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

$669,000
2 Beds ⋅ 2 Baths ⋅ 2566037 MLS ⋅ ACTIVE Status
Charming South Whidbey home with flexible living spaces! Built in 2016 and ideally located in the desirable Campbell's Glen neighborhood, this thoughtfully designed home offers convenient access to the ferry, schools, shopping, and everyday amenities. Energy-efficient and beautifully maintained, the two-bedroom floor plan is both functional and inviting. The light-filled main level features an open-concept living, dining, and kitchen area that's perfect for gathering. The spacious kitchen showcases granite countertops, maple cabinetry, stainless steel appliances, and a generous walk-in pantry. A 3/4 bath, practical mud area, & a cozy office or den nook add everyday convenience. Upstairs, you'll find both bedrooms, the laundry area, and a versatile bonus room with a freestanding propane fireplace—ideal for your specific needs! The upper landing provides additional flexible space for a reading nook, workspace, play area, or home gym. Beautiful natural materials enhance the home's warmth, with bamboo flooring on the main level and fir flooring upstairs finished using traditional Danish soap for a distinctive, timeless look. Outside, the lower level opens to an enchanting garden and greenhouse, where old-fashioned flowers, herbs, and vegetables create a lush, cottage-inspired landscape with an organic, relaxed feel. Completing the property is a finished two-car garage with 220-volt power. Here is your next chapter of Island Living waiting for you in this appealing package!

4194 Moorland Place, Clinton

Listing courtesy of Keller Williams Realty Bothell.

$535,000
4 Beds ⋅ 3 Baths ⋅ 2566108 MLS ⋅ ACTIVE Status
Move in ready 4 bedroom two story home offers the perfect blend of prime location and great floorplan. Light filled rooms are perfect size and flow seemlessly from one to another. Large kitchen has laminate floors, breakfast bar and stainless steel appliances with potential to add more cabinets and an island. Family room off the kitchen has a slider to back patio and wood burning fireplace. Living and Dining rooms have bay windows. Upstairs you will find an extra large master bedroom with full bath and walk in closet. Each bedroom has terrific exposure. Level fully fenced rear yard is a blank slate and offers endless possibilities. The sundrenched yard will be perfect for garden spaces, raise your own chickens, and ideal setting for outdoor entertaining. New roof just recently installed. Forced air gas heating. Conveniently located in a quiet and desirable neighborhood within walking distance of Oak Harbor High School and Hillcrest Elementary. Just minutes to NAS Whidbey! Ready for it's new owner to love and add personal touches. Enter this cheerful home and it will have you saying Home Sweet Home!

1620 NW Outrigger Loop, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$560,000
4 Beds ⋅ 3 Baths ⋅ 2566111 MLS ⋅ ACTIVE Status
Set in the established Highlands West neighborhood, this spacious Oak Harbor home offers room to settle in, spread out, and enjoy everyday life with ease. A light-filled entry with soaring ceilings opens to formal living and dining spaces, where wainscoting and crown molding add a polished touch. At the heart of the home, the generous kitchen features a large granite-topped island, abundant cabinetry, and an easy connection to the family room and its cozy gas fireplace. The expansive primary suite includes a walk-in closet and private full bath, while the laundry and mudroom provide practical storage for busy days. Outside, the fully fenced backyard is ready for relaxing, gardening, or gathering, complete with a deck, storage shed and a dedicated concrete RV parking pad which adds even more flexibility. With multiple schools and conveniences nearby, this location keeps daily routines comfortably close to home.

594 SW Regency Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$585,000
3 Beds ⋅ 2 Baths ⋅ 2565423 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 3-bedroom, 2-bath home with a bonus room, situated on just over 2.5 acres. The fully remodeled kitchen features newer cabinetry, composite countertops, an upgraded sink, and newer stainless steel appliances. Enjoy newer LVP flooring, vinyl windows, doors, fixtures, recessed lighting, and a newer garage door with opener. Stay cozy with the pellet stove and appreciate the spacious dining room and oversized laundry room with pantry. Outside offers a detached 2-car shop, fenced front yard, fruit trees, fire pit, chicken coop, RV/generator hookup, new roof (2025), and an extensively updated septic system, including a new drain line, pump, and air pump (2023). Move-in ready!

216 E Sleeper Road, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$850,000
2 Beds ⋅ 2 Baths ⋅ 2565047 MLS ⋅ ACTIVE Status
Nestled in one of Langley's most desirable waterfront communities, this thoughtfully designed home invites you to slow down and embrace the best of Whidbey Island living. Curl up with a good book beside the cozy fireplace, then gather with friends in the home's welcoming living spaces. Two built-in Murphy beds provide flexible accommodations for guests without sacrificing everyday comfort. Take in peaceful water views from multiple decks, unwind around the firepit under the stars, or enjoy the convenience of RV parking and a spacious detached shop for hobbies, storage, or projects. Just around the corner, the private community beach and boat launch access offer close coastal havens, and the clubhouse is a great place for flexible entertainment space. Spend your days wandering the shoreline, kayaking along calm waters, watching eagles and seabirds soar overhead, or catching glimpses of seals playing in the bay. Only minutes from the charming seaside village of Langley, you'll enjoy boutique shopping, local restaurants, galleries, and year-round community events. More than a home, this is a place to gather, recharge, and create lasting memories surrounded by the natural beauty of Whidbey Island. Welcome home.

3484 East Harbor Road, Langley

Listing courtesy of John L. Scott Mukilteo.

$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..

$1,075,000
3 Beds ⋅ 3 Baths ⋅ 2565375 MLS ⋅ ACTIVE Status
Welcome to the highly sought-after Spinnaker Ridge neighborhood on Whidbey Island, where privacy, breathtaking sun rises over the Cascades, and a welcoming sense of community come together. Take in spectacular views of Mt. Baker, the Puget Sound, and Hat Island, with the shimmering lights of Everett reflecting across the water at night. This beautifully maintained home offers effortless main-floor living, highlighted by an expansive primary suite designed as a peaceful retreat. Vaulted ceilings fill the living spaces with natural light, while the lower level provides room for everyone with two additional bedrooms, a spacious rec room, a large office or studio space, and abundant storage. Step outside to professionally landscaped grounds and enjoy a large garage with room for a workshop, home gym, or hobbies. Thoughtfully designed for comfort and efficiency, the home features a 35-module grid-tied solar PV system, on-demand hot water, and a forced-air heat pump providing year-round comfort. Spend your days watching passing ships, ferries and even migrating whales from the comfort of the expansive back deck, all while enjoying easy access to the mainland ferry just minutes away. Island living has never been so effortless.

4633 Tanner View Drive, Clinton

Listing courtesy of Windermere Whidbey Island.

$495,000
1 Beds ⋅ 1 Baths ⋅ 2564063 MLS ⋅ ACTIVE Status
Welcome to this storybook Whidbey Island cottage, where cozy spaces, thoughtful updates, and island living come together just minutes from everyday conveniences and the waterfront. Enter inside to a cozy living room centered around a fireplace, creating the perfect place to gather before flowing seamlessly into the dining area and kitchen. The kitchen is equipped with stainless steel appliances and functional storage. Upstairs, a quaint loft offers a flexible space for a home office, reading nook, or creative retreat. The sun-filled primary bedroom features generous storage, an oversized laundry area, and direct outdoor access, while a second bedroom and a centrally located bathroom complete the home's comfortable layout. Outside, you will discover ample space to relax and unwind with a fully fenced yard, covered patio space, ample parking, and thoughtful landscaping. Located less than five minutes from local shops, dining, and daily essentials, with waterfront access just moments away, this Whidbey Island retreat offers the ideal private escape or investment opportunity with excellent income potential.

5905 Fish Road, Freeland

Listing courtesy of Lamb Real Estate.

$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.

$865,000
2 Beds ⋅ 3 Baths ⋅ 2565388 MLS ⋅ ACTIVE Status
Welcome to this beautifully crafted custom home in Freeland, ideally located just minutes from town while offering the privacy and tranquility of Island living. Set on approximately 2.38 acres, this exceptional property features 3 bedrooms, 2.5 bathrooms, and thoughtfully designed living spaces filled with quality craftsmanship and inviting details throughout. The beautifully updated kitchen flows seamlessly into the dining area, creating an ideal space for everyday living and entertaining. The spacious primary suite has been tastefully updated to provide a comfortable and relaxing retreat, while every room reflects pride of ownership and attention to detail. A standout feature of this property is the impressive, oversized shop, thoughtfully incorporated into the home's main structure for convenient access and exceptional functionality. Whether you're a hobbyist, need extra storage, or require workspace for projects, the attached shop offers endless possibilities. A private office with its own exterior entrance provides the perfect setup for working from home, meeting clients, or running a home-based business. Surrounded by 2.38 acres of beautiful grounds, you'll have plenty of room to garden, pursue outdoor hobbies, or simply enjoy the peaceful setting. This unique property offers the perfect combination of comfort, versatility, and the relaxed lifestyle that makes Island living so special.

6532 Wahl Road, Freeland

Listing courtesy of Keller Williams Realty Bothell.

$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.

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