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

$490,000
2 Beds ⋅ 2 Baths ⋅ 2572374 MLS ⋅ ACTIVE Status

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.

$624,900
4 Beds ⋅ 3 Baths ⋅ 2564805 MLS ⋅ ACTIVE Status
Wide paved streets, the safety of sidewalks & a welcoming bustle that resounds through one of the area's most desirable neighborhoods. Set on an over-sized lot & within easy reach of schools, parks & everyday conveniences, beauty & function work in perfect balance. 2,212 asf unfold over two stories: 4 bedrooms, 2 separate living areas & 2 bonus rooms—one up, one down—shaping your space around how you actually live. The open kitchen has ample storage, polished quartz counters, SS appliances & a breakfast bar. Since 2020, the big-ticket items have been handled: Hardi-plank siding, 30-year composition roof & a heat pump regulating your comfort in every season. More? CoreLuxe vinyl plank floors & quality carpet throughout—wow! Natural gas features & vinyl windows keep it efficient, & the 3-car garage keeps it uncluttered. Outside? A fully fenced & level yard—room to garden, room to run & room to gather—feet up, wind down, year round. Well-loved, better-kept...

1836 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$549,700
3 Beds ⋅ 3 Baths ⋅ 2569623 MLS ⋅ ACTIVE Status
Welcome! Come down a private drive, nestled in the trees, to this lovely home. The Country front porch invites you into the main floor with a very nice eat in Kitchen, Office/Den, Dining room and Living room with gas fireplace. French door to the fully fenced back yard. There are 3 sizeable bedrooms (Primary suite), with new carpets, laundry and a spacious Family room upstairs. An inviting 2 car garage allows for all sorts of hobbies and has backyard access door. New 30 year roof installed April 2026 This Redwing neighborhood offers a Community park at the end of your driveway. You couldn't get a better location being close to the Beach, Golf Course, Schools, Navy base and town. Come be a part of a great neighborhood!!!

1186 NW Kathleen Drive, Oak Harbor

Listing courtesy of Keller Williams Western Realty.

$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.

$539,000
3 Beds ⋅ 2 Baths ⋅ 2569399 MLS ⋅ ACTIVE Status
This refreshed single-level Oak Harbor home delivers the kind of updates buyers hope to find already done. Set on a spacious lot in a convenient established neighborhood, the home features new flooring, fresh interior paint, a new roof, new gutters, a new deck, plumbing updates, and a 2024 water heater. The layout is comfortable and practical, with inviting main living areas, well-sized bedrooms, and a cozy pellet stove that adds warmth and character. Outside, enjoy a generous backyard with existing fencing, fresh deck space, and room to relax, entertain, garden, or play. With major improvements complete and a clean, updated feel throughout, this home offers everyday comfort, peace of mind, and an easy path to making it your own. Estate sale, sold as-is.

1206 Independence Court, Oak Harbor

Listing courtesy of ReLuTy Corp.

$470,000
3 Beds ⋅ 1 Baths ⋅ 2569313 MLS ⋅ ACTIVE Status
Welcome home to this charming 3-bedroom rambler-an ideal starter home in central Oak Harbor location! Enjoy the convenience of having a park right across the street, with schools, shopping, and downtown Oak Harbor just minutes away. This beautifully updated one-story home offers a spacious living room anchored by a cozy gas fireplace, creating the perfect space to relax or gather with friends. The updated kitchen features rich cabinetry, updated countertops, sink & stainless steel appliances, combining style and functionality. Major updates provide added peace of mind, including roof, siding ,windows, water heater, electrical, and plumbing fixtures- all installed in 2018. Step outside to a huge, fully fenced backyard with plenty of room for gardening, entertaining, pets or play. This move-in ready home offers comfort, value, and an unbeatable location. Don't miss your opportunity to make it your new home!

863 SE 6TH Avenue, Oak Harbor

Listing courtesy of John L. Scott Anacortes.

$499,725
3 Beds ⋅ 3 Baths ⋅ 2568899 MLS ⋅ ACTIVE Status
Enjoy sunsets & westerly views of Cranberry Lake & San Juan Islands in this beautiful home offering 3 spacious bedrooms + a dedicated office. A large lower-level bonus room features its own private 3/4 bath, WIC & separate entry from the garage—offering flexibility for a potential primary suite, guest quarters, multigenerational living, or other living needs. Recent updates include Renewal by Andersen windows, new roof, new deck & SS appliances. The generous lot provides room for RV/boat parking & a charming treehouse for outdoor enjoyment. Deception View Park residents enjoy a community park and a walking path connecting directly to Deception Pass State Park—perfect for hiking, exploring, and enjoying the Pacific Northwest lifestyle.

637 Cranberry Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$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.

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