Pacific Homes with USDA Loan Terms

Pacific Homes with USDA Loan Terms

Welcome to Pacific County, located in the beautiful state of Washington, United States. This county offers a unique blend of natural beauty, small-town charm, and a thriving real estate market. If you're looking to buy a home in Pacific County, you'll be pleased to know that there are plenty of options available, including homes with USDA loan terms.

The USDA loan program is designed to help low to moderate-income individuals and families purchase homes in rural areas. Pacific County, with its scenic landscapes and close-knit communities, qualifies as a rural area, making it an ideal location for those interested in utilizing USDA loan terms.

With a USDA loan, prospective homebuyers can enjoy benefits such as low-interest rates, no down payment requirements, and flexible credit guidelines. These favorable terms make homeownership more accessible and affordable for many individuals who may not qualify for traditional mortgage loans.

Whether you're a first-time homebuyer or looking to relocate to Pacific County, the availability of homes with USDA loan terms provides an excellent opportunity to secure your dream home without breaking the bank. From cozy cottages to spacious family homes, Pacific County offers a diverse range of properties to suit every budget and lifestyle.

So, if you're ready to embark on a homeownership journey in Pacific County, explore the options available with USDA loan terms. Take advantage of the natural beauty, friendly communities, and affordable housing options that this county has to offer.

Newest Pacific Homes with USDA Loan Terms

$299,000
3 Beds ⋅ 2 Baths ⋅ 2564177 MLS ⋅ ACTIVE Status
Situated on a desirable corner lot, this charming 1920s home beautifully blends timeless character with everyday comfort. Rich in original craftsmanship, you'll appreciate the beautiful hardwood floors, classic built-ins, and original kitchen cabinetry that showcase the home's historic charm, while updated vinyl windows provide modern efficiency. The spacious primary suite features an attached bathroom, a generous closet, and a versatile loft area perfect for a home office, reading nook, hobby space, or additional storage. A dedicated laundry room opens to a private deck, offering convenient access to the backyard. Outside, enjoy the large, fully fenced yard with plenty of space for gardening, pets, or entertaining. An adorable covered front porch creates the perfect place to relax, while sidewalks surrounding the home enhance its curb appeal. A storage shed provides additional space for tools and equipment, and the single-car carport offers covered parking. Filled with warmth, character, and thoughtful functionality, this classic 1920s home is ready to welcome its next owner.

2101 Henkle Street, Raymond

Listing courtesy of Keller Williams South Sound.

$349,900
4 Beds ⋅ 2 Baths ⋅ 2564172 MLS ⋅ ACTIVE Status
Timeless craftsmanship meets classic Pacific Northwest charm in this 4-bedroom, 1.5-bath Craftsman bungalow perched atop desired Alta Vista Hill, offering sweeping views of the Willapa River & surrounding hills. Original architectural details shine, including beautiful hardwood floors, elegant arched openings, Craftsman-style windows, & an abundance of original built-ins, chests, benches, dressers, & closets that provide exceptional character & storage. The bright breakfast room overlooks the river & opens directly to the covered back deck, creating the perfect space for morning coffee or al fresco dining. The large kitchen features butcher block countertops, Italian tile backsplash, checkerboard linoleum flooring, abundant cabinetry, & a Euro-style stackable washer & dryer. Modern updates include a new electrical system, updated plumbing, updated HVAC with heat pump, new lighting, fresh interior paint, & a beautifully updated main bath with new fixtures, Italian porcelain tile tub/shower surround, & Lifeproof LVT flooring. Separate daylight basement entrance with keypad access leads to abundant storage plus flexible art studio or workshop. Outside, enjoy mature landscaping, garden beds, seating & picnic areas, a covered basement-level patio ideal for gardening, BBQs, or relaxing in the shade. Spacious yet cozy, this one-of-a-kind Craftsman seamlessly blends vintage charm with modern functionality, offering timeless appeal & the opportunity to make it your own.

735 Cowlitz Street E, South Bend

Listing courtesy of Keller Williams South Sound.

$429,000
4 Beds ⋅ 3 Baths ⋅ 2564181 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated home nestled on 3 private acres in the highly desirable Mill Creek area of Raymond. Known for its peaceful setting & sought-after location among locals, this property offers the perfect blend of comfort, modern upgrades, & serene living. A welcoming entry creates the perfect space for guests to settle in, while abundant natural light, & thoughtful updates throughout make this home feel warm & inviting. The spacious kitchen features ample cabinetry, a pantry area, skylight, double oven, & a cozy bay-style dining nook overlooking the peaceful surroundings. A dedicated dining room provides additional space for gatherings & entertaining. The functional floor plan includes 3 bedrooms, an additional full bathroom, & spacious primary suite complete with a private bathroom, large walk-in closet, & direct access to the back deck. The dedicated laundry room offers convenience with an attached 1/2 bathroom. Major updates provide peace of mind, including a new roof on both the home and garage, new well filtration system, new flooring, updated sinks and toilets, a beautifully updated primary shower, new water heater, new furnace, and new insulation under the home. Enjoy the privacy of your own acreage while still being close to Raymond amenities. With its peaceful setting, thoughtful improvements, and welcoming design, this Mill Creek Road property offers a rare opportunity to own a move-in-ready home in one of the area's most desirable locations.

385 Mill Creek Road, Raymond

Listing courtesy of Keller Williams South Sound.

$350,000
2 Beds ⋅ 1 Baths ⋅ 2564178 MLS ⋅ ACTIVE Status
Thoughtful recent updates provide peace of mind for the next owner, with many of the home's major improvements already completed. From the new 30-year composite roof with new plywood sheathing and insulated glass window replacements to refreshed flooring, interior and exterior paint and landscaping. This move-in ready home offers the comfort, safety, & functionality today's buyers are looking for. The home's electrical & plumbing systems were updated throughout in the 1980s, & the detached shop was also constructed during that time, providing added versatility & value. Full of timeless character, this charming home blends original architectural details with modern improvements. Inside, you'll find a spacious living room with a generous seating area, a dedicated dining room, and inviting spaces filled with warmth and charm. The flexible floor plan includes an upstairs retreat with a cozy sitting area and bedroom, while the basement offers an additional bedroom or the perfect space for a home office, business, guest or hobby room. Step outside to enjoy the welcoming covered front porch, complete with covered storage below. The attached garage beneath the home provides convenient parking with direct interior access. Completing the property is an impressive, fully electrified shop offering over 1,000 square feet of workspace with five 30-amp outlets, a 4-inch sewer stub, and recent roof & fascia improvements—ideal for projects, storage, hobbies, or future expansion possibilities.

401 B Street, South Bend

Listing courtesy of Keller Williams South Sound.

$394,000
3 Beds ⋅ 2 Baths ⋅ 2564184 MLS ⋅ ACTIVE Status
Perched on a desirable corner lot in the sought-after Riverview neighborhood, this beautifully remodeled 3-bedroom, 1.75-bath home combines modern style with exceptional functionality. Inside, you'll find luxury vinyl plank flooring, recessed lighting, and an open- concept living space designed for everyday living and entertaining. The stunning kitchen features brand-new stainless steel appliances, bar seating, and flows seamlessly into the dining area with a sliding glass door leading to the private backyard. The spacious primary suite offers its own sliding door to the outdoor deck, a generous closet, and a beautifully updated 3/4 bath with a spa-like walk-in shower. A thoughtfully designed laundry room includes a like brand-new washer and dryer set. Outside, enjoy pristine mature landscaping, a fully fenced backyard, and a large deck that creates a peaceful, private retreat. The attached garage provides everyday convenience, while the detached shop is a dream workspace with a concrete floor, abundant natural light, built- in shelving, expansive work areas, and a storage loft. Access the shop directly from the backyard for added convenience. A truly move-in ready home in one of the area's most desirable neighborhoods.

706 Bradford Street, Raymond

Listing courtesy of Keller Williams South Sound.

$289,000
3 Beds ⋅ 1 Baths ⋅ 2563486 MLS ⋅ ACTIVE Status
Situated on a spacious lot at the end of a quiet dead-end street just minutes from downtown Raymond, this well-maintained 3-bedroom home offers the perfect blend of comfort, functionality, and outdoor living. Unwind on the covered patio with a charming bench swing, an ideal spot to enjoy your morning coffee or relax at the end of the day. Inside, you'll find a functional layout with thoughtful updates completed in 2015, along with an efficient ductless heating and A/C system to keep you comfortable year-round. Outside, the property truly shines with a level 24' x 24' concrete pad complete with power, ready for your dream hot tub or other outdoor projects. The fenced backyard provides a great space for pets while still leaving plenty of room for gardening, entertaining, or play. Downstairs, the partially finished basement offers a flexible workspace with the potential to be converted into a garage if desired. For outdoor enthusiasts, you'll love the nearby walking and biking trail that leads directly into town. Offering a peaceful setting, and a convenient location close to local amenities, this property is the perfect place to enjoy the best of both privacy and accessibility.

613 Cherry Street, Raymond

Listing courtesy of Keller Williams South Sound.

$515,000
3 Beds ⋅ 3 Baths ⋅ 2560343 MLS ⋅ ACTIVE Status
Welcome to your new coastal retreat! This 2009-built home balances seaside charm with strong investment potential. Step inside to the light, bright, and airy open-concept floor plan that was created for effortless gathering. The living space features a cozy pellet stove, ideal for warming up after an afternoon in the cool coastal air. Throughout the home, playful and intentional beachy details like the classic beadboard, whimsical pirate ship chandelier and the seashell cabinet pulls all add character to the space. The primary bedroom serves as a true sanctuary, anchored by an oversized bay window that floods the space with natural light. The sprawling layout includes a walk-in closet and an impressive ensuite bathroom. Indulge in the private spa experience, complete with a soothing jetted tub, double vanity and custom tile work in the walk-in shower. Outside, the oversized 10,000 sf R3-Resort zoned property is fully equipped for vehicles and outdoor adventurers alike, boasting a spacious two-car attached garage for your beach gear alongside full R.V. hookups. Perfectly positioned for exploring, this incredible coastal home rests just a short walk away from the town of Ocean Park, with a great beach trail located right at the end of the road.

1403 253rd Place, Ocean Park

Listing courtesy of Realty One Group Pacifica.

$210,000
2 Beds ⋅ 2 Baths ⋅ 2561149 MLS ⋅ ACTIVE Status
Offered for the first time in over a century, this charming 1914 cottage-style home has remained in the same family since it was built. This family legacy property showcases many of its original architectural details, including the original doors, windows, hardwood floors, trim, and built-in cabinetry that have been preserved for generations. Inside, you'll find a warm and inviting living room centered around a wood-burning fireplace, 2 quaint bedrooms, an updated Jack and Jill 3/4 bathroom w/ ceramic tile, and a charming kitchen featuring its original farmhouse sink and a dedicated dining area. Additional main-level spaces include a spacious walk-in closet, convenient mud room, and a welcoming back porch with a foyer entrance. The partially finished basement expands the home's possibilities with a second wood-burning fireplace, full bathroom, laundry hookups, abundant storage space, and workbench. Enjoy seasonal bay and river views from this rare double-lot property, offering a peaceful wooded setting with fruit trees, garden space, outdoor firepit and driveway parking. In addition to its historic charm, the home received a new roof in 2025 and features electrical and plumbing updates throughout. Escape the hustle and bustle of everyday life and discover the slower pace of life on Eklund Park Hill, a place where you can relax, reconnect with nature, and create lasting memories in a home rich with history and character.

1197 Prospect Avenue, Raymond

Listing courtesy of Spivey Realty Group, LLC.

$315,000
3 Beds ⋅ 2 Baths ⋅ 2562866 MLS ⋅ ACTIVE Status
Welcome to this completely updated and remodeled 3-bedroom, 2-bath home in the desirable Sunset Sands community! Cute as a button and move-in ready, this charming property combines modern updates with the comfort and character you've been searching for. Step inside to discover a bright, inviting interior featuring refreshed finishes throughout, creating a warm and welcoming place to call home. Enjoy outdoor living with both a spacious front deck and a large back deck, offering plenty of room for morning coffee, entertaining guests, summer barbecues, or simply relaxing while enjoying the peaceful surroundings. Whether you're looking for a full-time residence, vacation getaway, or investment property, this home offers versatility and exceptional value. Sunset Sands residents enjoy access to a private community clubhouse, perfect for gatherings and neighborhood events, along with access to beautiful Loomis Lake for kayaking, fishing, or simply taking in the natural beauty of the area. Low HOA dues help maintain these desirable community amenities while keeping ownership affordable. Conveniently located near ocean beaches, shopping, dining, and recreational opportunities, this beautifully remodeled home is ready for its next owner. Don't miss your opportunity to own this turnkey gem in one of the peninsula's most sought-after communities!

2704 224th Street, Ocean Park

Listing courtesy of RealtyONEGroup Discovery Coast.

$389,000
2 Beds ⋅ 2 Baths ⋅ 2562117 MLS ⋅ ACTIVE Status
Located on the West Side with Beach access nearby. This 2 bedroom 2 bath home was built in 2018 with beautiful upgraded cabinets, has been lightly lived in and has been meticulously maintained. The large yard is fully fenced with drive through gate. Plenty of room to park an RV. The detached one car garage is oversized with work and storage space. Located just over a half mile north of Ocean Park, you have easy access to grocery stores, pharmacy and restaurants. From forest bathing to barefoot strolls on the beach, the Long Beach Peninsula is a wonderful area to enjoy hiking, biking, festivals, a vibrant arts community and utter coastal charm with magnificent sunrises and sunsets.

27305 Vernon Avenue, Ocean Park

Listing courtesy of Anchor Realty.

$599,000
4 Beds ⋅ 3 Baths ⋅ 2560806 MLS ⋅ ACTIVE Status
Beach life meets country living on nearly 2.5 acres! Perfectly positioned between the Pacific Ocean and Willapa Bay, this rare property offers endless possibilities. Bring your horses, livestock, or hobby farm dreams to life—or explore the potential to live on one parcel while selling the attached 1.04-acre lot. Inside, you'll find a spacious 4-bedroom, 2.75-bath home designed for comfortable living. The open kitchen flows seamlessly into the bright dining area, while the inviting family room with a cozy wood-burning stove is the perfect place to gather. A large utility room, walk-in pantry, and abundant storage provide everyday convenience. The oversized primary suite is a true retreat, offering enough space for a king-sized bed plus a private sitting area or home office. With your own well and septic, you'll enjoy lower monthly utility costs and the independence that comes with country living. Wake up to fresh ocean air, spend your days exploring nearby beaches and Willapa Bay, then come home to the peace and privacy of your own acreage. Whether you're seeking room to roam, space for animals, investment potential, or the ultimate Pacific Northwest lifestyle, this exceptional property truly has it all. Call for a tour today!!!

20003 Sandridge Road, Long Beach

Listing courtesy of RE/MAX Premier Group.

$319,000
1 Beds ⋅ 1 Baths ⋅ 2558769 MLS ⋅ ACTIVE Status
Nestled in the trees on 3 lots, this adorable cottage is perfect for a beach get-away or for full-time living. This one bedroom with a large full bath and loft-bunk room has beautiful wood beamed cathedral ceilings, fully equipped kitchen and wood stove. The oversized one car garage is large enough for a full-sized truck and storage. Laundry is at the back of the garage. The amazing wood beamed ceiling continues into the garage so potentially adding to the footprint of the house. The house is centered on the property, so the north lot has possibility of structure such as an additional garage. A large shed is on the north lot. The south lot includes the house two-bedroom septic. All appliances in kitchen and washer/dryer, refrigerator in garage come with the house. All three lots have lush foliage, beautiful, mature Rhododendrons. Truly a park like setting with privacy. Short drive to the beach, Willapa Bay, shopping, eateries and Surfside Golf Course. This property is a part of Surfside Estates which includes water, trash compactor, RV dump stations, road maintenance common areas. Coastal living at its best.

32216 R Place, Ocean Park

Listing courtesy of RE/MAX Excellence.

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