Island Homes with VA Loan Terms

Island Homes with VA Loan Terms

Welcome to Island County, located in the beautiful state of Washington, USA. This charming county is known for its stunning natural landscapes, vibrant communities, and a thriving real estate market. If you're a veteran or currently serving in the military, you'll be pleased to know that there are plenty of homes available with VA loan terms in Island County.

With VA loan terms, you can enjoy numerous benefits, such as no down payment requirement, competitive interest rates, and no private mortgage insurance. This makes it easier for veterans and active-duty service members to fulfill their dream of homeownership in Island County.

Island County offers a wide range of housing options to suit various preferences and budgets. Whether you're looking for a cozy cottage near the water, a spacious family home with a backyard, or a modern condominium in a bustling neighborhood, you'll find it all here. The county's real estate market is diverse, with properties that cater to different lifestyles and needs.

Aside from the fantastic housing options, Island County boasts a high quality of life. The county is home to stunning beaches, picturesque parks, and breathtaking hiking trails. You can indulge in outdoor activities like fishing, boating, and kayaking, or simply relax and soak in the natural beauty that surrounds you.

If you're considering purchasing a home with VA loan terms in Island County, now is a great time to explore the available options. Take advantage of the benefits offered by VA loans and make your dream of owning a home a reality in this remarkable county.

Newest Island Homes with VA Loan Terms

$999,000
3 Beds ⋅ 2 Baths ⋅ 2567044 MLS ⋅ ACTIVE Status
Just what acreage buyers are looking for! Over 14 level acres of combination pasture, forest, trails, and some wetlands - all on 3 separate tax parcels. The private well is very productive and could serve all parcels. The main home is 1500 sqft and is very charming. It was architects own one level home and is tastefully done with newer finishes and very inviting. The permitted detached 730 sqft accessory dwelling unit is also exceptional, warm and cozy. This is a hobbyists dream property. The barn/shop area is perfect for animals, crafts or whatever you can imagine. Why wait, call your agent now - this is a great opportunity!

19424 SR 525, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$459,000
3 Beds ⋅ 2 Baths ⋅ 2568249 MLS ⋅ ACTIVE Status
Welcome home to this single-level 3-bedroom, 2-bathroom rambler perfectly situated on a generous, sprawling lot. Offering the ultimate blend of comfort and utility, the main residence features an easy-flowing floor plan designed for effortless everyday living. Step outside to find your private, detached studio shed—fully equipped with power and heat—ideal for a home office, or creative art studio. The property also features a convenient attached carport and ample space for gardening, entertaining, or outdoor recreation. Enjoy access to the community amenities of Sunlight Shores, all while being just minutes away from the Clinton ferry terminal for an easy commute. Make this Whidbey Island gem your own!

6255 Bayview Road, Clinton

Listing courtesy of Windermere RE/South Whidbey.

$565,000
4 Beds ⋅ 3 Baths ⋅ 2570678 MLS ⋅ ACTIVE Status
Welcome home to this spacious tri-level nestled on a quiet cul-de-sac! Beautiful hardwood floors flow through the entry, living, and dining areas, creating a warm and inviting atmosphere. Upstairs, you'll find two generously sized bedrooms, a full bathroom, and a spacious primary suite. The lower level offers an expansive rec room, a 3/4 bath, and two additional finished rooms that provide flexible space for a home office, hobby room, exercise room, or additional storage. Step outside to the large, fully fenced backyard featuring a storage shed and plenty of room for outdoor entertaining, gardening, or RV and boat parking. Additional highlights include tiled bathrooms, newer appliances, and a durable 50-year metal roof for lasting peace of mind.

1210 Patriot Way, Oak Harbor

Listing courtesy of Real Broker LLC.

$889,900
2 Beds ⋅ 3 Baths ⋅ 2569262 MLS ⋅ ACTIVE Status
Enjoy Lakefront Living w/71ft of Waterfront&Beautiful Water Views in a Peaceful Natural Setting that this Builder Owned Updated 2905sqft 2 Bedroom,Remodeled 2.5 Baths,Bonus Room,Rec Room,&Flex Room Offers.Private Retreat w/Spacious Patio,Hot Tub,Mature Landscaping,&Private Gazebo.Light-filled Living&Dining Areas w/Lake Views,Soaring Ceilings,Warm Hardwood Floors,Expansive Updated Windows w/Electric Shades,Custom Wood Built-ins,Gas Fpl w/Wood Mantel,&Access to Huge Deck w/Rubber Coating&Lighted Remote Control Awning.Cook’s Kitchen w/Rich Wood Cabinetry including Glass-Front Doors,Expansive Granite Countertops,Gas Cooktop,Stainless Appliances,&Breakfast Bar.Spacious Primary Suite w/Abundant Natural Light,New Bamboo Floors,&Comfortable Sitting Area w/Lake Views.The Remodeled Ensuite features a Dual Vanity,Tile Floors,Lg Walk-in Shower,Generous Walk-in Closet,&Stylish Barn Doors add a Distinctive Touch.Spacious Rec Room featuring Big Open Space for Games,Hobbies,or Fitness Activities,Lots of Natural Light&French Doors provide Access to the Backyd,Patio,&Lakefront.Flex Room Ideal for a Home Office,Studio,etc offers Generous Space w/New LVP Flooring,Lots of Natural Light,Wall of Windows,&French Door Access to Backyd&Lakefront.Spacious Bonus Room w/Vaulted Ceilings&Lots of Natural Light from Multiple Windows.Updated Millwork.Lg 2-Car Gar,8X10 Golf Cart Garage&RV Parking.Low HOA:Water,Golf,Community Pools,&Road Maint.Newer HVAC System,H2O Heater,Gar Door&Entry Door.Updates are Done!!

272 Loch Lane, Camano Island

Listing courtesy of Windermere R.E. Northeast, Inc.

$962,000
3 Beds ⋅ 3 Baths ⋅ 2570069 MLS ⋅ ACTIVE Status
Enchanting Lovejoy Victorian, nestled in a quiet & peaceful neighborhood just steps from downtown Coupeville. Situated across the street from a greenbelt and the comm. beach access, enjoy captivating views of Penn Cove,Mt Baker & the wharf. The home's historic character has been well preserved but with modern amenities. In the last 1-6 years the following updates/replacements have been completed: new roofs on main and outbuildings; sewer hookup to city sewer, electrical and plumbing; new kitchen and appliances, quartz counter and porcelain farmhouse sink; remodeled bathrooms; new hardwood flooring in kitchen and dining room, new carpeting in BR's; chimney repointed and new cap and wood stove liner & new wood stove. This home and property are ready to enjoy, boasting 9' ceilings, bright chef's kitchen w/ island offering counter seating plus loads of storage, a primary bedroom w/ 1/2 bath on the main floor with 2 additional BR's & a BA upstairs, and a beautiful staircase. BONUS: Finished spaces that are currently used as a workout studio & music room, AND a 16' x 24' shop w/ loft storage and a corner workbench! Rounding out this sweet package is a huge yard, with an additional fenced in English garden with patio, pergola, firepit, and auto irrigation system. Current owners have thought of everything, they even installed a water softener & 22w whole house generator w/owned propane tank! The stairs to the private community beach recently been updated w/railing & solar lighting.

1209 NE Leisure Street, Coupeville

Listing courtesy of Front Street Realty.

$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.

$389,950
3 Beds ⋅ 2 Baths ⋅ 2569787 MLS ⋅ ACTIVE Status
Welcome to the Saratoga Beach Community! This spacious 3-bedroom, 2-bath home offers over 1,800 square feet with two separate living areas, giving you plenty of room to spread out, gather, work, or play. Fresh paint, carpet, and minor updates have been done to get you started--update the bathrooms in time to your own preferences. Step outside and you'll find a truly special oversized yard with mature trees and landscaping, established and producing fig trees, a charming gazebo, and a rustic garden shed/playhouse tucked among the greenery. There's plenty of open lawn for gardening, entertaining, pets, play, or simply enjoying your own outdoor space. The location makes this home even better! Community amenities include gated access to a private beach with a picnic area and boat launch, putting the best of Whidbey Island living right at your fingertips. With generous indoor and outdoor space, unique backyard features, and private community beach access, this is an incredible opportunity to make Saratoga Beach your home for an affordable price!

3244 Mardell Drive, Langley

Listing courtesy of RE/MAX Northwest.

$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) 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.

$649,999
3 Beds ⋅ 2 Baths ⋅ 2568081 MLS ⋅ ACTIVE Status
Tucked into a beautifully landscaped & private setting just minutes from historic downtown Coupeville, this charming 3-bedroom, 1.75-bath home offers a rare combination of island character, flexible space & exceptional gardens. Step inside from the covered front porch to a welcoming, fireplace-warmed living room & light-filled kitchen with granite countertops, stainless steel appliances & garden window overlooking the lush surroundings. The adjoining dining area opens directly to a spacious covered deck, creating an easy flow for indoor-outdoor living & entertaining. Convenient utility room with washer/dryer also provides direct deck access. Peaceful primary suite features an ensuite bath & walk-in closet, while two addtl bedrooms & full bath offer comfortable space for guests or office. Outside is where this property truly shines. Curving flagstone & gravel paths meander through established gardens filled with ferns, ornamental grasses, flowering perennials & variety of mature shade trees. A garden pergola, secluded fenced lawn & tranquil pond with a natural rock waterfall creates a setting that feels like a private retreat. Two detached structures add remarkable versatility. Charming studio cottage, finished to complement the main home's shingle siding, offers possibilities for guest accommodations, a creative retreat, home office or potential income use. The detached two-car garage includes a finished workshop area ideal for hobbies, art studio, home business or storage.

1607 NE Parker Road, Coupeville

Listing courtesy of Windermere RE Anacortes Prop..

$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.

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