Kitsap County Homes with USDA Loan Terms

Kitsap County 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 County Homes with USDA Loan Terms

4540 NW Inverness Court, Bremerton
$575,000
3 Beds ⋅ 3 Baths ⋅ 2600150 MLS ⋅ ACTIVE Status
Enjoy Dyes Inlet water views to the east from your main floor and the separate private bedroom upstairs, expansive outside deck from this home off of Chico Way. The real hardwood floors throughout the main floor were completely resurfaced, stained, and sealed. Kitchen was remodeled with new flooring, countertops, sink, faucet, garbage disposal, and all new appliances including refrigerator, stove, microwave, and dishwasher. Huge back yard has a chicken coop or garden shed and several fruit trees plus grape vines. You could have the primary bedroom on the main floor or in the separate area on the second floor; both have their own private baths. Use your big two car garage. The water views will be there everyday.

4540 NW Inverness Court, Bremerton

Listing Broker: John L. Scott, Inc.; Marcus Hoffman; 360-271-0023; mhoffman@johnlscott.com

1738 5th Street, Bremerton
$325,000
2 Beds ⋅ 1 Baths ⋅ 2598359 MLS ⋅ ACTIVE Status
Welcome home to this charming 2-bedroom, 1-bath rambler in Bremerton! With 680 square feet of cozy living space, this home offers comfort and functionality. Step inside to an inviting living room that flows into a kitchen featuring plenty of counter and cabinet space, along with a gas stove. The primary bedroom offers convenient access to the bathroom and a separate entrance leading to the backyard and laundry room. Enjoy relaxing on the cute front porch or spending time in the fully fenced backyard. A detached one-car garage and additional street parking provide extra convenience. Kiwanis park is just steps away. Full of charm and possibilities, this little gem is ready to welcome you home!

1738 5th Street, Bremerton

Listing Broker: Keller Williams Greater 360; Carly McGraw; 360-731-7599; carly@carlymcgrawteam.com

708 Courage Court SE, Port Orchard
$459,900
4 Beds ⋅ 3 Baths ⋅ 2598745 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained 4-bedroom, 2.5-bath home in Port Orchard! Step inside to an inviting open-concept floor plan featuring a cozy gas fireplace and a spacious kitchen with stainless steel appliances, ample cabinetry, and a center island with an eating bar, perfect for everyday living and entertaining. A sliding glass door off the main living area leads to the backyard patio, offering a wonderful space to relax, entertain, or enjoy the garden. Upstairs, the spacious primary suite features dual sinks and a walk-in closet. Outside, enjoy a beautifully landscaped front yard, backyard patio, garden space, and in-ground sprinkler system for easy maintenance. Additional highlights include a high-efficiency gas furnace and tankless water heater for year-round comfort and efficiency. This home offers a wonderful combination of comfort, functionality, and inviting indoor and outdoor living spaces. Welcome home!

708 Courage Court SE, Port Orchard

Listing Broker: Keller Williams Greater 360; Carly McGraw; 360-731-7599; carly@carlymcgrawteam.com

9377 Shale Avenue NW, Silverdale
$405,950
2 Beds ⋅ 3 Baths ⋅ 2599473 MLS ⋅ ACTIVE Status
Welcome to the Aster at Stoneridge, a Lennar community. This three-story townhome features a convenient first-floor flex room, while upstairs on the 2nd floor is an open-concept design to Kitchen, dining and great room. ALL LAMINATE across this floor, All kitchen appliances included, HUGE Pantry. The third floor hosts the luxe owner’s suite and a secondary bedroom. With Lennar’s signature Everything’s Included®, Blinds and all. Enjoy new stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. 3 community parks, basketball court, and walking trails throughout. Close to schools, shopping and Banger base! Move in April 2027! Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

9377 Shale Avenue NW, Silverdale

Listing Broker: Lennar Sales Corp.; Agata Foley; 253-528-8860; agata.foley@lennar.com

4974 Birkin Drive SW, Port Orchard
$589,950
3 Beds ⋅ 2 Baths ⋅ 2599437 MLS ⋅ ACTIVE Status
1- story - Zero stairs on this home and flat driveway! Welcome to the Kenmore at McCormick Trails by Lennar! Live at McCormick to enjoy a vibrant community with parks, trails, a golf course, and future conveniences like shopping and dining just minutes from home. This beautiful, 1-story home is located on a large homesite equipped with a spacious backyard. Inside, a spacious entryway that welcomes you in leading you to an open concept design between the kitchen, dining area and great room. The kitchen features a generously-sized island and spacious pantry. Sliding glass doors lead you to an expansive 43' backyard. The owner's suite features a large walk-in shower and walk-in closet. Two additional bedrooms and a versatile bonus space with a double door entry complete the home. With Lennar’s signature Everything’s Included®, you’ll find stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation. Move in November!! Ask about our special financing!

4974 Birkin Drive SW, Port Orchard

Listing Broker: Lennar Sales Corp.; Sarah Carr; 253-528-8860; Sarah.r.carr@lennar.com

4246 SW Loften Street, Port Orchard
$560,950
4 Beds ⋅ 3 Baths ⋅ 2599432 MLS ⋅ ACTIVE Status
Live at McCormick to enjoy a vibrant community with parks, trails, a golf course, and future conveniences like shopping and dining just minutes from home. The Hazelwood is a beautifully designed two-story home featuring an open concept main level where the Great Room, kitchen, and dining area flow together. Large sliding glass doors lead to a covered patio that naturally extends the living space for effortless indoor/outdoor entertaining. Upstairs, a versatile bonus room is surrounded by all four bedrooms, including the elegant owner’s suite with a spacious bedroom, spa-inspired bathroom, and walk-in closet. Buyer's broker must be registered during customers first interaction with Lennar Associate to be eligible for compensation.

4246 SW Loften Street, Port Orchard

Listing Broker: Lennar Sales Corp.; Agata Foley; 253-528-8860; agata.foley@lennar.com

1924 NE Virginia Street, Bremerton
$399,999
3 Beds ⋅ 1 Baths ⋅ 2599072 MLS ⋅ ACTIVE Status
Charming 3-bedroom, 1-bath home on a quiet street in Bremerton's desirable East Bremerton - Forest Park neighborhood! Offering 1,349 square feet of living space, this solid 1953 home combines classic craftsmanship with valuable modern improvements. Major upgrades include a brand-new septic system, new electrical panel, newer roof, and vinyl windows, taking care of some of the big-ticket items! A spacious bonus room provides the perfect setting for a media room, home office, or additional living space. Outside, enjoy a fully fenced yard, generous carport, and additional storage for tools, hobbies, or projects. Built with quality materials and thoughtfully improved over the years, this home offers a strong foundation with opportunities to add your own personal touches. Whether you're looking for a place to call home or an investment opportunity, this East Bremerton charmer delivers lasting value, flexibility, and room to make it your own!

1924 NE Virginia Street, Bremerton

Listing Broker: Paramount Real Estate Group; Carla Crawford; 360-621-5355; Carla@WeisHomes.com

12059 N Madison Avenue NE, Bainbridge Island
$650,000
2 Beds ⋅ 2 Baths ⋅ 2593834 MLS ⋅ ACTIVE Status
Fall in love with this adorable red cabin surrounded by woodland privacy with room to grow on Bainbridge Island. Tucked back from the street on just over a third of an acre, this single-level cabin has 2 bedrooms, 1.75 baths, and 1,311 square feet of vintage charm with many practical updates. A new septic system installed this fall is approved for 3 bedrooms, giving you the option to expand. The primary bedroom features a large walk-in closet, its own ensuite bath, and French doors that open to the back deck. The sunroom doubles as a mudroom, providing a useful staging area before entering the kitchen, which flows to the living room. Outside, new sod and mature landscaping create a peaceful, private natural setting, with a welcoming front porch, a spacious back deck, and a chicken coop to round out the pastoral setting. Parking is easy, with a covered 2-car carport plus off-street driveway parking for additional vehicles. The location sits mid-island, which provides good access to the north- to the Agate Pass bridge, and to the south- to darling downtown Winslow and the Bainbridge–Seattle ferry terminal. Located minutes from Halilts Elementary, Fay Bainbridge Park, and the restaurants and shops of Rolling Bay – this is a rare opportunity to own a home on Bainbridge Island. Bring your creativity and make it yours.

12059 N Madison Avenue NE, Bainbridge Island

Listing Broker: Paramount Real Estate Group; Betsy Schairer; 206-459-9916; betsy@paramountre.team

9480 Gravelly Lane SW, Port Orchard
$699,777
3 Beds ⋅ 2 Baths ⋅ 2597977 MLS ⋅ ACTIVE Status
At dusk the firs around this place go black against a violet sky, and the porch lights come on at the end of a long gravel drive, one warm window at a time. Behind them sit 1.97 level acres in Port Orchard, a 2008 single-story rambler of 1,823 square feet, and a detached shop waiting across the grass. Step in under the white-columned covered porch and the house opens around you, vaulted ceilings, engineered hardwood floors, and a dining room with a bay window and built-in seat made for watching weather move through the trees. The living room gathers at a gas fireplace set into a floor-to-ceiling wall of wood slats, then flows into the kitchen: stainless appliances, a gas range, a peninsula with bar seating, and a walk-in pantry. Three bedrooms and 1.75 baths in all. The primary suite claims its own corner, vaulted with a high transom, a sliding door to the back patio, a walk-in closet, and a bath with dual sinks and a walk-in shower. A laundry room with built-in lockers and a bench keeps muddy boots by the door. Outside, an attached 2-car garage, the shop, and RV parking leave room for every project, a partially fenced yard wraps the patio, and the pasture rolls out to a tall ring of evergreens on a dead-end road in Kitsap County. No HOA, high-speed internet, and the kind of quiet only acreage gives. Mornings belong to coffee on the porch. Evenings belong to the patio and that long Northwest light. When the sky turns violet again, the porch light will already be on.

9480 Gravelly Lane SW, Port Orchard

Listing Broker: Paramount Real Estate Group; James J Bergstrom; 360-286-5098; jamesber777@gmail.com

4521 Bristol Lane SE, Port Orchard
$537,000
3 Beds ⋅ 3 Baths ⋅ 2596988 MLS ⋅ ACTIVE Status
Welcome home to this inviting 3-bedroom, 2.25-bath home in Port Orchard! Built in 2023, this 2,010 sq ft home features a modern NW Contemporary design, vaulted ceilings, a cozy gas fireplace, and a spacious loft offering flexible living space. The kitchen includes a walk-in pantry, while the primary suite offers a private bath and walk-in closet. Enjoy the fully fenced yard and patio, plus an attached 2-car garage. Conveniently located in the South Kitsap area with easy access to local amenities.

4521 Bristol Lane SE, Port Orchard

Listing Broker: Keller Williams West Sound; Cassidy Hudkins; 360-979-0831; chudkins@kw.com

6079 Ivanoff Lane SW Unit #43, Port Orchard
$519,995
4 Beds ⋅ 3 Baths ⋅ 2598145 MLS ⋅ ACTIVE Status
Last week of Red Tag Sale! Amazing new pricing. Welcome to phase 4 of D.R. Horton's Stetson Heights, our new home community in Port Orchard. Great home site with a generous size backyard. The SHERWOOD has everything you need w/ lots of natural light throughout. 4 bedroom, 2.5 bath w/ all the luxury of a new home. Open entry & spacious hallway leads to your great room. Entertain easily within your kitchen, dining & living space all together. Enjoy the kitchen island, slab quartz counters, lots of storage & large bright windows. Utility room upstairs w/ all 4 bedrooms. Private suite boasts separate bath & walk-in closet. Fully landscaped backyard, Close to championship golf courses. Come view our newly re staged Sherwood model home next to the sales office. Buyers must register their broker on site at first visit including open houses. A/C too! December completion

6079 Ivanoff Lane SW Unit #43, Port Orchard

Listing Broker: D.R. Horton; Justin Sanner; 206-218-5185; jjsanner@drhorton.com

246 NE Max William Loop, Poulsbo
$470,000
3 Beds ⋅ 2 Baths ⋅ 2597542 MLS ⋅ ACTIVE Status
Welcome home to this move-in-ready 3 bedroom, 2 full bath home on a peaceful street in one of Poulsbo’s most desirable neighborhoods. Neighborhood walking trail runs along the eastern border of the yard. Enjoy your morning coffee from the Trex deck with southern exposure so you can catch available sun year round. Fresh paint throughout gives every room a bright, clean feel, so you can unpack and start enjoying your new space right away. Minutes from shopping, waterfront, parks, disc golf course, and downtown Poulsbo. Only 15 minutes drive from Kitsap Naval Base. Buy with confidence: pre-inspection and repairs are completed; report available upon request after showing.

246 NE Max William Loop, Poulsbo

Listing Broker: Ideal Real Estate; Joanne Soderlind; 360-461-7052; joanne@brodybroker.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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