Island Homes with USDA Loan Terms

Island Homes with USDA Loan Terms

Island County, located in the state of Washington, is a beautiful area that offers a unique blend of natural beauty and modern amenities. Situated in the Pacific Northwest region of the United States, Island County is known for its stunning landscapes, including picturesque coastlines, lush forests, and breathtaking mountain views.

One of the key highlights of Island County is its diverse real estate market, which includes homes with USDA loan terms. The USDA loan program is designed to promote homeownership in rural areas and offers attractive terms for eligible buyers. These loans provide low-interest rates and flexible financing options, making it easier for individuals and families to purchase their dream homes.

With the availability of USDA loan terms, homebuyers in Island County can take advantage of affordable financing options to secure their ideal properties. Whether you're looking for a cozy cottage nestled in the woods or a waterfront retreat with panoramic views, Island County has a wide range of options to suit various budgets and preferences.

In addition to its real estate offerings, Island County boasts a vibrant community with excellent schools, recreational activities, and a thriving local economy. Residents enjoy a high quality of life, with access to outdoor adventures, cultural attractions, and a strong sense of community.

If you're considering purchasing a home in Island County, exploring the options available with USDA loan terms can be a smart choice. With its natural beauty, welcoming community, and affordable financing options, Island County offers an ideal setting for homeownership.

Newest Island Homes with USDA Loan Terms

$4,500,000
4 Beds ⋅ 2 Baths ⋅ 2568383 MLS ⋅ ACTIVE Status
Incredible opportunity to own 128 acres on 5 parcels that offer many features for cattle/livestock operation with no conservation easement. Currently operating to raise heifers, but was a former dairy farm. Water rights offer 90 acres of irrigation. 9 loafing sheds of various sizes ranging from 3,000 sq. ft. to 5,600 sq. ft. along with 3 barns between 3,968 to 10,928. Topography allows for significant privacy. Water views of Penn Cove to the south. Significant storage space. Massive shop with office, break room, mezzanine with shelving for equipment and parts. Main home offers 3,742 sq. ft. with 4 bedrooms and 2 bathrooms. Located between downtown Oak Harbor and Coupeville. Delaurentis Airport nearby for regional flights and hangers for private pilots. Ideal for those looking to operate a successful farm near all desirable amenities. Come view this property before its gone.

1240 Arnold Road, Oak Harbor

Listing courtesy of American Dream R. E. Services.

$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. Open house this weekend.

2209 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Real Estate/East.

$893,000
2 Beds ⋅ 2 Baths ⋅ 2567459 MLS ⋅ ACTIVE Status
Experience the quintessential Whidbey Island lifestyle in this charming 1968 main level living home on Fox Spit Road. Situated on two expansive lots, this property perfectly blends comfort and tranquility under a canopy of magnificent evergreens. Inside, the recently remodeled interior welcomes you with vaulted ceilings, bright skylights, and sweeping views of the Saratoga Passage and Mt. Baker from every main room. The thoughtful floor plan features a convenient main-floor primary bedroom, while the finished daylight basement offers an ideal flexible setup for a separate living space, guest quarters, or an entertainment hub. Step outside onto the expansive wrap-around deck to watch whales, eagles, and hawks, or enjoy the beautiful garden and ample guest parking. Complete with access to a community beach and boat launch, this home keeps you connected to nature while remaining just minutes from downtown Langley's excellent restaurants, local theater, and vibrant seasonal festivals.

3155 Fox Spit Road, Langley

Listing courtesy of Real Estate by You, LLC.

$1,485,000
4 Beds ⋅ 3 Baths ⋅ 2563731 MLS ⋅ ACTIVE Status
Picturesque Whidbey Island living on nearly seven fully fenced acres with peaceful ponds, pasture, garden space, and beautiful views of Puget Sound and the Olympic Mountains. The gracious three-bedroom home features vaulted ceilings, a river rock fireplace, a light-filled solarium family room, and a spacious deck for enjoying the peaceful setting and spectacular west-facing sunsets. A detached two-car garage and shop features a private one-bedroom ADU above, offering wonderful flexibility for guests, extended living, or income potential. With a fire pit, RV hookup, chicken coop, fruit trees, private well, abundant sunshine, and plenty of room for animals and outdoor living, this one-of-a-kind property offers exceptional privacy and space in a convenient central South Whidbey location near Bayview Corner and Highway 525. This is home!

5537 Bayview Road, Langley

Listing courtesy of Windermere RE/South Whidbey.

$505,000
3 Beds ⋅ 2 Baths ⋅ 2567022 MLS ⋅ ACTIVE Status
Step inside and you'll immediately notice the vaulted ceilings, bringing an open, airy feel to this comfortable Oak Harbor rambler. With 3 bedrooms, 2 baths, and approximately 1,654 square feet, there's plenty of room to spread out while still enjoying the ease of one level living. The living room and dining area come together naturally, giving you a comfortable space to gather, relax, and enjoy time at home. The kitchen offers plenty of cabinet space, a walk-in pantry, and a seating area that looks out toward the backyard. The primary bedroom features its own en suite bathroom and walk-in closet, while two additional bedrooms and a full bath give you room to make the space your own, whether you need a guest room or office. Outside, the covered patio gives you a comfortable spot to enjoy the backyard in just about any weather. The fully fenced yard has room for a garden, summer barbecues, pets, or simply a little space to relax and unwind. Tucked into one of Oak Harbor's charming neighborhoods, you're close to NAS Whidbey, schools, parks, shopping, restaurants, and the everyday places that make life convenient. With a comfortable layout and one level living, this home makes it an easy place to settle into and make your own.

229 NW Cherry Hill Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$585,000
3 Beds ⋅ 3 Baths ⋅ 2567050 MLS ⋅ ACTIVE Status
Set on over half an acre, this spacious +/- 2,776 sq ft home offers room to spread out both inside and out. The main level features a kitchen and dining area that flow into the living room, while a separate family room with a propane stove provides a cozy place to relax. Step onto the deck and take in peaceful water and mountain views. The primary bedroom features its own 3/4 ensuite bath, with a separate full bath conveniently located on the main floor. The lower level offers two additional bedrooms, a 3/4 bath, and a large rec room with plenty of space to relax, gather, or enjoy your favorite hobbies. Outside, the generous lot gives you room to garden, entertain, or simply enjoy the space and privacy. A detached two car garage provides additional storage and parking, with plenty of extra parking available on the driveway. A brand new roof and redesigned septic system add valuable peace of mind, while you can focus on making the most of the home's generous spaces, expansive lot, and beautiful partial water and mountain views.

581 Olympic View Drive, Coupeville

Listing courtesy of Windermere Whidbey Island.

$799,950
4 Beds ⋅ 4 Baths ⋅ 2564990 MLS ⋅ ACTIVE Status
Panoramic eastern views of Port Susan, Mount Baker, and the North Cascades, along with private beach and clubhouse access through the Camano Country Club, make this beautifully updated Camano Island home a rare opportunity. Expansive windows and a spacious view deck bring the breathtaking scenery into the heart of the home, creating the perfect setting for morning coffee, entertaining, or simply enjoying the ever-changing Northwest landscape. The 3,344-square-foot home offers 4 bedrooms, including two primary suites, 3.25 bathrooms, and a dedicated office, providing exceptional flexibility for multigenerational living, guests, or working from home. A private entrance to the fully finished daylight lower level offers additional options for extended living or potential rental use, subject to buyer verification. Three fireplaces, including one on each level, and a hot tub overlooking the views provide year-round comfort and relaxation. Outside, the generous yard offers room for gardening, entertaining, and enjoying island life. An attached garage, detached garage, RV parking, and abundant storage provide space for vehicles, boats, and outdoor gear. Enjoy the lifestyle that comes with Camano Country Club, where private beach and clubhouse access put kayaking, paddle boarding, beach combing, and waterfront sunsets just moments from your doorstep.

1462 SE Camano Drive, Camano Island

Listing courtesy of Pellego, Inc..

$1,850,000
4 Beds ⋅ 4 Baths ⋅ 2564920 MLS ⋅ ACTIVE Status
Welcome to your own private sanctuary on coveted Sills Rd. This unique property is truly one of a kind totaling 10 acres in 2 separate parcels, allowing for expansion or resale. The brand new home boasts 3552 sf of total living space featuring 2 private ensuites, including main floor, 2 rooms, & a 800 sf bonus room w/private 1/2 bath and separate entrance allowing space for play room or rental income. Take a walk down to the newly renovated 3800st single story pet retreat. With a history of steady & lucrative income, owners can find themselves w/ an immediate revenue stream, in this turnkey business. This is the only permitted commercial kennel on the south end of Whidbey Island. Not interested in running a kennel? Turn this building into another ADU for tenants. If that wasn't enough, the property features a 1464 sf shop for tools or hobbies. featuring an upstairs & downstairs area, the sku is the limit for more space w/additional income if desired. Store all your recreational toys in the 1900 sf pole barn which includes five 10x12 permitted storage units that can be rented out or kept for personal use. This alone is truly unique as there will be no more storage units permitted to be built on the south end. This property is a dream come true as it can produce revenue. Beautifully maintained, it is a once in a lifetime opportunity. Additional opportunities exist with use permits, including a nursery or retail sales. Have to see to believe.

6621 Sills Road, Clinton

Listing courtesy of Windermere RE/South Whidbey.

$615,000
3 Beds ⋅ 1 Baths ⋅ 2554442 MLS ⋅ ACTIVE Status
Welcome to 835 Livingston Bay Shore Road - a charming 3-bedroom, 1-bathroom rambler perfectly situated on the North-end of Camano Island. Experience the ultimate Pacific Northwest lifestyle with the rare convenience of drive-on accessibility to the "no-ferry island." Beach rights grant you direct access to the exceptionally warm summer waters of Livingston Bay, creating an idyllic backdrop for swimming, paddleboarding, and sun-soaked beach days. Inside, the home features a functional, light-filled layout detailed with classic hardwood floors, expansive bright windows and a cozy fireplace. It offers the perfect amount of space to serve as a peaceful weekend getaway or a low-maintenance full-time residence. Adding to its incredible value, this property also boasts a proven track record as a successful Short-Term Rental (STR). Situated on a generous lot, the exterior showcases mature, low-maintenance landscaping designed for pure relaxation. While you will feel miles away from the hustle and bustle, you are only minutes from local amenities, shopping, and dining. Discover the magic of Livingston Bay and claim your own slice of island paradise. Welcome home.

835 Livingston Bay Shore Drive, Camano Island

Listing courtesy of North48 Real Estate.

$440,000
2 Beds ⋅ 2 Baths ⋅ 2564449 MLS ⋅ ACTIVE Status
Enjoy expansive island living on over half an acre of land in this beautifully updated Coupeville manufactured home. With 2 bedrooms, a bonus room and 2 bathrooms, it offers 1,732 square feet of tastefully renovated living space. The efficient layout features a beautifully updated kitchen with tile floors, black stainless steel appliances and a large single sink. The primary suite serves as a tranquil escape with an upgraded five-piece bath and soaking tub. A flexible bonus room provides a perfect spot for a home office. Nestled in the Crockett Lake neighborhood, this property blends a private retreat with space for your favorite hobbies. The level, sunny, and fully fenced 0.56-acre lot offers ample room for gardening, playing, pets, or projects, complete with a storage shed and a covered parking space. The home sits under 10 minutes from Coupeville, Driftwood Park, Rhododendron Park, Fort Casey, and the ferry landing, and 26 minutes from Oak Harbor and NASWI. The low interest VA loan is assumable. Make this gem of a property the start of your Whidbey Island adventure!

803 Hazzle Court, Coupeville

Listing courtesy of Coldwell Banker 360 Team.

$515,000
3 Beds ⋅ 2 Baths ⋅ 2563464 MLS ⋅ ACTIVE Status
Assumption Opportunity! VA loan at 2.25%. Nestled among the trees on a generous .39 acre lot, this turnkey single level, three bedroom two bathroom home offers the perfect blend of privacy, modern comfort, and unbeatable convenience, complete with a valuable assumable VA loan opportunity for qualified buyers. Centrally located between Oak Harbor and Anacortes and just minutes from the NAS Whidbey Island back gate, hiking trails, parks, and beaches, this fully updated move in ready property features sleek quartz countertops, a new kitchen sink and faucet, updated light fixtures, modern LED can lights, new trim, all new outlets and light switches, updated flooring, new carpet in all bedrooms, new window blinds, and beautiful real hardwood floors throughout the main living areas. Vaulted ceilings with skylights brighten the interior, while a full repaint and remodeled master bath featuring a new shower, toilet, faucet, and lighting complement the updated secondary bath. Major mechanical upgrades provide complete peace of mind, including a roof installed in 2020, a new water heater added in July 2024, new thermostats, replaced garage door springs, an included water softener, a whole house water filtration system, and wiring for a generator. Outside, you will find a freshly painted front porch and deck overlooking the backyard with plenty of space for a garden, along with a new custom mailbox to welcome you home.

4528 N Alamo Way, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$529,000
3 Beds ⋅ 2 Baths ⋅ 2561931 MLS ⋅ ACTIVE Status
Welcome Home to Redwing! This beautifully maintained contemporary home is truly move-in ready! Soaring vaulted ceilings in the foyer & living room create a bright, open, and inviting atmosphere from the moment you step inside. Enjoy year-round comfort & energy efficiency w/ natural gas forced-air heating, a cozy gas fireplace, gas water heater, & gas range. The spacious kitchen is designed for both everyday living & entertaining, featuring a center island, granite countertops, rich oak cabinetry, a pantry, and newer appliances. The private primary suite offers a relaxing retreat w/ dual vanities in the ensuite bath. An oversized laundry room includes a deep utility sink and abundant wall-to-wall cabinetry, providing exceptional storage and convenience. Step outside to the fully fenced backyard—perfect for entertaining, gardening, or creating your own outdoor oasis. There's plenty of room for pets to play, space to add a gazebo, or simply relax with your morning coffee or evening tea. A storage shed adds even more functionality. Ideally located just minutes from NAS Whidbey, this home is within walking distance to Hillcrest Elementary& Oak Harbor High School. You'll also enjoy being just minutes from the beach, where you can take in Whidbey Island's spectacular sunsets. Best of all, all appliances stay, making this truly a turnkey home ready for its next owner. Don't miss this opportunity—schedule your showing today and make this beautiful Redwing home your new address!

1382 NW Kathleen Drive, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

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