Island County Homes with Assumable Terms

Island County Homes with Assumable Terms

Welcome to Island County, located in the beautiful state of Washington, USA. Known for its stunning natural landscapes and vibrant communities, Island County offers a unique and desirable living experience.

With its picturesque surroundings, including the stunning Puget Sound and breathtaking mountain ranges, Island County is a haven for outdoor enthusiasts. Whether you enjoy hiking, kayaking, or simply taking in the serene beauty of nature, this county has it all.

Island County is also home to charming towns and cities, each with its own distinct character. From the historic town of Coupeville, with its quaint shops and Victorian-era homes, to the bustling city of Oak Harbor, where you can find a variety of amenities and entertainment options, there is something for everyone here.

One of the notable features of the real estate market in Island County is the availability of homes with assumable terms. This means that buyers have the option to take over the existing mortgage of the seller, which can be a great advantage in today's competitive market. Assumable terms allow for a smoother and potentially more affordable home buying process, as buyers can avoid the need for a new mortgage and potentially benefit from lower interest rates.

Whether you're looking for a waterfront property with stunning views or a cozy home nestled in the woods, Island County has a wide range of real estate options to suit every taste and budget. With its natural beauty, welcoming communities, and the convenience of assumable terms, Island County is a fantastic place to call home.

Newest Island County Homes with Assumable Terms

983 NE O'Leary Street, Oak Harbor
$575,000
4 Beds ⋅ 3 Baths ⋅ 2532041 MLS ⋅ ACTIVE Status
Welcome to this well maintained, 4 bedroom, 2.25 bath home offering 2,112 sq ft of comfort on a double corner lot w/ 2 car garage & RV pad. If you need space & parking, this property delivers. Step inside to a freshly repainted interior filled w/ natural light, highlighted by a bright kitchen w/ farmhouse sink & a window. The main level living area features a decorative fireplace & brand new LVP & carpet. The oversized primary bedroom is a private retreat, alongside a completely redone ensuite primary bath & a half bath. Downstairs, the family room is built for entertaining, complete w/ a working fireplace, a bar w/ sink, & hidden storage. Substantial upgrades offer true peace of mind, including a total update of the windows, blinds, flooring, enlarged deck w/ stairs, & new appliances include refrigerator, microwave, stove, & Bosch dishwasher. New carpet, LVP, french door w/blinds, & back door, updated cabinets, lighting, water heater (2026), & a 50 year roof (2022). The outdoor spaces are impressive for gatherings or relaxation. Enjoy views of the Olympic mountains from the upstairs deck, or unwind on the downstairs patio beside the cozy fire pit w/ shades & patio lights. The fully fenced double corner lot, large yard provides tons of room, while the double gates at the front & side open to boat or RV parking. Comfort, convenience, & incredible value await you at this beautiful home. VA eligible buyers, w/ an assumable loan at 2.25% it could be a great opportunity!

983 NE O'Leary Street, Oak Harbor

Listing Broker: RE/MAX Gateway; Cristie Arnold; 325-232-3333; Cristie@PNWIslandHomes.com

1320 Juniper Beach Road, Camano Island
$975,000
2 Beds ⋅ 2 Baths ⋅ 2570914 MLS ⋅ ACTIVE Status
Welcome to Juniper Beach, where gleaming sunsets and relaxing mornings fill everyday life in this meticulously maintained single-owner home. The spacious entryway offers thoughtful storage and an oversized laundry room, and leads into the living room with soaring ceilings and windows framing picturesque views of Port Susan. The expansive kitchen and sun-filled dining room are thoughtfully designed with ample storage, granite countertops, and casual seating at the center island. The peaceful primary suite boasts a large walk-in closet and private ensuite featuring birch cabinetry and a walk-in shower, while a secondary bedroom and nearby hall bath provide space for guests. The sunny back deck offers beautiful views and plenty of room for outdoor dining, entertaining, and relaxing. The fully fenced yard includes a separately fenced garden filled with raised beds, blooming flowers, and space to grow fruits and vegetables. A large three-bay fully finished shop features a ¾ bath, a 200-amp electrical panel, and RV parking with a 220V outlet. Downstairs, the huge partially finished basement provides flexible space for a home gym, craft room, or future living space. This home is ideally located 10 minutes from daily conveniences in both Stanwood and Camano Island, with easy access to SR 532, beaches, and boat launches.

1320 Juniper Beach Road, Camano Island

Listing Broker: Lamb Real Estate; Miles Lamb; 425-740-4344; miles@lambandcompany.com

1060 Sidney Street, Oak Harbor
$419,000
2 Beds ⋅ 2 Baths ⋅ 2563103 MLS ⋅ ACTIVE Status
Opportunity awaits in the desirable Rolling Hills community! This 2-bedroom, 2-bath home with a versatile bonus room sits on nearly half an acre and features a functional floor plan, a spacious fenced backyard, and endless potential to make it your own. This Home offers an excellent opportunity to build equity in a fantastic location. A standout feature is the existing FHA loan with a highly attractive 2.875% interest rate, which may be assumable by a qualified buyer—an exceptional opportunity in today’s market. Enjoy community amenities including a pool, clubhouse, private beach access, and boat launch, all conveniently located just minutes from NAS Whidbey, Oak Harbor, and Coupeville. Bring your vision and discover everything this property has to offer! FHA loan assumption is subject to lender approval, buyer qualification, and applicable terms and conditions.

1060 Sidney Street, Oak Harbor

Listing Broker: Keller Williams Western Realty; Brandon Gallmeyer; 360-720-4669; Brandonsellshomes@kw.com

2891 Viewmont Place, Camano Island
$799,000
3 Beds ⋅ 3 Baths ⋅ 2550133 MLS ⋅ ACTIVE Status
BREATHTAKING SUNRISE VIEWS over Puget Sound, with Mount Baker and Mount Rainer creating a spectacular backdrop, welcome you to this spacious Camano Island home. Now offered at $799,000, this 3,541sqft property delivers an exceptional combination of space, views and beach access. The light filled main level is designed to showcase the scenery, with expansive windows and sliders opening to a large deck where you can enjoy morning coffee, al fresco dining and beautiful evenings overlooking the water and mountains. The spacious kitchen flows naturally into the living and dining areas, creating an inviting setting for everyday living and entertaining. The primary suite also enjoys the views and direct deck access. The daylight lower level adds flexibility, featuring a second fireplace, full bath, separate entry and abundant storage. Create comfortable guest space, home office, media or recreation room, multigenerational living area, or whatever best fits your lifestyle. Outside enjoy a fully fenced backyard, garden space, while beach access just below. The spacious front area currently provides ample parking/driveway space, with potential for a buyer to create additional lawn or landscaping if desired. Embrace the Camano Island lifestyle with opportunities for boating, kayaking, crabbing, fishing and hiking, all surrounded by the tranquility and natural beauty that make island living so special - all for under $800,000!

2891 Viewmont Place, Camano Island

Listing Broker: CB Cascade RE - Lake Chelan; Staci Pettit; 425-750-3306; stacikpettit@gmail.com

557 Fort Ebey Road, Coupeville
$899,000
3 Beds ⋅ 4 Baths ⋅ 2552572 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. The garage is wired with both 110V and 220V outlets and has lighting, power, and a French cleat wall system already in place for a workshop, with the 220V service ideal for equipment such as welders, high-capacity air compressors, and other high-power shop tools. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing Broker: Better Homes&Gardens McKenzie; Jim Woessner; 360-929-2302; jim@mckenziebhg.com

557 Fort Ebey Road, Coupeville
$899,000
3 Beds ⋅ 4 Baths ⋅ 2549018 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing Broker: Better Homes&Gardens McKenzie; Jim Woessner; 360-929-2302; jim@mckenziebhg.com

1379 NE Big Berry Loop, Oak Harbor
$512,000
3 Beds ⋅ 2 Baths ⋅ 2540166 MLS ⋅ ACTIVE Status
This quality, one-level home features the perfect combination of comfort, convenience and quick access to shopping, NASWI, transit, and almost anything you may want in the city. The great room style living space offers great layout flexibility in the dining and living areas. Primary bedroom and bath are separate from the two secondary bedrooms. A full bath and half bath serve the main living space. Utility room leads to spacious 2-car garage. Siding is durable Hardi-Board. Fully fenced back yard provides a great space for gatherings and other uses. Assumption of low-rate mortgage is possible for qualified buyer.

1379 NE Big Berry Loop, Oak Harbor

Listing Broker: Century 21 North Homes Realty; Eric Mendenhall; 360-929-5289; EricM@c21nhr.com

2259 Happy Valley Road, Oak Harbor
$1,130,000
3 Beds ⋅ 3 Baths ⋅ 2516844 MLS ⋅ ACTIVE Status
Discover the ultimate blend of rustic charm and modern luxury on this 3.5-acre estate, a private sanctuary designed for both grand entertaining & serene daily living. The heart of the home features a grand entrance anchored by a stunning brick fireplace, leading into a living room with vaulted ceilings & massive picture windows that bathe the space in natural light. The kitchen has been beautifully refreshed with fresh paint, timeless brick flooring, & a center island cooktop, perfectly complemented by a new custom built-in in the dining room & custom curtains that stay with the home. Retreat to the main-floor primary suite, which boasts a completely redone master bathroom, & outside access. Throughout the home, you will find thoughtful upgrades like live-edge wood countertops in the bathrooms & custom shelving in every closet. The lower level expands your living options with a spacious rec room, two additional bedrooms, a dedicated office, & an oversized laundry room. Outside, the grounds rival a private resort, featuring a pickleball court, a tranquil pond, & a new pergola & fire pit area for evening gatherings. The landscaping is highlighted by a classic stone wall & partitioned pastures. This turnkey property offers total peace of mind with a new septic system installed in 2025, a French drain, & a secure electric gate entrance. With multiple outbuildings and expansive acreage, this estate perfectly combines high-end functionality with a peaceful, country lifestyle.

2259 Happy Valley Road, Oak Harbor

Listing Broker: RE/MAX Gateway; Cristie Arnold; 325-232-3333; Cristie@PNWIslandHomes.com

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