Island Homes with Conventional Terms

Island Homes with Conventional 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 for those seeking a peaceful yet connected lifestyle.

Homebuyers in Island County have the opportunity to explore a wide range of properties available with conventional terms. Whether you are looking for a cozy cottage, a spacious family home, or a luxurious waterfront estate, Island County has something to suit every taste and budget.

With conventional terms, homebuyers can enjoy the benefits of a traditional mortgage, including fixed interest rates and predictable monthly payments. This provides stability and peace of mind for those looking to invest in their dream home in Island County.

In addition to its picturesque surroundings, Island County boasts a range of amenities and attractions. From charming downtown areas with local shops and restaurants to outdoor recreational opportunities like hiking, boating, and fishing, there is always something to do and explore in this vibrant county.

Island County is also home to excellent schools, making it an ideal place for families to settle down and raise children. The strong sense of community and friendly neighbors further enhance the quality of life in this area.

If you are considering purchasing a home in Island County, you can rest assured that you will find a property that meets your needs and desires. With conventional terms, you can make your dream of homeownership a reality in this captivating county.

Newest Island Homes with Conventional Terms

$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.

$689,000
3 Beds ⋅ 3 Baths ⋅ 2560681 MLS ⋅ ACTIVE Status
Custom-designed 3-bedroom home in Fireside offering multigenerational living options, main-level accessibility, and both formal and casual living spaces. A covered entry invites you into the vaulted foyer with beautiful wood flooring and leads to the carpeted formal living room featuring a welcoming gas fireplace. French doors open to the formal dining room, while the great room creates a comfortable gathering space with custom built-in cabinetry, ceiling fan, and a second cozy gas fireplace. The well-appointed kitchen features abundant cabinetry, Corian countertops, garden window, appliance alcove, walk-in pantry, breakfast nook with bay window, and direct access to the deck for outdoor dining and entertaining. The main-level primary suite provides a retreat with a sitting area, personal gas fireplace, walk-in closet with skylight, and ensuite bath featuring dual vanities, relaxing soaking tub, and walk-in tub with shower. A guest bedroom, ¾ bath, and utility room with built-in cabinetry complete the main level. A sweeping staircase leads you upstairs to a versatile flex room offering options for a home office, media room, library, or hobbies, along with a guest bedroom and full bath. Additional highlights include an oversized 3-car garage with storage and workspace, Rinnai tankless hot water system, low-maintenance landscaping with front-yard sprinkler system, and backyard patio. Conveniently located near schools, shopping, parks, public transit, and NAS Whidbey Island.

2175 SW Rock Rose Drive, Oak Harbor

Listing courtesy of Acorn Properties, Inc.

$599,500
3 Beds ⋅ 2 Baths ⋅ 2563403 MLS ⋅ ACTIVE Status
Welcome to 1 of the best Remodeled 1 story homes on Camano Island. Just steps away from the Private Saltwater Beach Community on Lovely Camano Island. hard to find private BOAT LAUNCH included in EXCLUSIVE members only keyed access to 9 acre park with about 1500 +/- low bank waterfront at the bottom of this bluff, picnic tables, camping, games, birdwatching and BBQ. This no stairs home features generous 3 bedrooms and full bath with tub and private primary 3/4 bathroom with new shower. Don’t miss the state-of-the-art culinary setup that's equipped with a large island and a range of special features, high end appliances, accessories that make cooking gourmet, exotic, and specialty foods from scratch in your gourmet kitchen, Oversize island, all new water resistant flooring, fresh paint in and out that's very modern and chic, NEW ROOF will save you thousands immediately , attached 2 car garage, fun clean Hot Tub, front yard highlights a putting green, 19' dog run, Open, bright and spacious floor plan makes living here a dream, Enjoy no stairs in this head to toe remodel from 2025, Make sure to visit the campfire area and crabbing, wildlife galore to explore. Please note this beach is available all year long access. Onamac is perfect for whale watching from the shore as a added bonus, This is a great chance to enjoy the Waterfront community for years to come. There is still space to build additional buildings on the large side yard and room for every RV or toys imaginable

749 Commodore Lane, Camano Island

Listing courtesy of Michael J Real Estate LLC.

$715,500
4 Beds ⋅ 2 Baths ⋅ 2563323 MLS ⋅ ACTIVE Status
2.5 Acre - Equestrian & Mini-Farm on Camano Island – No Ferry Needed! The bright, open-concept 4 bedroom, 2 bath home features extensive upgrades, including a brand-new roof with a transferable warranty, fresh paint, new water heater, new washing machine, and a sleek kitchen updated with new counters & stainless steel appliances. The luxurious primary bedroom serves as a private retreat, complete with a spacious ensuite bath & French doors that open directly to your backyard oasis. Animal lovers will appreciate the fenced & cross-fenced level pastures, arena, pole barn, 3 run-in horse stalls, hay storage shed, and round pen. Aviary, chicken coop, and two additional storage sheds. The grounds are an absolute gardener's delight, boasting established perennial flower beds, a pond, towering cedars, and a robust harvest featuring a variety of fruit trees, grape vines, thriving blueberries, strawberries, gooseberries, a variety of potatoes, and asparagus. Additional features include a deep-set home foundation for enhanced structural quality, a convenient circular driveway, RV parking equipped with power & sewer hookups. Plenty of space & possibilities for an ADU, multi-generational living, guest house, shop, extra income...or? Minutes away from State Parks, multiple beaches & trails! Enjoy a perfect blend of private, quiet island living, a friendly neighborhood vibe, and all that Camano has to offer. Everything is ready & waiting - bring your horses, your dreams, and enjoy!

472 Iris Lane, Camano Island

Listing courtesy of North48 Real Estate.

$975,000
2 Beds ⋅ 3 Baths ⋅ 2562905 MLS ⋅ ACTIVE Status
Perched in the sought-after Whidbey Shores community, this remodeled 2-bedroom, 3-bath home captures stunning views of Saratoga Passage and offers the perfect blend of comfort, flexibility, and island living. The spacious, updated kitchen is the heart of the home, featuring abundant cabinetry, generous counter space, and room to gather with family and friends while enjoying the water views. Designed with versatility in mind, the lower level includes a second kitchen, making it ideal for multigenerational living, extended guests, or short term rental possibilities. RV parking and hook-ups on site as well as a circular drive-way and attached covered carport with plenty of storage space complete this well-appointed home. Thoughtful updates throughout create a move-in-ready retreat where you can relax and embrace the Whidbey lifestyle. Enjoy exclusive community beach access and a private boat launch, perfect for boating, kayaking, paddleboarding, beachcombing, or simply soaking in the natural beauty of Saratoga Passage. Conveniently located just minutes from the charming seaside village of Langley, you'll love easy access to boutique shopping, local restaurants, galleries, wineries, and all the recreation and small-town charm that make Whidbey Island such a special place to call home.

2426 Eastpoint Drive, Langley

Listing courtesy of Lapis Homes.

$849,500
1 Beds ⋅ 2 Baths ⋅ 2562655 MLS ⋅ ACTIVE Status
[2 bedroom septic] Single level living in this waterfront property w/ private beach access and unobstructed stunning panoramic views of Mt. Baker & Penn Cove! Situated on a dead-end street leading to Long Point, one of the most beautiful beaches on Whidbey Island. Your private stairs to the beach provide endless hours of fishing, crabbing, shrimping, boating, kayaking, whale watching and beach combing on your 70' of pristine Penn Cove waterfront. Every inch of this property allows for amazing views! Enjoy the fresh breezes and salty air as you watch the sunrise over Mt Baker from the very spacious deck. Open concept living, w/ a wall of windows & vaulted ceilings in the living room, a propane stove for cozy evenings & glass slider to the deck for entertaining. Large kitchen w/ panoramic views, plenty of counter /cupboard space & new fridge. Extra large bedroom w/ its own free standing propane stove, en-suite, glass slider to the deck & large window capturing the view! Large laundry room & full guest bathroom w/ built-in cabinetry. Established landscaping all around the house, including a fenced garden area. All the important upgrades in place, highlights include: Updated bulkhead, Vinyl windows & sliders throughout the home, heat pump furnace & AC & updated water tank. New Generac propane generator for continuous power during outage, new electric panel, & home professionally painted on exterior. Enjoy this waterfront home year-round or as your dream getaway.

344 Marine Drive, Coupeville

Listing courtesy of Windermere Whidbey Island.

$849,900
1 Beds ⋅ 1 Baths ⋅ 2535976 MLS ⋅ ACTIVE Status
Set on the tranquil shores of Penn Cove along sought-after Madrona Way, this waterfront retreat is all about the views, the setting & the lifestyle. Major remodel, top to bottom: NEW 50-year roof, concrete siding & trim, vinyl windows, gutters & synthetic decking — plus new carpet & LVP flooring, paint (inside & out), doors & updated bath over a treated crawl space. The big work is behind you, so weekends go to the water instead of the to-do list. Inside, 912 sq ft offers 2 bedrooms, 1 bath & a living room warmed by a cozy free-standing wood stove--where picture windows frame panoramic views of Penn Cove, Mount Baker & the Cascades. Outside, 50+ feet of no-bank waterfront & tideland rights open to your very own private beach. Kayak, paddle-board or beach-comb, then watch the sun set from the deck while sailboats drift across protected waters. Add in frequent Orca sightings & everyday life feels extraordinary. Minutes from historic Downtown Coupeville...and you've just unlocked something truly special...

1982 Madrona Way, Coupeville

Listing courtesy of Windermere Whidbey Island.

$509,000
3 Beds ⋅ 3 Baths ⋅ 2558917 MLS ⋅ ACTIVE Status
Set in a private yet centrally located pocket of town—custom, nearly-new construction at 1,738 square feet. The living room pairs LVP floors & oversized picture windows with a seamless transition to the dining space—a layout that works for quiet weeknight dinners as easily as it does for hosting a crowd.The open kitchen has polished quartz counters, custom cabinetry, entertaining island/breakfast bar, & walk-in-pantry. An efficient heat-pump (offering year-round comfort), low-maintenance fenced yard/sunny patio, plus nominal monthly dues to cover landscaping, community park/play area & more--providing the lifestyle perks without the weekend work! Minutes from schools, stores & base, yet still your own quiet escape. More? The seller is offering a $15,000 credit toward closing costs or a rate buy-down—a lower payment from day one. The hard part is already done—come see the rest...!

360 SW Ballast Way, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$445,000
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 courtesy of Keller Williams Western Realty.

$530,000
4 Beds ⋅ 3 Baths ⋅ 2562101 MLS ⋅ ACTIVE Status
Spacious 4-bedroom, 3-bath split-level home on a desirable corner lot with beautiful views of Oak Harbor and the bay. Updated kitchen cabinetry w/ mobile island & covered deck off the dining room make everyday living & entertaining a breeze. Fully fenced for privacy with direct access to community greenbelt just beyond the backyard, the lot offers plentiful garden spaces & abundant storage. The lower level features a 3/4 bath, additional living space & bedroom—ideal for multigenerational living/guest quarters or added rental income. This property offers incredible potential to customize and make it your own in a sought-after location with scenic surroundings. Centrally located near shops, schools, restaurants & NAS Whidbey.

1127 SW Fairhaven Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$485,000
1 Beds ⋅ 3 Baths ⋅ 2562565 MLS ⋅ ACTIVE Status
Centrally located close to downtown, schools and the beach. Quality construction you can see and feel as soon as you walk in. #-3 spacious bedrooms and a huge laundry/bonus room. Living area and kitchen are graced with beautiful solid wood Acacia flooring.

55 NE Kettle Street Unit #A2, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

$485,000
1 Beds ⋅ 3 Baths ⋅ 2562516 MLS ⋅ ACTIVE Status
Centrally located close to downtown, schools and the beach. Quality construction you can see and feel as soon as you walk in. #-3 spacious bedrooms and a huge laundry/bonus room. Living area and kitchen are graced with beautiful solid wood Acacia flooring. Photos shown are of staged Unit A2. A1 has a similar layout; details may vary.

55 NE Kettle Street Unit #A1, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

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