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

$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.

$514,950
3 Beds ⋅ 2 Baths ⋅ 2564691 MLS ⋅ ACTIVE Status
Versatile property on 2.5 private acres! In addition to the beautifully maintained 3-bedroom, 2-bath single-level home, you'll find a detached outbuilding featuring a loft, bathroom, and kitchenette—ideal for hobbies, guests, a home office, or flexible living space. Inside, enjoy separate living and family rooms plus a formal dining room. Outside, relax among mature landscaping, a stocked pond with a fountain, raised garden beds, expansive front and back decks, RV parking, and a detached 2-car garage. Tucked away at the end of a dead-end road, yet just minutes from shopping and highway access.

1832 SW Cozy Lane, Port Orchard

Listing courtesy of John L. Scott, Inc..

$499,777
4 Beds ⋅ 2 Baths ⋅ 2560409 MLS ⋅ ACTIVE Status
Welcome to this inviting home, an excellent opportunity for homebuyers seeking space, comfort, and versatility. Offering over 2,050 sq ft. This residence features four bedrooms, two generous family rooms, and a two-car garage, providing room to grow and enjoy. The upper level offers a bright living area that flows from a well-appointed kitchen with ample cabinetry and all appliances included. Three bedrooms, a full bathroom, and access to a private deck overlooking the backyard complete this level. The lower level adds valuable flexibility with a spacious family room warmed by a wood stove, an additional bedroom, a full bathroom, and the utility room perfect for guests, hobbies, or a separate retreat. Situated on a .21-acre corner lot, the property provides abundant outdoor space for gatherings, gardening, play, and additional parking. This location also provides easy access to the base, ferries, shopping, and more, making daily life and commuting exceptionally convenient. A wonderful home to begin your homeownership journey, offering practicality, comfort, and room for every season of life.

2795 NE John Carlson Road, Bremerton

Listing courtesy of Paramount Real Estate Group.

$484,777
3 Beds ⋅ 2 Baths ⋅ 2564659 MLS ⋅ ACTIVE Status
Morning comes in low across new floors here, and by the time the coffee is poured this remodeled 1967 single level rambler in Port Orchard's Parkwood has already gone warm. New kitchen, new flooring, fresh paint, new fixtures, and a roof barely a year old. Three bedrooms, 1.5 baths, and 1,318 square feet arranged the way people actually live, with a wood burning fireplace anchoring the living room for the long gray stretch of a Kitsap County winter. The kitchen is brand new down to the hardware, appliances included, with an easy line to the dining room and a sliding glass door that opens onto a fully fenced .27 acre. Level ground. Garden beds. A patio for the first warm evening in May, and green fairway rolling out past the fence line. The golf course sits directly across the street, driving range and all, close enough that an early tee time is a matter of crossing Madrona. The primary bedroom has its own bath off the room, and the whole house sits on one floor, no stairs between you and any of it. Ceiling fans for a still August afternoon, double pane windows for January, natural gas forced air in between. The 482 square foot attached garage takes two, the driveway takes four more, and there is dedicated RV parking for the boat or the trailer you have been meaning to buy. Sewer connected, high speed internet, and no HOA to answer to. Nearly six decades of good bones underneath, and a fresh start over the top of them. Pull into the driveway and let the light do the rest.

3850 Madrona Drive SE, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$485,000
3 Beds ⋅ 2 Baths ⋅ 2558258 MLS ⋅ ACTIVE Status
Like new and beautifully remodeled throughout, this inviting 3-bedroom, 1.5-bath split-entry home is tucked away on a quiet cul-de-sac and set on a partially wooded lot, offering both privacy and convenience. The bright living room features a charming bay window with decorative grids, while the fully equipped kitchen shines with crisp white cabinetry, soft-close drawers, and modern finishes that make everyday living a pleasure. The lower level offers a spacious family room centered around a certified wood stove, a separate laundry room, and the comfort and efficiency of (3) three ductless heat pumps for year-round climate control. Step outside to a fully fenced backyard complete with fruit trees, creating the perfect setting for gardening, pets, play, or entertainment.A detached 10' x 16' storage building provides exceptional flexibility as a workshop, hobby space, studio, or additional storage. Move-in ready and thoughtfully updated from top to bottom, this home is the perfect blend of modern comfort, functionality, and peaceful cul-de-sac living.

4042 Chinook Place NW, Bremerton

Listing courtesy of John L. Scott, Inc..

$449,000
2 Beds ⋅ 2 Baths ⋅ 2563852 MLS ⋅ ACTIVE Status
Are you looking to downsize but still love working in the garden? Or maybe you work in the city and want to feel like you live in the country? Or perhaps you’re an artist and want to surround yourself with inspiration. Or maybe you’re a first-time homebuyer, and you just want it all. This newly renovated treasure is packed with all the charm and character of yesteryear, and brilliantly finished with modern, yet timeless, updates. Plus, all the important stuff – new roof, new septic, new hot water tank, new HVAC, new carpet & tile, new woodstove insert, new electric fireplace, new doors, and fresh paint inside & out! All on a spectacular 2.45 acres – with a huge, fenced yard, beautiful gardens, fruit trees, large, detached garage, plus room for RV parking! No HOA! Close to Manchester Park and only minutes to Southworth Ferry. Come see it today!

3338 Banner Road SE, Port Orchard

Listing courtesy of eXp Realty.

$537,777
3 Beds ⋅ 3 Baths ⋅ 2564259 MLS ⋅ ACTIVE Status
Beautiful home on a quaint, dead-end street in Central Kitsap! Style meets everyday comfort in this 3 bedroom + den, 2.5 bath home, with soaring ceilings, and an abundance of natural light. Well-designed floorplan features open concept living room and dining room, with effortless flow into the kitchen, complete with SS appliances (including gas stove), and refreshed wood cabinetry. Downstairs den creates a flexible space for home office or second living room. Upstairs is complete with 3 bedrooms, including the light and bright Primary Suite, with convenient en-suite bathroom and spacious walk-in closet. Second bedroom features an adorable extended space, perfect for an inviting reading nook or movie room. The two-car garage offers extra tall ceilings; creating the perfect opportunity for extra storage space. Welcoming backyard on this almost 1/3 acre lot, which backs up to a greenbelt for added privacy, while offering the ideal space for outside entertaining. No HOA so bring your boat or RV! Easy commute to area bases and highways!

7307 Morning View Avenue NE, Bremerton

Listing courtesy of Keller Williams Greater 360.

$719,950
3 Beds ⋅ 3 Baths ⋅ 2563520 MLS ⋅ ACTIVE Status
Pristine home in the highly sought-after Woodbridge community! Light, bright & beautifully maintained, this 2,756 sq ft Southwest-facing home blends designer finishes, an exceptional floor plan & Olympic Mountain/Dyes Inlet views. A dramatic entry welcomes you into the spacious open-concept main level, designed for comfortable everyday living and effortless entertaining. The gourmet kitchen is the heart of the home, featuring quartz countertops, stainless steel appliances, a gas range, extensive cabinetry, generous workspace and an oversized entertainer’s island with abundant seating. An open flex room just off the kitchen is currently staged as an office and offers endless possibilities. The adjoining great room is anchored by a sleek gas fireplace and opens to a covered, elevated deck where you can relax and enjoy the views. Upstairs, a large loft provides additional flexible living space. The spacious primary retreat features a custom-designed walk-in closet and luxurious five-piece en-suite with dual sinks, soaking tub & separate shower. Two additional bedrooms, full bath & convenient upstairs laundry complete the upper level. Enjoy year-round outdoor living in the private, fully fenced, extensively hardscaped & terraced backyard with fruit trees and a covered patio. Directly across from the neighborhood park and close to community trails, playgrounds & dog park. Central Kitsap School District, minutes from shopping, hospitals, Clear Creek Trail, Military Bases and more!

2114 NW Rustling Fir Lane, Silverdale

Listing courtesy of John L. Scott, Inc..

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