Ocean Shores Homes with USDA Loan Terms

Ocean Shores Homes with USDA Loan Terms

Ocean Shores: A Coastal Gem in Grays Harbor County, Washington

Nestled along the beautiful coastline of Grays Harbor County, Washington, lies the charming city of Ocean Shores. With its breathtaking views of the Pacific Ocean, miles of sandy beaches, and abundance of outdoor activities, Ocean Shores is a true coastal gem.

As part of the United States, Ocean Shores offers a unique blend of natural beauty and urban conveniences. Located in Washington state, this city provides residents with easy access to major cities like Seattle and Tacoma, making it an ideal location for those seeking a peaceful coastal lifestyle without sacrificing the amenities of city living.

One notable aspect of Ocean Shores is the availability of homes with USDA loan terms. The USDA loan program is designed to assist low- to moderate-income homebuyers in rural areas, and Ocean Shores qualifies as one such area. This means that potential homebuyers can take advantage of favorable loan terms, including low interest rates and flexible credit requirements, to make their dream of homeownership a reality.

Whether you're looking for a permanent residence or a vacation home, Ocean Shores offers a wide range of housing options to suit every taste and budget. From cozy beachfront cottages to modern condominiums with stunning ocean views, there is something for everyone in this vibrant coastal community.

In addition to its natural beauty and affordable housing options, Ocean Shores boasts a variety of recreational activities. Residents and visitors can enjoy beachcombing, fishing, boating, golfing, and exploring the nearby Olympic National Park. The city also hosts numerous events and festivals throughout the year, providing a lively and engaging community atmosphere.

If you're seeking a coastal retreat that offers a relaxed lifestyle and the opportunity to own a home with USDA loan terms, Ocean Shores should be at the top of your list. Discover the beauty and charm of this coastal gem and make Ocean Shores your new home.

Newest Ocean Shores Homes with USDA Loan Terms

$365,000
3 Beds ⋅ 2 Baths ⋅ 2571979 MLS ⋅ ACTIVE Status
Beach living in Ocean Shores! Located just across from the dunes and Pacific Ocean, this 3 bedroom, 2 bath home offers 1,480 sq ft and plenty of that classic beach house feel. Step inside to an open living, dining and kitchen area with vaulted ceilings, a wood stove and large front windows that bring in tons of natural light. Two bedrooms and a full bath are located on the main floor, while the upstairs primary suite gives you your own space along with views toward the ocean.Sit out on the front porch with your morning coffee, watch the sunsets, or head out to one of the nearby beach entrances and spend the day on the sand. The fenced yard and gated driveway give you plenty of room outside, plus a garage and RV parking.Located on the quieter south end of Ocean Shores near the North Jetty, Damon Point, parks, beach access and miles of coastline to explore. Home is in the Ocean Shores Community Club, with amenities throughout town including indoor and outdoor pools, hot tub, saunas, fitness room, basketball and tennis courts, pickleball, playgrounds, parks and more.Whether you're looking for a full time home, weekend getaway or your own place at the beach, this one has so much to offer!

1050 Ocean Shores Boulevard, Ocean Shores

Listing courtesy of CENTURY 21 Real Estate Center.

$349,000
3 Beds ⋅ 2 Baths ⋅ 2558526 MLS ⋅ ACTIVE Status
Bring your golf clubs and enjoy this beautifully maintained three-bedroom, 1 3/4-bath home located directly on the Ocean Shores Golf Course just off the 8th tee. Enter through the formal foyer and step into the spacious open-concept living area featuring large windows with golf course views propane fireplace and NEW carpeting throughout.The generous kitchen offers title flooring large granite island with ample storage black appliances—including a new range beverage refrigerator dishwasher and side-by-side refrigerator. Two guest bedrooms share a conveniently located central full bath with custom granite vanity and additional storage. Private primary suite is located at the rear of the home and features a convenient half bath with custom granite vanity and upgrade lighting. The oversized two-car garage includes a dedicated laundry additional workshop space and a shower-perfect after an afternoon at the beach. Outdoors enjoy a fully fenced backyard, enclosed greenhouse, and a landscaped private corner with a concrete hot tub pad and electrical hookup. The front yard features attractive landscaping two electrically equipped storage sheds and RV parking with full hookups. Recent improvements include a NEW ROOF and new carpeting in 2026 and windows installed approximately three years ago. Ideally situated near the beach, lake, canals, jetty, golf course, and town amenities, this home offers the perfect opportunity to relax and enjoy the coastal Ocean Shores lifestyle.

237 Dolphin Avenue NE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$795,000
4 Beds ⋅ 3 Baths ⋅ 2560434 MLS ⋅ ACTIVE Status
Enjoy breathtaking jetty and ocean views from nearly every room of this spacious 4-bedroom 3-bath home taking advantage of spectacular coastal setting. Enter on the first floor where a two-car garage provides parking on either side of the entry. This level also includes storage room, laundry shop space and dumb waiter extending to the third floor, Second floor features luxury vinyl flooring inviting open-concept living area w/vaulted ceilings. Living room is framed by large windows overlooking the jetty and includes a wood-burning fireplace perfect for cozy evenings at the coast. Chef's kitchen offers black appliances, beautiful wraparound cabinety w/lazy Susans, walk-in pantry, eating bar and double sinks facing jetty views. Adjacent dining area has sliding glass doors to the deck to relax while watching ships and boats going to port! Primary suite has vaulted ceiling, ceiling fan glass-sliding closet doors & private bath w/step-in shower. Adjacent guest room also has vaulted ceiling & close to the central full bath. Carpeted third floor offers another primary suite w/vaulted ceilings and wall of windows overlooking the Jetty offering whale watching or pelicans soaring above the rocks searching for fish. Suite opens to shared bath w/double sinks vaulted ceilings and sky lights. Off the bath is fourth bedroom w/vaulted ceiling and sky light. Property has easy care landscaping room for RV parking and opporunity to experience beauty & tranquility of ocean life!

1497 E Ocean Shores Boulevard SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$285,000
3 Beds ⋅ 2 Baths ⋅ 2568909 MLS ⋅ ACTIVE Status
Beach-close, view-filled, and extensively updated! 3-bedroom, 2-bath Ocean Shores home is located just a few blocks from the beach and features partial views of Mt. Rainier and the jetty, plus an upper deck for enjoying the scenery. Main level includes all three bedrooms and two baths, while the lower level adds bonus space/room, laundry room, and a 2+ car carport beneath the home. A new roof, approximately 4 years old! Numerous updates include all-new appliances, fresh interior paint, new molding, flooring, lighting, and interior ceilings. Bathroom has been refreshed with new tile, vanity, and lighting. Minutes from town and close to the beach for easy access to Ocean Shores’ recreation and coastal activities. Ocean Shores community club membership provides access to two outdoor pools, indoor pool and jacuzzi, workout room, basketball court, parks, classes, and community events. Duck Lake is stocked and offers fishing opportunities.

1285 Fairwood Drive SW, Ocean Shores

Listing courtesy of John L. Scott, Inc.

$600,000
3 Beds ⋅ 2 Baths ⋅ 2565116 MLS ⋅ ACTIVE Status
Tucked away in one of Ocean Shores' most private beachfront settings, this beautifully renovated coastal home offers the perfect blend of seclusion, character, and beach living. With a direct path to the sand just steps away, you'll enjoy the peaceful sounds of the Pacific, unforgettable sunsets, and easy access to miles of shoreline—all while being just one block from the vehicle beach approach. Thoughtfully updated throughout, the home features a new roof (2024), expansive wraparound upper deck (2020), and extensive interior renovations that make it equally suited as a full-time residence or weekend getaway. Soaring ceilings with exposed original beams create warmth and architectural character, while oversized windows fill the home with natural light and capture glimpses of the coastline beyond. Outside, mature coastal landscaping surrounds the home, creating exceptional privacy rarely found this close to the beach. The fully fenced backyard offers a peaceful retreat with concrete walkways, room to entertain, and direct access toward the ocean. Whether you're enjoying your morning coffee on the deck, listening to the waves, or ending the day with another spectacular coastal sunset, this home invites you to slow down and enjoy the best of beach living. With timeless character, thoughtful updates, and an unbeatable location near the ocean, this is a rare opportunity to own a private coastal retreat in one of Ocean Shores' most sought-after neighboroods.

507 Sand Dune Avenue SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$289,000
2 Beds ⋅ 1 Baths ⋅ 2566703 MLS ⋅ ACTIVE Status
Your Perfect Coastal Retreat Awaits! This gorgeous two-bedroom one-bath home offers comfort and style. Arrive and find a wide driveway for ample parking along with a fenced covered area reserved for your vehicle. A storage shed provides space for gardening supplies and landscaping equipment. Stroll up the short knoll to step inside this beautifully updated home. The open-concept living area provides a bright and airy atmosphere while a large window fills the room with natural light. The inviting kitchen is perfect for entertaining with guests seated at the breakfast bar while you prepare meals. The kitchen features quartz countertops an iridescent blue backsplash propane stove stainless steel appliances and beautiful Thomasville cabinetry. Thoughtful storage features include a pull-out Lazy Susan and spacious drawers make the kitchen stylish. Enjoy meals in the dining area or take your morning coffee and dinners outside to the covered patio. Down the hallway the primary bedroom offers a convenient walk-in storage closet. Across the hall is a comfortable guestroom. Centrally located bathroom is a true showpiece featuring polished stone countertop custom lighting and glass-enclosed tub/shower. Outside the property has been landscaped with terraced rock garden and platform offering additional upper-level space. Property is fenced for privacy and peace of mind for pet owners. Unwind beneath the covered deck and enjoy peaceful coastal evenings or create your own backyard oasis.

770 Duck Lake Drive SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$285,000
3 Beds ⋅ 2 Baths ⋅ 2566872 MLS ⋅ ACTIVE Status
Located in the desirable bayside neighborhood of Ocean Shores, directly across from waterfront homes, this brand-new residence offers quality construction in a peaceful coastal setting. Situated on a spacious corner lot in a quiet residential neighborhood, you'll enjoy the tranquility of being away from the bustle of downtown while remaining just minutes from beaches, parks, dining, shopping, and the many year-round events Ocean Shores has to offer. The light-filled open-concept floor plan is thoughtfully designed with defined living spaces, featuring a spacious living room, dedicated dining area, and an expansive kitchen complete with abundant cabinetry, a large island with bar seating, and a stainless steel appliance package. The private Primary Suite offers a walk-in closet and an ensuite bath with dual vanities and a step-in shower with sliding glass doors. Two additional bedrooms and a full guest bath provide comfortable accommodations for guests. Step outside to enjoy sunny afternoons on the back deck or relax with your morning coffee on the welcoming covered front porch. The oversized corner lot provides ample space for guest and RV parking, along with endless possibilities for outdoor living, gardening, or future improvements.

227 Sunrise Avenue SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2565055 MLS ⋅ ACTIVE Status
Another ZAV Developments masterpiece in Ocean Shores! This brand new, ultra modern home showcases cutting edge design and luxury finishes throughout. With an open concept layout and soaring 9' ceilings, the space feels bright, airy, and sophisticated. Enjoy 3 bedrooms and 2 baths, a dramatic floor to ceiling fireplace, and luxury vinyl plank flooring that blends comfort with style. The 3 car garage features two striking black glass doors, adding a bold architectural statement. Set on a street of beautiful homes also built by ZAV, this property delivers the perfect mix of modern elegance and coastal charm; ready for you to move in and make it your own. Pictures are from previous build. Estimated completion is end of August.

430 Salina Cruz Avenue SW, Ocean Shores

Listing courtesy of John L. Scott, Inc..

$279,000
3 Beds ⋅ 2 Baths ⋅ 2562888 MLS ⋅ ACTIVE Status
Presale Opportunity! Be the first to own this beautifully designed home and make it your own. This single level floorplan offers 3 bedrooms - 1.75 bathrooms, an open concept living area, spacious kitchen with large island, a designated dining area and a private primary suite with walk in closet and ensuite bath. Purchase early and personalize your home by selecting interior paint, flooring and cabinet color. Situated on a level lot, just a short walk to Jetty access and minutes to parks, trails, golf course and local amenities. Photos are from a previous model and for illustration purposes only - finishes may vary.

438 S Portal Loop SW, Ocean Shores

Listing courtesy of CENTURY 21 Real Estate Center.

$559,900
3 Beds ⋅ 2 Baths ⋅ 2560315 MLS ⋅ ACTIVE Status
Experience the best of waterfront living in this brand-new Craftsman-style home situated along the canal in Ocean Shores. Designed with a focus on quality, comfort & functionality, this beautifully appointed home showcases upscale finishes & thoughtful attention to detail throughout. The bright, open living area is enhanced by soaring 9’ vaulted ceilings, a striking floor-to-ceiling fireplace feature wall & expansive 8’x12’ double sliding glass doors that open effortlessly to the outdoors. The covered waterfront patio offers a tranquil place to relax while taking in the canal views from your own backyard. The impressive designer kitchen features Quartz countertops, custom cabinetry, SS appliances, a locking beverage cooler, generous pantry & oversized island with plenty of room for entertaining. Wake up to waterside views in the luxurious primary suite, complete with picture windows & a spa-inspired 5-piece ensuite offering dual vanities, step-in shower, jetted soaking tub & spacious walk-in closet. Two additional guest bedrooms & a full guest bath provide plenty of space for visitors. Additional highlights include a dedicated laundry room, whole-house heating & cooling & a fully finished, insulated garage with EV charging wiring already in place. The oversized lot offers room to add a future shop or additional garage, while 6’ cedar privacy fencing & a dock add even more privacy, functionality & enjoyment to this peaceful waterfront property.

645 Itswoot Avenue SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$389,900
2 Beds ⋅ 2 Baths ⋅ 2560069 MLS ⋅ ACTIVE Status
Brand New Home in Ocean Shores! Tucked into a quiet residential neighborhood on the east side of the peninsula and located off a cul-de-sac, this newly constructed home offers the perfect blend of modern comfort and coastal living - ideal as a full-time residence or beach retreat. Designed with quality and energy efficiency in mind, the home features a bright, open Great Room with vaulted ceilings, an electric fireplace, and a ductless mini-split heat pump for year-round heating and cooling. The open-concept floor plan creates an effortless flow between the living, dining, and kitchen areas. The beautifully appointed kitchen features quartz countertops, a spacious island with bar seating, abundant cabinetry, and a stainless steel appliance package. The private Primary Suite offers a spacious walk-in closet, dual vanity sinks, and a step-in shower with a custom glass door. A guest bedroom and full bathroom are located on the opposite side of the home for added privacy and comfort. A dedicated laundry room adds everyday convenience. Additional highlights include an oversized one-car garage with wiring in place for an EV charging plug. Privacy fencing will enhance the comfortable outdoor space for relaxing and entertaining. Estimated completion: August 2026. Photos are of a previously built home with the same floor plan; finishes and details are very similar but not exact.

130 Glover Court NE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$625,000
4 Beds ⋅ 3 Baths ⋅ 2559418 MLS ⋅ ACTIVE Status
Grand Canal Luxury Living, Spacious, Upgraded & Designed for Comfort! Discover exceptional waterfront living in this beautifully appointed 4-bedroom, 2.5 bath home on the Grand Canal, offering a direct, picture-perfect view straight down Otter Alley. Every detail has been crafted for comfort, convenience, and coastal enjoyment. Outside, the property shines with two full RV hookups, an abundant blacktop driveway, and covered porches in both the front and back for year-round enjoyment. The garage is fully insulated and sheet rocked, ready for projects or storage. A backyard shed adds extra space, and the charming shabby chic pontoon dock lets you launch right into canal life. This home blends comfort with coastal adventure, whether you’re relaxing on the porch, enjoying the water, or simply taking in the serene canal views. Whether you are kayaking, fishing or enjoying a ride on your pontoon boat, you have 23 miles of Canalway to explore PLUS two adjoining lakes. With 4 bedrooms, 2.5 bathrooms, and thoughtful upgrades throughout, this Grand Canal gem is ready to impress. Come see it before it’s sold, homes like this don’t stay on the market long.

662 Point Brown Avenue SE, Ocean Shores

Listing courtesy of John L. Scott, Inc..

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