Bainbridge Island Homes with VA Loan Terms

Bainbridge Island Homes with VA Loan Terms

Welcome to Bainbridge Island, a charming and picturesque community located in Kitsap County, Washington. This island city is a true gem of the Pacific Northwest, offering a unique blend of natural beauty, small-town charm, and a vibrant arts and culture scene.

Bainbridge Island is known for its stunning waterfront properties, lush forests, and panoramic views of the Puget Sound and the Cascade Mountains. Residents enjoy a relaxed island lifestyle while still being just a short ferry ride away from downtown Seattle.

If you're looking to purchase a home on Bainbridge Island with VA loan terms, you're in luck! There are a variety of homes available on the island that qualify for VA loans, making it easier for veterans and active-duty service members to achieve their dream of homeownership in this idyllic location.

Whether you're drawn to the island for its natural beauty, excellent schools, or thriving community, Bainbridge Island offers a little something for everyone. From waterfront estates to cozy cottages in the woods, there's a home on Bainbridge Island to suit every taste and budget.

Come explore all that Bainbridge Island has to offer and find your perfect piece of paradise in the heart of the Pacific Northwest.

Newest Bainbridge Island Homes with VA Loan Terms

$1,895,000
5 Beds ⋅ 4 Baths ⋅ 2561939 MLS ⋅ ACTIVE Status
Wind up the tree-lined driveway and watch the world fall away. Set on 5 private wooded acres, fully fenced and gated, this Bainbridge Island estate feels like your own national park - towering evergreens, dappled light, and total tranquility. Inside, gleaming solid oak hardwoods and rich custom millwork showcase craftsmanship throughout. At the heart of the home, a bright, spacious kitchen with high-end appliances brings everyone together. Downstairs, a main-floor guest suite welcomes visitors, while upstairs offers 4 bedrooms and 2 flexible bonus rooms. The primary suite is a true retreat, with a spa-worthy bath featuring heated floors, glass shower, custom tile, and a deep soaking tub. The grounds are a homesteader's dream: two separate .75-acre pastures with loafing sheds and a chicken coop, ready for goats, hens, or whatever you love to raise. Play pickleball on the sport court, gather at the stone fire pit, relax under the gazebo, or tinker in the 200 sqft insulated shop with power. Then stroll downhill to your deeded beach access on West Port Madison. Year-round comfort comes from a multi-zone heat pump, A/C, and a full-house generator. Standout features include a river-rock fireplace, a wraparound covered porch, and abundant storage. The expansive grounds and storybook setting complete this rare offering of privacy, quality, and elevated Northwest living.

14677 Sivertson Road NE, Bainbridge Island

Listing courtesy of Windermere Real Estate/PSR Inc.

$1,050,000
3 Beds ⋅ 3 Baths ⋅ 2561785 MLS ⋅ ACTIVE Status
Enjoy a landscape of mature trees, sun-filled terraces, and peaceful gathering spaces where every season offers something new to enjoy. Tucked away on nearly an acre of private grounds, with a new herringbone paver driveway, this beautifully updated Bainbridge Island retreat is a place to slow down, entertain, garden, and reconnect with nature. Unlike many island properties, this thoughtfully terraced lot is remarkably usable, creating exceptional space to garden, play, entertain, or simply enjoy the privacy of your own park-like setting. Wide stairways connect each level, inviting you to explore the grounds, gather around the fire pit beneath the gazebo, or dream up your next garden project. RV parking with power adds flexibility for guests, hobbies, or your next adventure. Inside, single floor living and almost every aspect of the home has been updated within the past three years, blending modern comfort with timeless warmth. A stunning new living room with radiant heated floors creates an inviting centerpiece for everyday living. Significant infrastructure improvements—including a new electrical panel and a recently upgraded $30,000 four-party well system—provide peace of mind, while the roof is approximately 10 years old. Perfectly balancing privacy with convenience, you're just moments from Blakely Elementary, neighborhood parks and trails, and all the shopping, dining, and ferry access that make Bainbridge Island such a sought-after place to call home.

5769 Blakely Avenue NE, Bainbridge Island

Listing courtesy of Redfin.

$1,850,000
4 Beds ⋅ 4 Baths ⋅ 2557974 MLS ⋅ ACTIVE Status
Set beside Bainbridge Island’s coveted Rockaway Beach with sweeping water views, this one-of-a-kind residence is built around its scenery. Walls of glass and an open, multi-level layout draw in views of Seattle, Puget Sound, the Cascades, and passing ferries. A sculptural staircase and elevator serve as the home's connective core, channeling daylight through every level and linking the spaces with ease. Outside, the top deck invites slow mornings with coffee and eagle sightings overhead, while Rockaway Beach Park sits just steps away. Watch for porpoises and orcas passing through the Sound, or head down to paddle out to Blakely Rock on a calm afternoon. A private sauna and cold plunge add a spa-like retreat to daily life. The ADU studio and loft, accessible via third floor walkway or via the main courtyard, offers independence and flexibility, ready to serve as a guest suite, hangout, rental, or home office. As evening falls, the Seattle skyline comes alive across the water, a view that changes with every hour of the day. Stellar views, thoughtful design, and a location that speaks for itself, this is ideal Bainbridge Island living.

4089 Rockaway Beach Road NE, Bainbridge Island

Listing courtesy of COMPASS.

$1,468,000
3 Beds ⋅ 3 Baths ⋅ 2558657 MLS ⋅ ACTIVE Status
Well-built, elegant single-story home in Hidden Cove Estates. The home was completely remodeled in by the current owner with Tom Whealdon Construction with include new hardwood floors, kitchen and baths remodeled, and fresh exterior paint. All systems in great condition, with a new roof in 2021 and new HVAC in 2023. The three-bedroom home plus office has a 4-bedroom septic system. A sumptuous primary suite includes room for a sitting area, walk-in closet, and an ensuite bath with radiant heated floors and zero-entry shower. The kitchen, with walk-in pantry, stainless appliances and induction cooktop, flows to breakfast area and large family room with French doors to a patio – perfect for al fresco dining. Attention to detail and meticulous maintenance are on display wherever you look. A spacious two-car garage includes a built-in workbench and finished floor. Outside, find thoughtfully landscaped gardens with something in bloom nearly all year round, and a built-in sprinkler system for easy maintenance. The community features a wooded trail system with a trail that leads to popular Hidden Cove dock on Port Madison Bay.

8387 NE Sumanee Place, Bainbridge Island

Listing courtesy of Windermere RE Bainbridge.

$2,395,000
3 Beds ⋅ 3 Baths ⋅ 2556221 MLS ⋅ ACTIVE Status
Tucked behind a private gate and surrounded by a breathtaking botanical landscape, this exceptional one-level retreat offers a rare combination of modern design, privacy, and endless potential. Lovingly cultivated by a master gardener over many years, the grounds are a living work of art, showcasing an extraordinary collection of rare specimen plants, vibrant year-round color, and mature fruit trees that create a truly magical setting. Inside, soaring ceilings and expansive windows invite natural light while framing a tranquil canopy of evergreens. The immaculate three-bedroom, three-bath residence is thoughtfully designed for effortless everyday living, with clean architectural lines, open gathering spaces, and seamless connections to the surrounding landscape. Beneath the main level, a full-height daylight walk-out level presents an exciting opportunity to significantly expand the home’s living space; whether envisioned as a recreation room, guest suite, home office or exercise space. Step outside to explore private walking trails that wind through the property’s peaceful acreage, offering a level of seclusion that is increasingly difficult to find. Every season reveals something new, from colorful blooms and flowering trees to abundant fruit and ever-changing garden vistas. A rare offering where thoughtful architecture, extraordinary gardens, and remarkable privacy come together to create an estate that feels worlds away, yet remains conveniently close to everything.

13123 Phelps Road NE, Bainbridge Island

Listing courtesy of COMPASS.

$1,950,000
4 Beds ⋅ 3 Baths ⋅ 2555002 MLS ⋅ ACTIVE Status
Finished size of the home and office/studio totals over 3,700 square feet. Gorgeously landscaped and incredibly private, this Bainbridge Island estate offers an idyllic island retreat just minutes from the ferry, top-rated schools, and downtown shopping. A winding, circular driveway introduces the lush grounds, which feature 11 fruit trees, fenced garden beds, expansive lawns, a fire pit, and scenic walking paths. Neighborhood trails intersect with the larger Grand Forest Trail system, and also provide direct, walkable access to the local middle and high schools, with an elementary school situated close by. The gracious farmhouse welcomes you with a classic covered front porch. Inside, the cozy main level boasts oak flooring throughout, a country kitchen anchored by a premium Wolf range and Miele convection oven and microwave. A massive stone fireplace and a tiled propane fire place warm both the living and great rooms. Upstairs, the residence offers a spacious primary suite with a walk-in closet, three additional bedrooms, and a full hall bath. Exceptional detached structures enhance the property, including multiple outbuildings, a flexible office/studio/guest space above the garage, and a heated, finished 16' x 36' shop optimized for a boat or RV, complete with a central vacuum and compressed air system.

8724 NE Laughing Salmon Lane, Bainbridge Island

Listing courtesy of Johansson Clark Real Estate.

$2,950,000
3 Beds ⋅ 2 Baths ⋅ 2551658 MLS ⋅ ACTIVE Status
Perched above Eagle Harbor in one of Bainbridge Island’s most coveted waterfront settings, this extraordinary penthouse residence captures panoramic views of the marina, shoreline, and ever-changing activity on the water. Thoughtfully customized during construction, the home blends refined craftsmanship with timeless design, featuring cathedral ceilings, expansive windows, rich cherry hardwood floors, and a sophisticated palette of stone and natural materials throughout. Designed for both everyday living and entertaining, the open-concept floor plan flows seamlessly from the chef’s kitchen, appointed with Viking appliances, honed granite, and Brazilian soapstone, to elegant living and dining spaces framed by spectacular views. The luxurious primary suite offers direct deck access, a spa-inspired bath, and a front-row seat to the harbor beyond. A rare combination of privacy, luxury, and convenience all in the heart of Winslow. Complete with a two-car garage, media room, and exceptional custom upgrades, this is one of Bainbridge Island’s truly one-of-a-kind waterfront residences.

267 Shannon Drive SE, Bainbridge Island

Listing courtesy of COMPASS.

$648,000
3 Beds ⋅ 2 Baths ⋅ 2544870 MLS ⋅ ACTIVE Status
Lovely, very well cared for home with serene privacy, tucked in a peaceful shy half acre setting located on a private lane. A large wrap-a-round deck is perfect for sharing time with friends. A sweet gazebo allows for a cozy enjoyment outside rain or shine. A generous open great room with vaulted ceilings, 3 bedrooms, 2 bathrooms make this home live larger than expected and accommodates many needs. Nice appliances, Quartz counter tops, two large decks and a firepit makes this little gem a perfect lifestyle home. An added bonus is the location which backs up to City of Bainbridge Island treed open space making a very peaceful backyard setting. Durable cement plank siding has been freshly painted in a cheerful blue! Roof and gutters replaced in 2019. A short stroll to Fletcher Landing Public COBI access adds to the charm! Make this your sweet full-time home, or a perfect weekend get-away from the hustle and bustle of Seattle just a short ferry ride away! This is a great condo alternative and no HOA fees!

8480 Hansen Road NE, Bainbridge Island

Listing courtesy of COMPASS.

$1,299,000
4 Beds ⋅ 3 Baths ⋅ 2546858 MLS ⋅ ACTIVE Status
Tucked away at the end of a quiet dead-end street, this Bainbridge Island property offers a secluded setting situated on a 200,376-square-foot lot, just minutes from the ferry. The primary residence is a 2,400-square-foot, two-story home featuring a cement planked exterior, a southwest-facing orientation, and a deck for taking in the territorial views. The property also includes a partially fenced yard, an attached 2-car garage, and a detached 800-square-foot dwelling with 2 beds and 1 bath. This separate, self-contained living space offers versatile options for guest accommodations or rental income potential. Recent seller updates include new paint, updated hardware, and brand-new gutters. Inside, the home features a blend of engineered hardwood flooring and carpeting. Don't miss out on this absolute gem of a property—come see it for yourself and experience this beautiful island retreat!

10953 N Madison Avenue NE, Bainbridge Island

Listing courtesy of Windermere Real Estate/East.

$1,295,000
3 Beds ⋅ 3 Baths ⋅ 2544340 MLS ⋅ ACTIVE Status
This 1.25 Acre, landscaped gorgeous gem incorporates so many elements of Bainbridge Island's desirable lifestyle. Located in a private setting just south of Fay Bainbridge waterfront park for convenient access to the myriad of enjoyment Puget Sound has to offer. It's an easy commute to the ferries and downtown Winslow shopping, along with a transit bus that stops at your driveway every weekday morning. This immaculate, well maintained upgraded home includes a newer roof, hardwood flooring, and recent interior and exterior painting. There are vaulted ceilings in the living and dining areas, an open oak floor staircase with lots of light, and a cozy family room with a fireplace. The kitchen boasts granite counter tops along with a large center island perfect for entertaining. There is a finished flex space room/studio and the home includes generator. The main level includes a dedicated home office. A paved circular driveway compliments the front entrance while the spacious back yard is complete with a deck, a propane assisted firepit, a dog run, plus two premium out buildings among the garden trails meandering throughout the luscious greenery.

15153 Sunrise Drive NE, Bainbridge Island

Listing courtesy of Johansson Clark Real Estate.

$647,000
2 Beds ⋅ 3 Baths ⋅ 2529841 MLS ⋅ ACTIVE Status
Charm, comfort and easy living come together with this 2 bedroom, 2.5 bath townhome tucked along a tree lined street within the desirable Stonecress Townhomes Community. Warm wood floors flow throughout the ground floor where an inviting open-concept layout features an inviting kitchen with maple cabinets and deep counters and a propane-fired stove creates a bright and cozy living space ideal for everyday life and entertaining. Thoughtfully designed for convenience and privacy, this unit also features front and rear decks, pantry, spacious closet off the living area, carpeted staircase and two bedrooms with generous closets and ensuite bathrooms. This unit also comes with off street parking for one vehicle, a detached garage and is conveniently located within walking distance from the Ferry Terminal, Safeway Plaza, public and private schools within the downtown Winslow corridor as well as Sakai Park.

1368 Stonecress Lane NE, Bainbridge Island

Listing courtesy of Johansson Clark Real Estate.

$5,800,000
6 Beds ⋅ 6 Baths ⋅ 2483148 MLS ⋅ ACTIVE Status
Commanding a premier bluffside setting along Bainbridge Island’s coveted Madrona Drive, this extraordinary architectural estate by renowned architect Matthew Coates offers a rare blend of inspired design, luxury, and sustainability. Set on nearly two-thirds of an acre with sweeping Puget Sound views, the property is thoughtfully composed as two distinct residences, connected by a dramatic glass-roofed breezeway. The original LEED-certified residence was designed in harmony with its surroundings, incorporating geothermal heating and photovoltaic solar to reduce heating costs. A thermal mass spine stabilizes temperatures while the living experience separates private retreats from gathering spaces oriented toward water and sky. Radiant heated floors, custom fir and bamboo millwork, and walls of glass create a warm, refined environment. Folding glass doors open to blend indoor and outdoor living. Above, a succulent-planted living roof offers outdoor relaxation with sweeping views of Mount Rainier, the Cascade Mountains, and the Seattle skyline. Completed in 2025, the companion West residence expands the estate with generous living spaces and flexible accommodations for guests, extended living, or creative work. An EV charger reflects the estate’s forward-thinking design. Privately nestled yet minutes from Winslow, the ferry, dining, and boutiques, this rare offering captures the essence of island living where architecture and landscape exist in perfect balance.

7268 Madrona Drive NE, Bainbridge Island

Listing courtesy of Charter Real Estate.

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