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

$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.

$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.

$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.

$549,500
2 Beds ⋅ 2 Baths ⋅ 2562791 MLS ⋅ ACTIVE Status
Discover this like-new, turn-key 2-bedroom home plus a versatile bonus room—perfect as a 3rd bedroom, home office, or playroom. The open-concept layout flows seamlessly through spacious living, dining &kitchen areas, all under vaulted ceilings that flood the space with natural light. Enjoy effortless indoor-outdoor living with a deck off the dining room leading to a private backyard on a generous half-acre corner lot. The home features an attached garage, covered front porch, whole-house generator wiring & highly efficient heating/cooling systems. Ideally located near shops, schools, restaurants, golf courses, beautiful beaches, and NAS Whidbey Island—this move-in-ready gem offers comfort, convenience, and easy living at its finest.

1415 Highland Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$579,000
2 Beds ⋅ 2 Baths ⋅ 2561780 MLS ⋅ ACTIVE Status
Incredible beach-home package on an oversized 0.415-acre lot on a quiet, paved cul-de-sac in the Onamac Beach community. Coveted and sought-after by islanders as having the BEST private beach, it is gated, paved and features a full boat launch with washdown hose and trailer parking, & three camping/trailer spots available for reservation by members. Picnic tables, horseshoe pits, barbecue stations, and more than 1,300 feet of sand-and-pebble deep-water shoreline on prime NW Camano Island for year-round enjoyment! Home and property have been well cared for—clean, neat, and move-in ready. Two generous bedrooms plus a den/office, including a private primary suite with an attached bath. The open floor plan includes two large living rooms and a wood-burning fireplace. The kitchen boasts an eating bar, bright appliances, and a dining area that steps outside to a fenced, gated patio/yard for outdoor living. Level, no-step garage with shop space, plus additional guest and boat/trailer parking. Huge, flat, landscaped grassy area for play and privacy, plus two detached garden sheds and raised beds. Located in the heart of the Sun Belt, this idyllic seaside community is just minutes from shopping, restaurants, and farmer’s markets—yet offers an easy commute to I-5 and Seattle. A rare, hard-to-find combination at an unbeatable price. Your patience has paid off—Welcome Home!

740 Commodore Lane, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$460,000
3 Beds ⋅ 1 Baths ⋅ 2561166 MLS ⋅ ACTIVE Status
Welcome to this charming and versatile 2-bedroom, 1-bath home offering 1,848 sq ft of living space in desirable Oak Harbor. The flexible layout includes a lower level currently used as a private apartment-style space with a small office. Perfect for guests, multi-generational living, or potential rental income. Enjoy stunning views of Penn Cove and the Olympic Mountains right from your home, creating a peaceful and picturesque backdrop year-round. Situated on a generous .42-acre lot, this property offers space, privacy, and endless potential. Upstairs, you’ll find comfortable living areas filled with natural light and scenic views. Step outside to a spacious, fully fenced yard featuring mature fruit trees, garden space, and plenty of room to relax or entertain. A detached two-car garage and additional storage shed provide ample space for hobbies, tools, and outdoor gear. Stay comfortable year-round with the added convenience of air conditioning, and enjoy peace of mind with a backup generator already in place. As part of a welcoming community, you’ll also enjoy access to amenities including a private beach, boat launch, and pool/clubhouse, ideal for making the most of the beautiful Pacific Northwest lifestyle. Don’t miss this unique opportunity to own a view property with flexibility, space, and fantastic community perks!

941 Diane Avenue, Oak Harbor

Listing courtesy of Keller Williams Western Realty.

$450,000
3 Beds ⋅ 1 Baths ⋅ 2557169 MLS ⋅ ACTIVE Status
This charming home sits on a double lot in Admirals Cove, offering plenty of room for enjoying the Whidbey Island lifestyle. The spacious fully fenced yard features dedicated garden space with raised beds, an XL kennel for pets or chickens, mature fruit trees including cherry, plum, and crabapple. Established blueberry and strawberry plants create a wonderful opportunity for homegrown harvests. A newer, large shed has ample space for garden tools. Inside the home, you'll find comfortable living with 3 bedrooms, a new mini split, new hot water heater, and fresh paint. The kitchen has a gas stove and all stainless steel appliances. Enjoy Admirals Cove amenities including a private beach, community pool, clubhouse, parks, playground, and lake. Just minutes from historic downtown Coupeville, NAS Whidbey, Fort Casey, and Ebey's Landing, this home is the perfect blend of space, location, and Island living.

1251 Russell Drive, Coupeville

Listing courtesy of Keller Williams Western Realty.

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