Kitsap Homes with USDA Loan Terms

Kitsap Homes with USDA Loan Terms

Located in the beautiful state of Washington, Kitsap County is a charming region that offers a fantastic quality of life. Situated in the northwestern part of the United States, Kitsap County is known for its stunning natural beauty, vibrant communities, and strong sense of community spirit.

As part of the state of Washington, Kitsap County benefits from a wide range of amenities and attractions. The county is home to picturesque landscapes, including breathtaking coastlines, lush forests, and majestic mountains. Residents can enjoy outdoor activities such as hiking, boating, and fishing, making it an ideal place for nature lovers.

One notable aspect of Kitsap County is the availability of homes with USDA loan terms. This means that potential homebuyers can take advantage of favorable loan options provided by the United States Department of Agriculture. These loans are designed to help low to moderate-income families achieve their dream of homeownership. With USDA loan terms, buyers can benefit from low-interest rates, flexible credit requirements, and the option for zero down payment.

Whether you're looking for a cozy suburban home or a waterfront property, Kitsap County has a wide range of real estate options to suit every taste and budget. From charming historic homes in downtown areas to modern developments in family-friendly neighborhoods, there is something for everyone in Kitsap County.

With its stunning natural surroundings, strong community spirit, and the availability of USDA loan terms, Kitsap County is an excellent place to call home.

Newest Kitsap Homes with USDA Loan Terms

$949,000
4 Beds ⋅ 3 Baths ⋅ 2566650 MLS ⋅ ACTIVE Status
3 bedrooms, 2.75 bathrooms house located on 2.5 beautiful, park-like acres. This home boasts spacious rooms, large kitchen with SS appliances and eating space, office with French doors off of the bonus room, woodburning fireplace in the living room, primary suite with five piece bath including a soaking tub, an entertainment sized deck replaced in 2022, plus a gazebo in the backyard. The metal roof on the home, shop and out-buildings were all replaced in 2021, plus a finished ADU above a detached insulated garage/shop with a 3/4 bath and the building is on it's own separate meter. The attached garage is pre-wired for a generator and has storage and shelves galore! The Kingston Ferry is only 10 minutes away, and Safeway, Hansville and beach are located within 7 miles. Washer and dryer are negotiable.

7781 NE Frog Hollow Street, Kingston

Listing courtesy of John L. Scott, Inc..

$535,000
3 Beds ⋅ 2 Baths ⋅ 2566344 MLS ⋅ ACTIVE Status
Space, privacy, and updates come together on 2.47 acres in South Kitsap! This 3-bedroom, 2-bathroom home offers 1,658 square feet of comfortable single-level living, plus a flexible bonus den/office for work, hobbies, or extra living space. Fresh paint and new appliances throughout give the interior a clean, move-in-ready feel. Enjoy morning coffee on the wood deck overlooking the wooded acreage, with room to garden, park equipment, or simply spread out. Zoned RR (Rural Residential) in South Kitsap School District, this property offers a rare combination of acreage, privacy, and recent updates at an accessible price point. A great opportunity for buyers seeking room to breathe without sacrificing convenience — schedule your private tour today.

5189 SW Paradise Lane, Port Orchard

Listing courtesy of Revival Realty LLC.

$597,000
3 Beds ⋅ 3 Baths ⋅ 2566381 MLS ⋅ ACTIVE Status
Welcome to Sunnyslope Station! Tucked away on a quiet street with no through traffic, this 3 bedroom, 2.5 bath home offers 2,355 sq ft of living space on nearly half an acre in one of the area’s most desirable neighborhoods. Step inside to a bright and welcoming main level filled with natural light, fresh interior paint and new flooring throughout. The spacious living areas offer plenty of room to gather, relax and entertain, with an easy flow into the kitchen and dining spaces. Primary suite features attached 5-piece bath with updated vanity and generous walk-in closet. Convenient main level laundry and a fully renovated half bath. Fresh exterior paint, 50-year roof installed in 2020 with transferrable warranty and new gutters. Plenty of parking and room for an RV, boat or toys. Large backyard with outbuilding for storage.

6468 Crossing Place SW, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$618,000
4 Beds ⋅ 3 Baths ⋅ 2561422 MLS ⋅ ACTIVE Status
Beautiful Mt. Rainier views from inside and out set the stage for this spacious 4-bedroom home! The open-concept floor plan features large windows that fill the home with natural light and create a bright, welcoming feel. The spacious kitchen features stainless steel appliances, a large central island with seating, generous counter space, and plenty of room for entertaining or everyday living. The dining area flows effortlessly into the living room, while a built-in office nook provides a dedicated workspace. Upstairs, you’ll find four spacious bedrooms, including a generous primary suite with beautiful Mt. Rainier views and a 5-piece ensuite bath. A large guest bath features double sinks and convenient dual entry, adding extra functionality for the secondary bedrooms. Step outside to the patio and fully fenced backyard, perfect for relaxing, entertaining, or play while taking in the mountain views. Conveniently located with quick access to PSNS, Highway 16, shopping, dining, and everyday amenities.

1018 Timberline Avenue, Bremerton

Listing courtesy of Keller Williams Greater 360.

$685,000
4 Beds ⋅ 3 Baths ⋅ 2565666 MLS ⋅ ACTIVE Status
Details matter! This two-story Ridgetop home has been gone through with a fine-toothed comb. Meticulously maintained & artfully updated, enjoy custom touches in the totally renovated kitchen, primary bath, upstairs bath and powder room, fireplace, paint, trim, flooring, and much more! One of the hallmarks of great design is tension, and the finishes in this home create an amazing sense of sophistication without pretension. Brilliant white shaker kitchen cabinets, gleaming quartz countertops w/classic subway tile contrast beautifully with stainless steel appliances, matte black hardware, accent colored island cabinets & dark undermount farm sink and fixtures. Warm hardwood floors ground much of the main floor with depth. There is room for all with 4 bedrooms and 2 1/2 baths. Be taken away from the cares of the world in the primary bath's free-standing soaking tub or enjoy the roomy shower. So many thoughtful details have been crammed into this beautifully transformed space. Double sinks in the hall bath will help keep the peace among house dwellers and guests. Enjoy morning coffee, evening wine or BBQs on the spacious deck overlooking the patio & backyard play area. Enveloped in the trees and located at the end of a cul de sac, enjoy a sense of seclusion while minutes away from Central Kitsap Schools, all of the medical and shopping amenities of Silverdale and an abundance of recreation. Gas heat, cooking and hot water. Central air conditioning and ceiling fans in each room!

1154 NW Bramble Court, Silverdale

Listing courtesy of RE/MAX Platinum Srvs/Silverdal.

$650,000
3 Beds ⋅ 2 Baths ⋅ 2566202 MLS ⋅ ACTIVE Status
Welcome to your fairytale cottage nestled in a peaceful woodland setting. This one-of-a-kind custom cedar home is truly something special. Lovingly maintained by its second owners, much of the wood used to build the home was harvested and milled right on the property, creating a level of craftsmanship and character that's hard to find. Inspired by timeless Eurasian design, this home captures country living while offering the convenience of town just minutes away. Set on 4+ acres of wooded serenity you'll enjoy privacy, nature, and endless opportunities to relax and explore. Inside, the 3-bedroom, 2-bath home offers comfort and flexibility. A light-filled breezeway welcomes you and has served as an art studio, a gathering space for Thanksgiving dinners of 20+ and a reading room. Brand-new expansive decks are wired and plumbed for a future hot tub and feature a built-in outdoor shower. Whether you're entertaining friends or spending time birdwatching, these outdoor spaces are designed to be enjoyed year-round. The cozy primary bedroom is a true retreat, complete with its own private deck. Radiant heated floors provide year-round comfort, while the spacious lower level, complete with a wood-burning stove, offers endless possibilities for a media room, game room, gym, office, studio, or guest space. A two-car garage, attached carport, and generous driveway provide plenty of room for all of your toys. Schools are very close. Come experience the magic of this extraordinary home.

1350 SW Berry Lake Road, Port Orchard

Listing courtesy of Windermere RE West Sound Inc..

$390,000
3 Beds ⋅ 2 Baths ⋅ 2564689 MLS ⋅ ACTIVE Status
WELCOME HOME to peaceful country living and everyday convenience 2.7 ACRES with NO HOA, backing to a tranquil greenbelt. With usable land and endless possibilities, this property is ideal for those dreaming of a hobby farm, gardens, animals, outdoor recreation, or simply and enjoy PNW country living. The thoughtfully designed 1,493-square-foot home has 3BD and 2BA with an open concept layout. The spacious kitchen has white cabinetry, stainless steel appliances, abundant storage, and a large center island with bar. Expansive windows fill the home with natural light, creating a bright and welcoming feel. The desirable split bedroom floor plan has the primary suite on one side of the home w/ walk-in closet and full en-suite bath a perfect retreat for long days. Two additional bedrooms and a full guest bath are located on the opposite side of the home, making the layout ideal for guests or a home office. A conveniently located laundry and utility room sits just off the kitchen for added functionality. Step outside and the possibilities are endless. The acreage provides ample space for what your heart desires. Possibly build the shop or garage you've always wanted, park RVs, trailers, or recreational vehicles, create gardens, establish pasture for animals. You decide. Located close to shopping, schools, and an easy commute to shipyard, bases, Gig Harbor, Tacoma and more. Schedule your showing today!

13655 Primrose Lane SW, Port Orchard

Listing courtesy of Keller Williams Rty Tacoma.

$958,000
4 Beds ⋅ 4 Baths ⋅ 2563398 MLS ⋅ ACTIVE Status
A rare opportunity to own over 11 private acres offering the perfect blend of luxury living, recreation, and future potential. This exceptional property includes a beautifully maintained 4-bedroom home plus an adjacent 2.75-acre buildable parcel, creating endless possibilities for a multigenerational estate, custom home, investment opportunity, or added privacy. The home features an updated kitchen with new appliances (2024), inviting living spaces centered around a stunning indoor/outdoor propane fireplace, and a spacious bonus room above the garage with its own mini-split. Recent improvements include fresh exterior paint and gutters (2024), heat pump, fiber internet, custom window treatments, composite decking, and generator wiring. Outside, enjoy a fully fenced yard with sprinkler system, sports court with lighting, RV parking with water and 30-amp power, wooded trails, and a private pond stocked with bass and trout. Explore peaceful beaver ponds, abundant wildlife, and seasonal chanterelle mushrooms right on your own property. The high-producing well delivers approximately 36 GPM, and the 4-bedroom septic has been recently inspected. The included vacant parcel has completed critical areas work, providing a significant head start toward future development. A truly one-of-a-kind Pacific Northwest retreat where privacy, recreation, and opportunity come together.

9600 JM Dickinson Road SW, Port Orchard

Listing courtesy of Keller Williams West Sound.

$589,000
3 Beds ⋅ 4 Baths ⋅ 2565509 MLS ⋅ ACTIVE Status
Perched on a quiet cul-de-sac, this custom-built Bremerton home offers breathtaking panoramic views of Mt. Rainier, the Sinclair Inlet, and the Seattle skyline. Thoughtfully designed with quality craftsmanship, high-end finishes, new carpet, meticulous landscaping, and walls of windows, this 2-story home is filled with natural light and unforgettable views. Relax or entertain on the spacious deck while taking in the spectacular Northwest scenery. The luxurious primary suite features custom his-and-her bathrooms connected by a spacious walk-in closet. Designed for flexibility, the home is ideal for multigenerational living with washers and dryers on both the upper and lower levels. The daylight lower level includes two bedrooms, a full bath, a separate entrance, and excellent potential for extended living, guests, or rental income. Enjoy peaceful surroundings with easy access to downtown Bremerton, the Seattle ferry, and Bangor Naval Base. A rare opportunity to own an exceptional home that perfectly blends elegance, functionality, and iconic Pacific Northwest views.

1202 Lansing Avenue W, Bremerton

Listing courtesy of Windermere RE South Sound, Inc.

$665,000
4 Beds ⋅ 3 Baths ⋅ 2561419 MLS ⋅ ACTIVE Status
Panoramic views of the Seattle skyline, Cascade Mountains and Puget Sound set the stage for this beautiful 4-bedroom home! Step inside to a gorgeous kitchen featuring a grand island, beautiful cabinetry, quartz countertops, SS appliances, and plenty of space to gather and entertain. The open-concept layout flows seamlessly into the spacious living and dining areas, where you can enjoy the incredible views right from home. A dedicated main-floor work area offers the perfect space for remote work, homework, or hobbies. Upstairs, the spacious primary suite is a true retreat with a beautiful ensuite bath and generous walk-in closet. All three secondary bedrooms offer great space, along with a large guest bath featuring double sinks and convenient dual entry. Outside, enjoy your views with a fully fenced, level backyard with plenty of room for relaxing, entertaining, and play. Ideally located near Navy bases, ferries, freeway access, parks, shopping, dining.

1391 Baker Heights Loop, Bremerton

Listing courtesy of Keller Williams Greater 360.

$1,050,000
4 Beds ⋅ 3 Baths ⋅ 2565201 MLS ⋅ ACTIVE Status
Sweeping Hood Canal and Olympic Mountain views take center stage in this beautifully updated Mid-Century Modern retreat. Walls of windows fill the open, vaulted living spaces with natural light and frame spectacular western sunsets. The remodeled kitchen makes entertaining effortless, while the main-floor primary suite offers a renovated bath and inspiring views to wake up to. Outside, nearly 1.5 acres of extraordinary botanical-style gardens create a peaceful, private setting rarely found this close to town. Relax on the covered porch, explore the colorful grounds, or simply watch the sun set over the water and mountains. Preinspected and move-in ready, with Silverdale’s restaurants, shopping, grocery stores, and medical services just minutes away. A truly special property offering natural beauty without sacrificing everyday convenience.

8696 NW Anderson Hill Rd, Silverdale

Listing courtesy of eXp Realty.

$829,000
4 Beds ⋅ 3 Baths ⋅ 2563396 MLS ⋅ ACTIVE Status
Welcome to your own private Northwest retreat on over 8 acres! This beautifully maintained 4-bedroom home offers the perfect blend of comfort, recreation, and functionality. The updated kitchen features new appliances (2024) and flows seamlessly into inviting living spaces highlighted by a stunning indoor/outdoor propane fireplace for year-round entertaining. A spacious bonus room above the garage with its own mini-split provides flexible space for a media room, office, gym, or guest retreat. Recent improvements include fresh exterior paint and gutters (2024), plus a heat pump, fiber internet, custom wooden window treatments, composite decking, and wiring for a generator. Outside, enjoy a fully fenced yard with sprinkler system, sports court with court lighting, RV parking with water and 30-amp power, and your own private pond stocked with bass and trout. Explore wooded trails, discover seasonal chanterelle mushrooms, and enjoy abundant wildlife and peaceful beaver ponds. The high-producing well delivers approximately 36 GPM, and the 4-bedroom septic has been recently inspected. The adjacent buildable parcel is also available for purchase, offering a rare opportunity to own approximately 11.07 acres combined or purchase each property separately. Privacy, recreation, and endless possibilities await!

9600 JM Dickinson Road SW, Port Orchard

Listing courtesy of Keller Williams West Sound.

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