, terraced retreat offers a large lawn, expansive patio and plenty of space to entertain, garden, play or simply unwind. A 1-car garage plus additional space for RV parking and recreational toys adds versatility. Tucked into a private setting while still convenient to Oak Harbor amenities and not located in the flight path, this property offers beautiful outdoor living, thoughtful updates, zero down payment financing options, and low property taxes—a combination that's hard to find!

1808 Wellington Drive, Oak Harbor

Listing courtesy of John L. Scott Skagit.

$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.

$549,000
3 Beds ⋅ 2 Baths ⋅ 2572435 MLS ⋅ ACTIVE Status
Welcome to Woodglen Estates, where a beautifully kept pocket of homes is tucked into the desirable west side of Oak Harbor. This fantastic single-level home offers 3 bedrooms, 2 bathrooms, and a light-drenched living and dining area. Enjoy the living room's propane fireplace during colder months or step out back to the fully-fenced backyard w/ large (and partially covered) back deck. Need more? Newly renovated bathroom, skylights, vaulted ceilings, walk-in pantry, & spacious laundry room. Head out on trail walks just beyond the back fence, take a quick drive to NAS Whidbey, town and amenities, or enjoy nearby parks & beaches. Take advantage of a $5000 credit to update carpets or your own improvements. Homes in this neighborhood are rarely available!

2042 Doe Drive, Oak Harbor

Listing courtesy of Real Broker LLC.

$589,000
3 Beds ⋅ 3 Baths ⋅ 2571758 MLS ⋅ ACTIVE Status
Welcome to Crosby Commons and the relaxed lifestyle of Whidbey Island. Offering 3 bedrooms, 2.5 baths, and 1,940 sq. ft. This thoughtfully designed home features a sought-after main-floor primary suite with a walk-in closet and private bath. The bright, open living area is centered around a cozy gas fireplace. Step outside to the deck and terraced garden, with plenty of room to relax, entertain, or create your own outdoor retreat. Newer LVP flooring adds style and easy maintenance to the main level. Upstairs, two additional bedrooms and a full bath provide flexible space for guests, hobbies, or a home office. The garage offers a workbench and plenty of storage, with a garden shed providing additional space for tools and outdoor gear. Beyond the front door, enjoy everything that makes Oak Harbor and Whidbey Island special—waterfront parks, beaches, boating, hiking, local restaurants, community events, and incredible Pacific Northwest scenery. Conveniently located near downtown Oak Harbor and NAS Whidbey Island, with Deception Pass and endless island adventures just a short drive away.

961 NW Longview Drive, Oak Harbor

Listing courtesy of Goldhouse Realty.

$875,000
4 Beds ⋅ 3 Baths ⋅ 2572379 MLS ⋅ ACTIVE Status
Escape to your own private oasis among the trees. Nestled in the secluded Whidbey Highlands neighborhood, this special property offers privacy, natural beauty, and an abundance of space for comfortable family living. The main-floor primary suite features a private bath and its own deck—an ideal spot to start the morning with coffee while taking in the view. Upstairs, two additional bedrooms and an office provide flexible space for working from home, guests, or hobbies. The lower level expands the possibilities with two more bedrooms and a bonus room, creating plenty of room for guests, recreation, or multi-generational living. The hidden workshop beneath the deck offers a unique space for projects, tools, or hobbies. Outside, the natural beauty of Whidbey Island surrounds you. A returning mated pair of bald eagles adds a truly special touch to this peaceful setting, making their home among the surrounding trees. Enjoy nearby Dugualla State Park, beaches, boating, hiking, wildlife, local restaurants, community events, and the spectacular scenery that makes island living so special. Downtown Oak Harbor and Naval Air Station Whidbey Island are within convenient reach, while Deception Pass State Park and countless outdoor adventures are just a short drive away. Make every day feel like a getaway in your own Whidbey Island retreat.

780 Greenoch Loop, Oak Harbor

Listing courtesy of Goldhouse Realty.

$490,000
2 Beds ⋅ 2 Baths ⋅ 2572374 MLS ⋅ ACTIVE Status
520 SW 4th Ave is a beautifully maintained and extensively updated single-story rambler in one of Oak Harbor's most established and sought-after residential neighborhoods. Located just 0.2 miles from Broadview Elementary and minutes from shopping, dining, NAS Whidbey Island, and the breathtaking beauty of Deception Pass, this property offers the complete Whidbey Island experience. A lush, fully landscaped yard, fresh exterior paint, and classic wood-product siding create an inviting first impression. Inside, you'll discover a thoughtfully designed 1,510 square foot floor plan that lives large, offering two generously sized bedrooms, two updated bathrooms, and an expansive family room. The living room showcases durable LVT floors and an open, airy feel, while the formal dining room flows seamlessly from the kitchen, which features a gas range, oak cabinetry, and included appliances. The flooring is fully updated with LVT, ceramic tile, vinyl, and new carpeting ties.The oversized primary bedroom is a true retreat, complete with a private ensuite bath and direct access to a serene, fenced back patio. Major improvements by the current owners include a new composition roof, all-new attic and crawlspace insulation, modern interior doors, and a highly efficient mini-split HVAC system providing year-round heating and air conditioning

520 SW 4th Avenue SW, Oak Harbor

Listing courtesy of William E. Johnson.

$1,399,000
2 Beds ⋅ 3 Baths ⋅ 2571391 MLS ⋅ ACTIVE Status
This is a rare Whidbey Island gem. A serene waterfront estate, only minutes from downtown Oak Harbor, lies behind a gated entrance on more than 6 private acres with panoramic saltwater, mountain & City views. Extensively remodeled, the 2,120± sf main home offers effortless single-level living with light-filled living areas, primary bedroom suite, flex rooms & 3 view decks! A spacious 640± sf basement has abundant storage & project space & the oversized 744± sq. ft. two-car garage comes complete with a fitness area & utility sink. An immaculate 784± sq. ft. detached guest cottage provides an exceptional retreat (or income provider) with an open studio layout, separate kitchen & dining area, & a spacious ¾ bath. Stroll along a private wooded path to a secluded view deck, perfect for relaxing or working remotely with dedicated high-speed Wi-Fi. A tennis/pickleball court, woodland trails, a herb garden, pergola, mature fruit trees, & an RV carport, offer exceptional opportunities for recreation, relaxation, & everyday convenience. The property benefits from Energy efficient solar panels (with battery back up for peace of mind if the power goes out)) & a single party well. Close to the amenities of Oak Harbor yet feeling a world away, this extraordinary waterfront property offers unmatched tranquility & an effortless connection to the Island's natural beauty. A truly rare opportunity & a must-see!

1526 Scenic Heights Road, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$695,000
4 Beds ⋅ 3 Baths ⋅ 2571043 MLS ⋅ ACTIVE Status
More space. More privacy. More room to feel at home. With four large bedrooms and multiple living areas, this Fairway Point home offers the separation and flexibility that can be hard to find. Built in 2015, the home backs to acreage for an added sense of privacy while remaining close to everything Oak Harbor has to offer. Downstairs, the open-concept kitchen and family room create a natural gathering place, while the upstairs bonus room gives movie nights, games, work, or quiet time a space of their own. At the heart of the home, the kitchen features a generous island, granite countertops, stainless appliances all updated since 2024, and plenty of room to cook, entertain, and connect. Brand-new flooring and carpet throughout both levels add a fresh, move-in-ready feel. The finished 3-car garage provides flexibility for vehicles, storage, a home gym, or workshop. Outside, enjoy a fenced backyard, covered front and back porches, and easy-care landscaping. The home sits in the Hillcrest elementary attendance area while Fort Nugent Park—with athletic fields, a playground, trails, and disc golf—is just a short walk away. Spacious, comfortable, and easy to maintain, this home combines the benefits of an open floor plan with something increasingly hard to find: plenty of room for everyone to have a space of their own.

1873 SW Downfield Way, 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.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2569207 MLS ⋅ ACTIVE Status
Charming, updated, and ready to welcome you home! This adorable Oak Harbor rambler blends timeless character with fresh updates and easy one-level living. Step inside to a bright, freshly painted interior with brand-new carpet, a beautifully updated bathroom, and a kitchen with thoughtful updates while still leaving room to make it your own. Three bedrooms with great windows offer plenty of natural light, while the bonus room gives you that extra space everyone loves. Outside, enjoy a fully fenced yard complete with a covered patio, dog run, and large shed/workshop ready for hobbies, projects, or extra storage. A durable metal roof adds peace of mind, too! Conveniently located near both Navy bases, the library, restaurants, beaches, parks, and everyday amenities. Whether you're buying your first home, looking for easy one-level living, or ready to downsize without giving up the yard and extra space, this sweet Oak Harbor home has so much to love!

49 SE Pasek Street, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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