Poulsbo Homes with USDA Loan Terms

Poulsbo Homes with USDA Loan Terms

Welcome to Poulsbo, a charming city located in Kitsap County, Washington, USA. Known as "Little Norway," Poulsbo is a vibrant community with a rich history and a strong sense of Scandinavian heritage.

Nestled amidst the stunning natural beauty of the Pacific Northwest, Poulsbo offers a picturesque setting with breathtaking views of the Olympic Mountains and the waters of Liberty Bay. With its small-town charm and friendly atmosphere, it's no wonder that Poulsbo is a popular destination for both residents and visitors alike.

If you're considering buying a home in Poulsbo, you'll be pleased to know that there are options available with USDA loan terms. The USDA loan program provides eligible homebuyers with affordable financing options, including low-interest rates and flexible credit requirements. This is especially beneficial for those who may not qualify for traditional mortgage loans.

With USDA loan terms, you can find homes in Poulsbo that meet your budget and lifestyle needs. Whether you're looking for a cozy cottage in the heart of downtown or a spacious family home in a quiet suburban neighborhood, there are plenty of options to choose from. Poulsbo offers a range of housing styles, including Craftsman, Victorian, and modern designs, ensuring that you can find a home that suits your personal taste.

In addition to its housing options, Poulsbo offers a variety of amenities and attractions. From its charming downtown area with its boutique shops and restaurants to its numerous parks, trails, and waterfront activities, there's always something to do and explore in Poulsbo.

So, if you're ready to make Poulsbo your home, consider the Homes with USDA Loan Terms. With its scenic beauty, strong community spirit, and affordable housing options, Poulsbo is a wonderful place to live, work, and play.

Newest Poulsbo Homes with USDA Loan Terms

$598,000
3 Beds ⋅ 2 Baths ⋅ 2563494 MLS ⋅ ACTIVE Status
A rare live/work opportunity in Poulsbo. This unique 3-bedroom, 2 full bath dome home sits on a sunny fully usable 1.04 acres. It offers an exceptional detached, fully permitted shop designed for much more than storage. The spacious shop includes two insulated offices plus a large garage/workshop area. This is ideal for a home-based business, contractor, studio, tradesperson, e-commerce operation, hobbyist or anyone needing dedicated workspace just steps from home. The property has previously accommodated two businesses in the past for two previous owners. The shop may also offer the opportunity to convert it into a future ADU, subject to buyer verification with the County's approval. Inside, the home features radiant floor heat on the main floor, newer appliances, a newer roof and several updates. The sellers were quite diligent with keeping their home's maintenance up-to-date. Outside you will find the spacious level yard begging for a garden, recreation and storage plus a separate detached one car garage steps from the house. Conveniently located minutes from Bangor, Silverdale, shopping, schools, recreation and the charming downtown Poulsbo.

15900 Clear Creek Road NW, Poulsbo

Listing courtesy of Paramount Real Estate Group.

$825,000
3 Beds ⋅ 3 Baths ⋅ 2561418 MLS ⋅ ACTIVE Status
2 homes 1 Lot! Welcome home to this spacious 3-bedroom, 2.5-bath home situated on 2.55 private acres plus a 900 sqft 2 bedroom 1 bath DADU! Offering privacy, comfort, and convenience. Inside, you'll find cathedral ceilings, brand-new carpet, a cozy wood stove, and an open-concept layout. The spacious kitchen offers abundant counter space and overlooks both the dining and living rooms, making it perfect for everyday living and entertaining. Primary suite features a large bathroom with a walk-in shower and 2 walk-in closets. A spacious laundry room includes an 80-gallon hot water tank, utility sink, countertop workspace, 1/2 bath, and plenty of additional storage. The detached ADU provides endless possibilities for multigenerational living, guests, or rental income. Outside, enjoy beautifully landscaped grounds with mature maple trees, fruit bushes, roses, and other colorful seasonal plants. Additional features include a front-yard sprinkler system, storge sheds and car port. Conveniently located just minutes from the Kingston and Bainbridge ferries and only 10 minutes to downtown Poulsbo, you'll enjoy easy access to shopping, restaurants, and everything Poulsbo has to offer.

21611 Port Gamble Road NE, Poulsbo

Listing courtesy of Keller Williams Greater 360.

$625,000
3 Beds ⋅ 2 Baths ⋅ 2559459 MLS ⋅ ACTIVE Status
Nestled on a beautifully maintained, sun-filled lot just minutes from the heart of downtown Poulsbo, this inviting rambler blends timeless comfort with thoughtful updates and everyday convenience. Pride of ownership shines throughout with extensive improvements already completed, including a newer roof, energy-efficient windows, updated flooring and paint, expansive deck, fencing, and more, giving you peace of mind from day one. Designed for effortless one-level living, the light-filled floor plan features warm finishes and inviting spaces that feel instantly like home. The spacious kitchen offers abundant cabinetry, generous prep space, and a casual dining area flowing seamlessly into the formal dining room and welcoming living room. A charming brick-faced fireplace with an electric insert adds warmth and character. The private primary suite offers a walk-in closet and ensuite bath, while two additional bedrooms & full bath provide flexibility for guests, hobbies, or a home office. Outside, enjoy an expansive deck, newer storage shed, mature landscaping, fruit trees, garden space, RV parking, and an attached two-car garage with workshop space and extra storage. Ideally located just minutes from Poulsbo's charming waterfront, boutique shopping, restaurants, parks, schools, and ferry access, this move-in-ready home offers the perfect opportunity to embrace the relaxed lifestyle that makes Poulsbo one of the Pacific Northwest's most sought-after communities.

19064 10th Avenue NE, Poulsbo

Listing courtesy of Crafted Real Estate.

$625,000
2 Beds ⋅ 2 Baths ⋅ 2555674 MLS ⋅ ACTIVE Status
This home truly has it all! Like new, this beautifully maintained property offers the perfect blend of comfort, functionality, and peaceful country living just minutes from Poulsbo amenities! Inside, you'll find two spacious bedrooms, an open and inviting living area, a well-appointed kitchen with plenty of workspace and storage, and a gorgeous covered porch that's perfect for morning coffee or relaxing evenings. The private primary suite features a walk-in shower, generous walk-in closet, and its own linen closet for added convenience. A versatile den provides endless possibilities—create a home office, library, yoga studio, craft room, guest space, or whatever suits your lifestyle. Set on 2.4 picturesque acres, the property is filled with mature fruit trees, colorful gardens, open spaces to enjoy, and a cozy firepit for gathering with friends on warm summer evenings. Wander through your own peaceful woodland, expand the gardens, or bring your vision to life on these beautiful grounds. Looking for even more possibilities? The adjacent property is also available and includes a large barn and riding arena. Live in one home and rent the other, continue the current multi-generational setup, or create the ultimate equestrian retreat or horse-loving friends. The opportunities here are as expansive as the property itself! Check out MLS #2555675

20877 Stottlemeyer Road NE, Poulsbo

Listing courtesy of Windermere RE West Sound Inc..

$795,000
3 Beds ⋅ 3 Baths ⋅ 2555675 MLS ⋅ CONTINGENT Status
This is the one you've been waiting for! First time to market. This beautifully maintained single-level home offers 3 bedrooms, 2.5 baths, a stunning remodeled kitchen featuring custom cypress cabinetry, a spacious utility room, and a combination of engineered hardwood, luxury vinyl plank, and tile flooring throughout—no carpet, making it ideal for pets and easy maintenance. The private primary suite is a true retreat with a luxurious bath featuring heated floors, a generous walk-in closet, and a versatile bonus room perfect for a home office, craft room, sewing studio, or expanded closet space. Step outside and discover what truly sets this property apart. Relax or entertain on the expansive deck overlooking 2.4 acres of beautiful pasture and forest. The charming chicken coop has been home to happy hens for years, while horse lovers will appreciate the exceptional barn with four 15x15 stalls, an oversized heated tack room, and an incredible covered riding arena unlike anything else on the market. Generations have learned to ride and trained for barrel racing here. Not interested in horses? This impressive building is already wired with 220V power and would make an amazing workshop or hobby space. Need even more room? The adjoining property, also family-owned for years, is available for purchase—see MLS #2555674. Come experience this rare legacy property where the possibilities are as expansive as the land itself.

20851 Stottlemeyer Road NE, Poulsbo

Listing courtesy of Windermere RE West Sound Inc..

$529,888
3 Beds ⋅ 2 Baths ⋅ 2549341 MLS ⋅ ACTIVE Status
Welcome to this exceptional 2023-built home at the end of a private road set on 2.14 private, wooded acres. Offering the perfect blend of modern comfort and peaceful seclusion. This 1,550-square-foot home features an open-concept design where the spacious living room flows seamlessly into the beautifully appointed kitchen, creating an ideal space for entertaining and everyday living. Fresh interior paint and like-new carpet make this home truly move-in ready. The thoughtfully designed floor plan offers three bedrooms, including a spacious primary suite with a luxurious five-piece bath and a large walk-in closet, plus a second living area perfect for a family room, home office, or flex space. Outside, enjoy the privacy and versatility of the expansive property with a 400-square-foot detached garage/shop, additional multi-purpose outbuildings, and plenty of room for hobbies, equipment, or storage. All appliances are included. Conveniently located with easy access to the Bainbridge Island Ferry, Bangor, Poulsbo Marina, shopping, dining, and more, this property offers the best of country living with modern convenience.

18142 NE Diamond Drive, Poulsbo

Listing courtesy of Windermere RE West Sound Inc..

$519,000
3 Beds ⋅ 3 Baths ⋅ 2550810 MLS ⋅ ACTIVE Status
Location, Location, Location! Just minutes from the heart of Poulsbo, this charming 1,370 sq ft two-story home sits on a spacious, sunny lot with a fully fenced backyard and an attached 2-car garage. The covered front entry welcomes you inside, where an open floor plan creates an easy, comfortable flow. The upgraded kitchen features modern finishes, a walk-in pantry, and a dedicated dining space that opens seamlessly into the large living room and a sliding glass door that steps right out onto the expansive entertainment deck — perfect for gatherings, BBQs, or simply enjoying the peaceful outdoor setting. Upstairs you’ll find three bedrooms, including a primary suite with its own private bathroom. Solar panels provide efficient power bills and a ductless mini-split heat pump provides efficient heating and cooling year-round. This sought after location offers quick access to Highway 305 and nearby ferries to Seattle, making commuting and weekend adventures a breeze. 5k seller credit to buyer.

1658 NE Cascara Court, Poulsbo

Listing courtesy of Master Management.

$587,000
3 Beds ⋅ 2 Baths ⋅ 2546140 MLS ⋅ ACTIVE Status
PRICE IMPROVEMENT+ $8,000 BUYER CREDIT! Rare opportunity to own a one-level home in Poulsbo's highly sought-after Forest Rock Hills neighborhood! This inviting 3-bedroom, 2-bath rambler features vaulted ceilings, an open floor plan, a cozy gas fireplace, and abundant natural light. The spacious kitchen offers an island, ample cabinetry, and an eat-in dining area that opens to a fully fenced backyard and patio—perfect for entertaining or relaxing. Mature palm and banana trees create a backyard unlike any other in the neighborhood. The primary suite includes a walk-in closet and private bath, while two additional bedrooms provide flexible space for guests, hobbies, or a home office. Additional highlights include a brand-new water heater and a two-car garage. Enjoy being just minutes from downtown Poulsbo, parks, schools, shopping, restaurants, ferries, Highway 3, and Naval Base Kitsap. Whether you're downsizing, looking for easier one-level living, or simply hoping to enjoy one of Poulsbo's most established neighborhoods, this is a home you'll want to experience in person

20106 Bue Rund Loop NE, Poulsbo

Listing courtesy of Keller Williams West Sound.

$635,000
4 Beds ⋅ 3 Baths ⋅ 2544369 MLS ⋅ ACTIVE Status
What a DEAL!!! NEW PRICE with ADDED BONUS of $12,500 Seller Credits towards Buyer's Preference (Closing Costs/Paint/Carpet.) Ideally located in the desirable Brownsville neighborhood within the Central Kitsap School District, this spacious 4-bedroom home is tucked away in a peaceful cul-de-sac setting. The thoughtfully designed floor plan offers a functional layout with granite countertops, hardwood flooring in the entry, kitchen, and great room, formal living and dining rooms conveniently located off the kitchen, and tasteful finishes that create a welcoming atmosphere throughout. All bedrooms are upstairs and the laundry room which is off the great room flows to the garage. The private primary suite serves as a relaxing retreat with a 5-piece bath and has ample storage space. The kitchen opens to a generous great room featuring a cozy fireplace and direct access to the back deck, creating an ideal setting for indoor-outdoor living and entertaining. Enjoy the fully fenced backyard with lawn area for gardening, plus convenient gated access to a neighborhood trail that leads right to the Marina Store. Additional highlights include an oversized garage with extra storage space, RV parking, and an updated furnace and AC in 2021 for year-round comfort. Conveniently located near the Brownsville Marina, schools, parks, shopping, and commuter routes. This move-in ready home offers the perfect combination of space, comfort, and functionality in a sought-after neighborhood setting.

2052 NE Marina Vista Court, Poulsbo

Listing courtesy of Fathom Realty WA LLC.

$500,000
3 Beds ⋅ 3 Baths ⋅ 2525016 MLS ⋅ ACTIVE Status
Welcome to this well maintained home in Edgewater Estates! The permitted garage conversion delivers two finished rooms with closets; flex space ready for home offices, guest accommodations, storage, or whatever your lifestyle calls for. This home has been refreshed with newer laminate wood floors, fresh interior paint, updated lighting, and a new washer/dryer to make everyday comfort effortless. You'll appreciate the main floor mini split during the upcoming warm summer months! Step onto the refinished deck and enjoy a large lot with room to garden, gather, or simply unwind. New fencing and a newer roof mean the updates are done, ready for you to move in and enjoy it all. Edgewater Estates offers private beach access and a community park with basketball and tennis courts. This is an active neighborhood built for living well. Great location for ease of commute to the Kingston and Bremerton Ferry Terminals. NUWC Division Keyport is 10 minutes away, while Naval Base Kitsap - Bangor is less than 20 minutes away.

2233 NW Clinton Avenue, Poulsbo

Listing courtesy of KW Mountains to Sound Realty.

$674,000
5 Beds ⋅ 3 Baths ⋅ 2528171 MLS ⋅ ACTIVE Status
BACK ON MARKET through no fault of the Seller or Inspection. Spacious and versatile living awaits in this beautifully designed 3,198 sq ft home in the heart of Poulsbo! Featuring 5 bedrooms, including a luxurious Primary Suite and Jr. Primary, this home is ideal for multi-generational living, guests, or flexible living arrangements. The thoughtful floor plan includes a main-floor bedroom, a dedicated office, a formal dining room, and an expansive kitchen with abundant counter space, perfect for cooking, gathering, and entertaining. Enjoy seamless indoor-outdoor living with a patio built for hosting summer BBQs and relaxing evenings. Fully fenced yard with low-maintenance. Upstairs offers a convenient laundry room and generous storage throughout the home. Located just minutes from local shopping, dining, schools, and everyday amenities, with easy access to the highway for commuting. Enjoy nearby walking paths, community parks, and all the charm the Poulsbo area has to offer. Comfort, space, and convenience come together in this exceptional home!

21122 Nordby Drive NW, Poulsbo

Listing courtesy of Better Properties N. Proctor.

$462,500
3 Beds ⋅ 2 Baths ⋅ 2525638 MLS ⋅ ACTIVE Status
Upgraded price!! Fresh Style, Sunny Spaces & North Kitsap Charm! Step into a home that's as welcoming as it is beautiful! Filled with natural light, you'll find it architecturally pleasing & thoughtfully designed for easy one-level living. This move-in ready gem combines modern style with everyday comfort. Located in the highly sought-after North Kitsap School District and just minutes from charming downtown Poulsbo, waterfront parks, shopping, dining, and more. The bright and cheerful kitchen features an inviting breakfast bar, abundant cabinetry, and generous counter space perfect for morning coffee, holiday baking, or gathering with friends. The spacious open-concept great room creates a warm, inviting atmosphere with plenty of room to relax, entertain, and make memories. Escape to the spacious primary suite with its walk-in closet and private bath, while two additional bedrooms, a full bath, and convenient laundry room provide flexibility for guests, hobbies, or working from home. Situated on a large corner lot, you'll love the fully fenced backyard with room to garden, play, entertain, or simply unwind. There's space for pets, summer barbecues, and all the things that make a house truly feel like home. Stylish, bright, and well-priced, this North Kitsap beauty offers the perfect blend of comfort, convenience, and small-town charm. Just minutes to the Hood Canal Bridge & clamming! Assumable VA loan at 4.25%. Don't miss your opportunity to make this special home your own!

29377 Scenic Drive NE, Poulsbo

Listing courtesy of Coldwell Banker Bain.

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