Whatcom Homes with Farm Home Loan Terms

Whatcom Homes with Farm Home Loan Terms

Located in the beautiful state of Washington, Whatcom County offers a unique blend of natural beauty and urban amenities. Situated in the northwestern part of the state, Whatcom County is bordered by the Canadian province of British Columbia to the north and the stunning waters of the Salish Sea to the west. This county is a part of the United States, making it an ideal place to settle down and enjoy the best of both worlds.

Whatcom County is known for its diverse landscapes, ranging from picturesque coastal areas to lush farmlands and majestic mountains. The county seat, Bellingham, is a vibrant city that offers a thriving arts and culture scene, delicious local cuisine, and a bustling downtown area. Outdoor enthusiasts will find plenty of opportunities for hiking, biking, fishing, and boating in the surrounding areas.

One notable feature of Whatcom County is the availability of homes with farm home loan terms. For those looking to embrace a rural lifestyle or start their own agricultural venture, these homes offer the perfect opportunity. With farm home loan terms, aspiring farmers and ranchers can secure financing that is tailored to their unique needs, allowing them to purchase a property that includes ample land for farming or raising livestock.

Whether you're seeking a peaceful rural retreat or a vibrant city lifestyle, Whatcom County has something to offer everyone. With its stunning natural beauty, friendly communities, and diverse real estate options, this county is a fantastic place to call home.

Newest Whatcom Homes with Farm Home Loan Terms

$650,000
5 Beds ⋅ 2 Baths ⋅ 2540616 MLS ⋅ ACTIVE Status
Are you looking for a place with some acreage and a home with room to grow in? This three acre rare 5 bdr, 1.75 bath home in the foothills east of Everson is part of a rural community near the former Cloud Mountain Farm. It has been remodeled and updated over time, including newer insulated windows. The roof was just inspected and cleaned, new gutters and a new stove/range & dryer were just installed. Other appliances are also newer. There is a private well and underground water reservoir by the barn & a water treatment system. Plus water from a shared well on the uphill neighbors land. The 5 bdr septic system was recently inspected & repaired with animals fenced out. The Assessor's data shows 2326 sq. ft. and Realist says it's 2700 sq. ft. The attached single garage was used as a workshop. The small barn has a big finished room upstairs. Note the 2500 gallon rain catchment reservoir and EV charger and solar panels connected to the barn. The gentle hillside pasture is fenced and “goat-proofed.” Enjoy the coop for chickens & ducks and gardening with established fruit trees, green house and composting area, and a fenced and screened asparagus garden that’s producing nicely. Recently inspected with many recommended updates completed & satisfactory water test. Buyer to confirm new EV power subscription & PSE solar contract, & Buyer to complete water adjudication application due in 2027. Sold as-is with many useful farm tools and supplies and good neighbors included.

3825 Cabrant Road, Everson

Listing courtesy of RE/MAX Whatcom County, Inc..

$1,048,000
2 Beds ⋅ 1 Baths ⋅ 2563875 MLS ⋅ ACTIVE Status
Blue Gate Farm offers a rare opportunity to own a thoughtfully designed equestrian facility on more than 35 private acres. Perfectly appointed for the Pacific Northwest, the property places extensive equestrian infrastructure under one roof for efficient, year-round use. At the center is a 70'x150' covered indoor arena with an attached nine-stall barn with gravel runs, dedicated tack room, office, hot-water wash rack, shavings bunker, equipment parking, generous hay storage, and a 50'x50' round pen. Outside, three all weather paddocks with custom-built run-in sheds provide practical, low-maintenance turnout. Private riding and walking trails across approximately 16 wooded acres with nine acres of cross-fenced pasture allowing for ample grazing and rotation, while an additional nine acres are planted in seeded hay. A two-bedroom, three-quarter-bath shophouse residence offers comfortable on-site living with flexibility to expand or further customize. Situated across three tax parcels with expansive territorial views, Blue Gate Farms delivers the privacy and space of a rural equestrian property while remaining conveniently located near surrounding communities and services—an ideal setting for a private farm, training program, boarding operation, or thriving equestrian business.

3086 Standard Road, Deming

Listing courtesy of Coastal Realty.

$379,500
3 Beds ⋅ 2 Baths ⋅ 2560339 MLS ⋅ ACTIVE Status
Perched high above Birch Bay Village, south facing on the corner of a quiet street, this charming stick-built home offers privacy, an efficient layout, and beautiful views toward Point Whitehorn, Strait of Georgia and the San Juan Islands. Conveniently located near Birch Bay, beaches, shopping, and everyday amenities, the property works well as a primary residence, second home, or investment rental with strong cash-flow potential. The home features an open floor plan, three bedrooms, and a low-maintenance slab foundation. The primary bedroom includes a private bathroom, while the utility room also incorporates a convenient three-quarter bath. Two decks provide great outdoor spaces to relax and take in the surrounding views. Outside, you'll find a carport with an attached utility/storage shed, along with additional space for parking, expansion, or a future shop. The property may also offer ADU potential for additional living space or rental income. Well maintained and in good condition, this is a versatile Birch Bay property with plenty of possibilities. Vacant and move in ready!

8404 Treevue Road, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$1,048,000
2 Beds ⋅ 1 Baths ⋅ 2561072 MLS ⋅ ACTIVE Status
Blue Gate Farm offers a rare opportunity to own a thoughtfully designed equestrian facility on more than 35 private acres. Perfectly appointed for the Pacific Northwest, the property places extensive equestrian infrastructure under one roof for efficient, year-round use. At the center is a 70'x150' covered indoor arena with an attached nine-stall barn with gravel runs, dedicated tack room, office, hot-water wash rack, shavings bunker, equipment parking, generous hay storage, and a 50'x50' round pen. Outside, three all weather paddocks with custom-built run-in sheds provide practical, low-maintenance turnout. Private riding and walking trails across approximately 16 wooded acres with nine acres of cross-fenced pasture allowing for ample grazing and rotation, while an additional nine acres are planted in seeded hay. A two-bedroom, three-quarter-bath shophouse residence offers comfortable on-site living with flexibility to expand or further customize. Situated across three tax parcels with expansive territorial views, Blue Gate Farms delivers the privacy and space of a rural equestrian property while remaining conveniently located near surrounding communities and services—an ideal setting for a private farm, training program, boarding operation, or thriving equestrian business.

3086 Standard Road, Deming

Listing courtesy of Coastal Realty.

$455,000
2 Beds ⋅ 1 Baths ⋅ 2562368 MLS ⋅ ACTIVE Status
Irresistible charm, modern comfort, and an unbeatable location—this Lynden classic is a rare, affordable find! Nestled on a peaceful street, this mid-century home featuring 2 bedrooms, 1 bathroom, and 1,011 sq. ft. is brimming with character and warmth. Large, south-facing bay windows fill the living spaces with natural light, while built-in A/C and a tankless water heater offer efficiency and comfort year-round. Out back, your private outdoor oasis awaits: a spacious, fully fenced backyard equipped with an in-ground sprinkler system and garden beds, offering ample room for entertaining and play, and complete with an 8’x10’ storage shed for all your tools and toys.

1712 D Street, Lynden

Listing courtesy of Windermere RE Whatcom, Inc..

$899,900
4 Beds ⋅ 6 Baths ⋅ 2560322 MLS ⋅ ACTIVE Status
Beautifully restored 1900 Victorian estate lovingly & meticulously renovated over a decade. This one-of-a-kind property is just waiting to be discovered. Major improvements include updated electrical & plumbing, high-efficiency Navien on-demand water heater, two gas furnaces, a jetted spa-like tub, premium Toto toilets, modern foundation, CertainTeed Presidential roof, and newly installed front privacy fence. EACH BEDROOM HAS ITS OWN ENSUITE BATHROOM making the home well suited for multi-generational living, extended guests, hospitality use, or private retreats. The LEVEL ACREAGE has plenty of space to build a barn, shop, or ADU etc. Opportunity to upgrade septic capacity by 50% with county approval, allowing for 2 additional bedrooms giving INSTANT EQUITY and increasing the home to 6 bedrooms total! Zoning allows for a range of conditional uses such as a B&B, Boutique Hospitality Venture, Retreat Center, Educational Facility, Religious Organization, Daycare/care Facility, Nursery or Greenhouse Operation, Hobby Farm, Homestead, Home-based Business; the possibilities are endless. Located less than 20 mins to Bellingham International Airport & downtown, ~1 hour to Vancouver, BC, and ~90 mins to Seattle. OWNER FINANCING AVAILABLE! Inspection report and septic report available upon request. Over $1,000 worth of period-appropriate wallpaper and giant antique armoire upstairs goes with the sale. Buyer to verify all information.

1371 W Axton Road, Ferndale

Listing courtesy of Sterling Real Estate Group.

$669,000
3 Beds ⋅ 2 Baths ⋅ 2559072 MLS ⋅ ACTIVE Status
Welcome to Hawks Landing! Built in 2024, this like-new home offers the perfect combination of modern design, quality finishes, and comfortable living. Featuring 3 bedrooms, 2 bathrooms, a versatile bonus room, and 2,181 square feet, this thoughtfully designed home provides flexible space for everyday living, working from home, or entertaining. The open-concept great room showcases soaring vaulted ceilings, a cozy gas fireplace, quartz countertops, stainless steel appliances, and a spacious island that seamlessly connects the kitchen, dining, and living areas. Step outside to the covered patio and enjoy the private backyard, perfect for year-round outdoor living. The primary suite is thoughtfully situated on its own side of the home, creating a peaceful retreat complete with dual vanities, a soaking tub, separate shower, and generous walk-in closet. Two additional bedrooms and the bonus room provide plenty of space for guests, hobbies, or a home office. Located in the desirable Hawks Landing community, you’ll enjoy the tranquility of country living while being just 15 minutes from Bellingham, Lynden, and Nooksack. Why wait for new construction when you can move right into this beautifully finished, like-new home?

1110 Night Hawk Way, Everson

Listing courtesy of Windermere RE Whatcom, Inc..

$457,000
2552742 MLS ⋅ ACTIVE Status
44.14 Aac. with 8 ac. Waterfront! Amazing Bay and Mt Baker views from parts of the property. Large flat yard, with trees, riding and walking trails. 8 ac of your own private beach! Additional 85.79 acres abutting on the west side for sale $650,000. 130 acres of land available.

3555 xx Lummi Shore Road, Bellingham

Listing courtesy of eXp Realty.

$4,900,000
2551087 MLS ⋅ ACTIVE Status
A substantial berry farm in Northwest Washington with the scale, water, and infrastructure serious agricultural buyers look for. Set on 94.13 acres in Deming, 5210 Strand Rd is planted with Duke, Reka, Bluejay, and Bluecrop blueberries and supported by water rights, irrigation equipment, and a large pole building. This is not simply rural acreage. It is an agricultural platform. The land, crop base, water access, and included equipment package create a meaningful foundation for a buyer who understands farming, operations, and long-term land value. With a full-price offer, seller intends to include two blueberry harvesters, two tractors, and irrigation equipment, giving the next owner important tools to assess and operate the property from day one. For the right buyer, this property offers more than production potential. It offers control of a significant landholding in a proven agricultural region, with the infrastructure and physical presence of a farm that can be evaluated, improved, and stewarded over time. Buyer to verify all information, including acreage, crop condition, water rights, equipment, zoning, and intended use.

5210 Strand, Deming

Listing courtesy of Keller Williams Western Realty.

$1,139,999
3 Beds ⋅ 3 Baths ⋅ 2549134 MLS ⋅ ACTIVE Status
Rare opportunity to own a private equestrian retreat on nearly 5 fully fenced acres with stunning Mount Baker views! Tucked behind a gated entrance at the end of a quiet private road, this exceptional property offers the perfect blend of peaceful country living and functional horse amenities. Featuring a 7,500 sq ft outdoor riding arena, multiple stalls with runs, tack room, inside stalls, and a large two-car shop, this property is ready for horses, hobbies, and more. The spacious main home includes 3 bedrooms + office and 3 bathrooms, while the attached 1 bed, 1 bath ADU suite with separate entrance and garage offers excellent flexibility for guests, multigenerational living, or rental income. A truly one-of-a-kind property with space, privacy, and endless possibilities.

7037 Yukon Way, Ferndale

Listing courtesy of Keller Williams Western Realty.

$299,900
2548359 MLS ⋅ ACTIVE Status
Build your dream estate on this stunning 8.88-acre parcel above the Sumas Valley. With power and water on site and a water share included, this property offers an exceptional opportunity to create a private retreat amid sweeping mountain and territorial views. Lightly treed and partially cleared with a premier homesite, it’s tucked at the end of a quiet dead-end road, just minutes from town and the Canadian border. An ideal setting for a custom home with space to breathe.

4135 Kamphouse Drive, Sumas

Listing courtesy of Petz Real Estate.

$945,725
3 Beds ⋅ 3 Baths ⋅ 2548087 MLS ⋅ ACTIVE Status
Seeing is believing--this is a must-see home. The property offers 2374 sq. ft. of thoughtfully designed living space on 4.88 acres, making it eligible for an ADU. Recent upgrades include a new roof and a tankless hot water system that also provides radiant floor heating--perfect for chilly mornings. A new Trex deck spans the entire north side of the home, with direct access from both primary bedrooms. The home is equipped with a four mini-split system for efficient heating and cooling, along with ceiling fans in several rooms for added comfort and airflow. The all-electric kitchen features quartz countertops and hickory cabinets. Additional highlights include a cozy library with built-in bookshelves and an electric fireplace. The sale includes a large safe and a 60 inch zero-turn lawn mower. A spacious 40x60 insulated shop, complete with a restroom, shower, and large sink, offers ample room for projects, storage, or workspace. This home has been pre-inspected. The crawl space beneath is 7 feet tall.

2700 Brown Road, Ferndale

Listing courtesy of Weichert Realtors Vanson Assoc.

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