Island County Homes with USDA Loan Terms

Island County 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 County Homes with USDA Loan Terms

2127 Fireside Lane, Oak Harbor
$649,999
4 Beds ⋅ 3 Baths ⋅ 2601343 MLS ⋅ ACTIVE Status
Privacy, comfort, and an exceptional detached shop—all minutes from Oak Harbor amenities. Tucked away in a private, country-like setting, this move-in-ready, two-story home offers over 2,000 sf, 4 spacious bedrooms &2.5 baths. A covered front porch and mahogany front deck create a welcoming entry. Inside, formal living and dining spaces complement a spacious family room off the kitchen, opening to a sturdy-built redwood deck extending the living space outdoors for effortless entertaining. The spacious primary suite includes a walk-in closet and en-suite bath. Enjoy quality materials including high-end luxury vinyl plank flooring, vinyl windows, a cozy & efficient gas fireplace, central heating, newer furnace (2 yo), attached 2-car garage with ample storage, 45-year rated roof, generous parking & a dependable generator, which conveys. Beautifully landscaped grounds flow from the front yard through the side and into the backyard, creating a serene, private retreat, while an oversized infiltrator drainage system keeps the property nice & dry. The insulated & heated detached garage/shop features a built-in vacuum system, 220V wiring, welding capability, wired speakers, plumbed natural gas, and additional covered parking. An adjacent insulated compressor room helps minimize equipment noise. An inviting retreat with room to gather, create, and unwind—all just minutes from Oak Harbor schools, beaches, parks, shopping, and NAS Whidbey.

2127 Fireside Lane, Oak Harbor

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

4550 Woodland Circle, Oak Harbor
$465,000
3 Beds ⋅ 2 Baths ⋅ 2601158 MLS ⋅ ACTIVE Status
Turnkey comfort at an affordable price! Tucked away on over a third of an acre, this updated, single-story home offers 3 bedrooms, 1.75 baths, and fresh finishes throughout. Enjoy new paint, countertops, and lighting, plus easy-maintenance luxury vinyl flooring. A fully renovated full bath adds fresh appeal, while a gas fireplace makes the living space warm and cozy. A large bonus room, converted from the garage offers flexible space for everyday needs. Outside, the large, fenced, terraced backyard provides room to relax, garden, or entertain on a new spacious deck off the living room. A detached, finished studio with power, new paint, flooring, and trim is ready for creative projects or hobbies. Enjoy a tucked-away setting within easy reach of the main highway, Oak Harbor, Deception Pass State Park, and NAS Whidbey Island. Move-in ready and priced to sell—an excellent opportunity for buyers seeking affordability, thoughtful updates, and room to spread out!

4550 Woodland Circle, Oak Harbor

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

95 E Morris Road, Coupeville
$415,000
3 Beds ⋅ 2 Baths ⋅ 2601324 MLS ⋅ ACTIVE Status
Cute as a button and brimming with country charm! Enjoy peaceful country living just minutes from historic downtown Coupeville. This value-priced, energy-efficient home offers 3 bedrooms and 2 baths.. Beautiful laminate flooring adds warmth and style throughout the main living areas, while the spacious living room and open kitchen create a welcoming atmosphere for everyday living and entertaining. The generous primary suite features its own private bath, and thoughtful extras include a durable metal roof, fenced yard, and inviting covered porch. Start your mornings with coffee on the porch while soaking in the peaceful surroundings and water views. Charming, affordable, and ideally located—this sweet home is ready to welcome you!

95 E Morris Road, Coupeville

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

4207 Crestway Road, Greenbank
$350,000
3 Beds ⋅ 2 Baths ⋅ 2600537 MLS ⋅ ACTIVE Status
Discover the beauty of Central Whidbey Island living! Nestled among towering evergreens on approximately 3.86 private, level to gently sloped acres in Greenbank, this inviting 3-bedroom, 2-bath, 1,512 sq ft home blends peaceful country living w/ everyday convenience. Vaulted ceilings, skylights & an open layout fill the home w/ natural light. Beautiful 2-year-old flooring flows seamlessly throughout. The kitchen features white shaker cabinets, stainless appliances, abundant storage & a charming dining area. All three bedrooms feature walk-in closets, while the primary suite also offers a private bath. Outside, endless possibilities await! Enjoy coffee on the front deck, entertain on the spacious rear deck, or make the most of a separate well for outdoor watering. A 12x20 powered shop w/ its own driveway, 10x10 storage building, RV parking & usable acreage offer room for hobbies, projects & outdoor adventures. HOA dues include community water & road maintenance. Nearby Greenbank Farm offers scenic walking trails, gardens, shops & community events. Explore Whidbey's beaches, hiking trails, wineries & charming seaside communities. Enjoy easy access to Coupeville's historic waterfront, restaurants & boutiques, plus Freeland's shopping & amenities. Located in the Coupeville School District, this exceptional property offers the space, privacy & relaxed island lifestyle you've been dreaming of!

4207 Crestway Road, Greenbank

Listing Broker: Latham Realty Unlimited Inc; Jeff T. Latham; 425-345-4920; jeff@lathamre.com

1141 NE Cordero Place, Oak Harbor
$456,000
3 Beds ⋅ 2 Baths ⋅ 2598850 MLS ⋅ ACTIVE Status
Welcome to Spring Hollow, a beautiful Oak Harbor neighborhood on Whidbey Island! This charming 3-bedroom, 2-bath home offers new carpet in two of the three bedrooms and a remodeled kitchen with Caesarstone countertops, high-end appliances, and a stainless steel double dishwasher. The fireplace-ready living room offers the potential for a cozy gathering space. Enjoy breathtaking sunrises, plus a neighborhood park with green space, mature trees, and a nature trail. The 2-car garage offers abundant outlets and 220V power, ideal for hobbies and projects. Centrally located near Oak Harbor shopping, dining, and downtown, just minutes from NAS Whidbey Island. The perfect blend of modern upgrades, outdoor enjoyment, and everyday convenience!

1141 NE Cordero Place, Oak Harbor

Listing Broker: Keller Williams Western Realty; David Zimmerman; 757-971-2030; D.Zimmerman@kw.com

4260 Northgate Drive, Oak Harbor
$450,000
3 Beds ⋅ 2 Baths ⋅ 2598794 MLS ⋅ ACTIVE Status
Looking for comfort, convenience, and community? Welcome to Northgate Drive! This 3-bedroom, 2-bath manufactured home features 1,296 sq ft of living space, a practical floor plan, a dedicated dining area open to the kitchen and living rooms, and a private primary bedroom with walk-in closet and ensuite. Double-pane windows, ceiling fan, and vinyl plank flooring add everyday comfort and functionality. Outside, enjoy a fully fenced, level lot with a deck and patio surrounding a firepit—ideal for outdoor gatherings or quiet evenings. Set along a dead-end street in Northgate Terrace, residents can enjoy community amenities like a clubhouse and park. A great opportunity to settle into the Oak Harbor lifestyle!

4260 Northgate Drive, Oak Harbor

Listing Broker: Keller Williams Western Realty; Cary Anderson; 360-929-2932; caryanderson77@gmail.com

1543 Graham Drive, Camano Island
$575,000
3 Beds ⋅ 2 Baths ⋅ 2598230 MLS ⋅ ACTIVE Status
Brand-New Construction in Lost Lake, where a community lake and walking trails are right outside your door. This 3 bedroom/2 bath rambler sits on just over 1/2 of an acre with a large/usable back yard. An open-concept floor plan with vaulted ceilings feels bright and spacious. Beautiful stained concrete floors are low maintenance & nearly indestructible. The kitchen features shaker cabinets with soft-close hardware and stainless steel appliances. Efficiently heated & cooled with mini splits + an ultra-energy-efficient heat pump hot water tank that is estimated at $120 a year to run. Primary suite with ensuite bath and walk-in closet. No-step entries at both the front door and through the fully finished garage make coming and going easy, and an exterior spigot with hot and cold water is handy for pets, projects, and car washing. Yard has been freshly hydroseeded. The home is also pre-wired for a generator. State parks, beachcombing, crabbing, shopping, restaurants, and golf are all close by. Come enjoy island life with no ferry!

1543 Graham Drive, Camano Island

Listing Broker: Windermere Real Estate/CIR; Amanda Chapman; 360-618-3765; amandac@windermere.com

730 SE 8th Avenue Unit #B102, Oak Harbor
$275,000
2 Beds ⋅ 2 Baths ⋅ 2597854 MLS ⋅ ACTIVE Status
If you are looking for affordability, practicality and a convenient location this is an excellent option for you! This 951 square foot on ground-floor unit features a sun filled kitchen with breakfast bar which opens to the open concept dining and living room. The thoughtful floor plan provides comfortable separation between living spaces and bedrooms. The primary bedroom includes an ensuite 3/4 bathroom. There is a second bedroom, full bathroom and in-unit washer and dryer. A glass door takes you from the living room to a small deck with storage closet and your private enclosed patio. The condo has one assigned carport plus dedicated guest parking. HOA covers water, sewer, garbage & landscaping. Ideally located close to downtown Oak Harbor, this home offers easy access to local shopping, dining, beach, parks, and nearby trails, making it simple to enjoy the best of Whidbey Island living. Whether you're a first-time buyer, looking to downsize, investing, or searching for a convenient place to call home, this condo offers a wonderful opportunity in a great location. Easy commute to NASWI. Come and make it yours!

730 SE 8th Avenue Unit #B102, Oak Harbor

Listing Broker: Coldwell Banker 360 Team; Anna Fitzgerald; 360-675-5915; anna.f@cb360team.com

1407 Shuksan Drive, Camano Island
$459,000
2 Beds ⋅ 1 Baths ⋅ 2597206 MLS ⋅ ACTIVE Status
Unique A-Frame Architecture gives this home instant character and curb appeal. Home is move-in ready for full-time living or your perfect escape from the hustle and bustle—with excellent Airbnb potential. The main level features an open, easy-flowing layout that connects the kitchen, dining area and living room. This level also includes a comfortable bedroom and updated bathroom with laundry. Upstairs you’ll find a second bedroom and a spacious bonus loft offering a flexible space that can easily serve as a third bedroom. Outside, relax on the deck or enjoy evenings gathered around the fire pit. Secluded and private, this peaceful property feels like your own quiet escape, yet just minutes to State Parks and Beaches. A shed and chicken enclosure are included (the chickens would love to stay!). No HOA.

1407 Shuksan Drive, Camano Island

Listing Broker: The Preview Group; Tim Knibbe; 425-238-5992; tim@KnibbeRealEstate.com

485 SW 4th Avenue, Oak Harbor
$389,999
3 Beds ⋅ 2 Baths ⋅ 2596239 MLS ⋅ ACTIVE Status
Positioned in a prime Oak Harbor location, this 3-bedroom, 1.5-bathroom home is a standout opportunity for anyone looking to build equity in a highly sought-after neighborhood. Located just a short distance from local schools, parks, and the shops and dining of downtown, the convenience of this address is hard to beat. This property is truly a diamond in the rough, offering a classic layout and solid potential for those ready to bring their creative vision. The home is priced to move, reflecting its status as a blank canvas awaiting a fresh perspective and updates. It’s the perfect match for an investor or a handy homeowner looking to personalize a space from the ground up and breathe new life into every room. With its excellent proximity to the best of Whidbey Island and a price point designed for a swift sale, this home is ready for its next chapter. Bring your ideas and your ambition—opportunities to secure a property with this much upside in such a central location don't last long.

485 SW 4th Avenue, Oak Harbor

Listing Broker: CENTURY 21 Center Point; Casey Ross; 509-933-4000; casey@c21eburg.com

738 NE O'Leary Street, Oak Harbor
$500,000
3 Beds ⋅ 2 Baths ⋅ 2595573 MLS ⋅ ACTIVE Status
Beautifully remodeled and move-in ready in the heart of Oak Harbor! Situated on an oversized corner lot, this 1,570 SF home offers 3 bedrooms, 1.75 baths and a thoughtful blend of style, comfort and functionality. The complete remodel features gorgeous hardwood floors, an updated kitchen with brand-new stainless steel appliances and abundant storage throughout. Enjoy both a spacious living room and separate family room, each with its own fireplace, giving you plenty of room to gather, relax or entertain. The bathrooms have been beautifully refreshed, including an extra-large soaking tub perfect for unwinding. Outside, enjoy a fully fenced backyard with room to garden, play or entertain, plus a 1-car garage. A gas furnace and water heater add efficiency, while the roof is just 6 years old for added peace of mind. Centrally located near NAS Whidbey, schools, shopping, dining and all that Oak Harbor has to offer!

738 NE O'Leary Street, Oak Harbor

Listing Broker: Keller Williams Western Realty; Christina Zimmerman; 757-971-2035; c.zimmerman@kw.com

1099 Koenig Lane, Coupeville
$499,000
3 Beds ⋅ 3 Baths ⋅ 2595034 MLS ⋅ ACTIVE Status
Beautiful Northwest scenery surrounds this inviting 3-bedroom, 2.5-bath home, where views of the shipping lanes, Olympic Mountains, and expansive wetlands create a truly special backdrop. Inside, abundant natural light and soaring vaulted ceilings give the main living space an open, airy feel, with a dedicated nook ready for your favorite wood or pellet stove. The well-designed kitchen offers an easy connection to the dining area, making entertaining a breeze, and features a brand-new propane range and hood along with newer dishwasher and refrigerator. The generously sized primary bedroom is a peaceful retreat with its own impressive water views. Outside, enjoy Admiral's Cove community pool and beach access and the beauty of the surrounding landscape right from home.

1099 Koenig Lane, Coupeville

Listing Broker: RE/MAX Gateway; Kimberly Whitehead; 360-488-0498; kimberly@teamkellilang.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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