Birch Bay Homes with USDA Loan Terms

Birch Bay Homes with USDA Loan Terms

Birch Bay: A Charming Neighborhood in Blaine, Washington

Nestled in the picturesque city of Blaine, Washington, Birch Bay is a delightful neighborhood that offers a serene and welcoming community. Located in Whatcom County, this coastal area is known for its stunning natural beauty and close-knit atmosphere.

Birch Bay is a popular destination for those seeking a peaceful retreat away from the hustle and bustle of city life. With its breathtaking views of the bay and surrounding mountains, residents can enjoy a tranquil lifestyle while still having easy access to modern amenities. The neighborhood features a variety of housing options, ranging from cozy cottages to spacious family homes.

One notable advantage of living in Birch Bay is the availability of homes with USDA loan terms. The USDA loan program provides affordable financing options for homebuyers in eligible rural areas, allowing them to purchase a home with little to no down payment. This makes Birch Bay an attractive option for first-time homebuyers or those looking to relocate to a more affordable area.

In addition to its idyllic setting and favorable loan terms, Birch Bay offers a range of recreational activities for residents to enjoy. From boating and fishing in the bay to exploring nearby state parks and hiking trails, outdoor enthusiasts will find plenty of opportunities to stay active and connect with nature.

With its charming community, stunning scenery, and affordable housing options, Birch Bay is a neighborhood that truly embodies the best of coastal living in Washington. Whether you're looking to settle down or invest in real estate, Birch Bay is a fantastic choice that offers both beauty and value.

Newest Birch Bay Homes with USDA Loan Terms

$584,950
5 Beds ⋅ 3 Baths ⋅ 2574858 MLS ⋅ ACTIVE Status
Model Open Thurs- Monday 12-5. Great Opportunity for Affordable New Construction home featuring 2319 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room, Corner lot that backs to Green Area. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath (optional upgrade) large shower and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Covered back patio great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Just minutes from the Border crossing.

4501 Noel (Lot 85) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$594,999
4 Beds ⋅ 3 Baths ⋅ 2571012 MLS ⋅ ACTIVE Status
This is what "move-in ready" actually looks like: fresh paint, new carpet, and a deck that's already begging for a dinner party. Inside, two separate living spaces mean movie night and quiet time can happen at once. No remote negotiations required. The updated primary shower is the kind of detail you appreciate daily, not just on move-in day. Four bedrooms and 2.25 baths across 1,920 square feet leave room to actually use: a home office that closes its door, or a guest room that isn't doubling as storage. Built in 2006, it's got the bones of something solid without the upkeep of something old. Outside, the yard is fully fenced on a corner lot. Plenty of space to plant something ambitious or let the dog run loose. The deck and pergola function are built for enjoying long evenings. Two-car garage, plus driveway and street parking so that nobody's circling the block here. Beach and downtown Blaine are both a short drive away, close enough that "let's just go" is always the plan. Homes this dialed in, at this price, don't sit around long.

4840 Outrigger Loop, Blaine

Listing courtesy of Bellwether Real Estate.

$515,000
3 Beds ⋅ 3 Baths ⋅ 2570880 MLS ⋅ ACTIVE Status
Welcome to your Birch Bay retreat, just a short stroll from the beach and the beloved The C Shop Cafe. Built in 2015, this light-filled home combines modern finishes with easy coastal living, including a peek-a-boo ocean view from the upstairs bedroom. The open-concept main level features quartz countertops, soft-close cabinetry, stainless steel appliances, and durable hardwood laminate flooring throughout. Upstairs, the spacious primary suite offers a walk-in closet and private ensuite bath, along with two additional bedrooms and a full guest bath. Step outside to a fully fenced backyard with space to entertain, garden, or simply relax after a day by the shore. Whether you're searching for a full-time residence, vacation escape, or investment opportunity, this move-in-ready home offers the perfect blend of comfort, convenience, and Birch Bay charm all close to beaches, dining, and local attractions.

4662 Alderson Road, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$490,000
4 Beds ⋅ 3 Baths ⋅ 2568889 MLS ⋅ ACTIVE Status
Price update! Price reduced and sellers now offer up to $5,000 in seller paid closing costs! Welcome to this well-kept and affordably priced 4-bedroom, 2.5-bath home in the desirable Bay Crest neighborhood of Birch Bay. The thoughtfully designed floor plan offers plenty of space to spread out, with a downstairs bedroom that provides flexibility as a guest room, home office, hobby space, or additional living area. Head upstairs to find the rest of the bedrooms, including the master with ensuite bathroom and walk-in closet. The property features a private, fully fenced back yard with a large deck, great for entertaining, gardening, and pets. Enjoy being within walking distance of the beach and nearby walking trails as well as downtown Birch Bay, making it easy to take advantage of the area's natural beauty and relaxed coastal lifestyle.

7364 Clamdigger Drive, Birch Bay

Listing courtesy of HomeSmart One Realty.

$562,950
5 Beds ⋅ 3 Baths ⋅ 2569466 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for October closing. Models Open Thurs-Mon 12-5PM.

4513 Noel (Lot 79) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$545,950
4 Beds ⋅ 3 Baths ⋅ 2569367 MLS ⋅ ACTIVE Status
Model Open Thurs-Monday12-5PM. Home backs to the Green Belt, no one to the South. Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. September closing, 1% in closing costs w/ Preferred Lender, all appliances included. Border Crossing is just 5 miles away.

4503 Noel (Lot 84) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$559,950
5 Beds ⋅ 3 Baths ⋅ 2569358 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the South. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for September closing.

4529 Noel (Lot 71) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$539,950
4 Beds ⋅ 3 Baths ⋅ 2569022 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Fully fenced yard and all appliances included. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Fully fenced and finished backyard, all appliances. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Home is complete. Border Crossing is just 5 miles away.

4519 Cirque (Lot124) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$679,900
5 Beds ⋅ 3 Baths ⋅ 2561045 MLS ⋅ ACTIVE Status
Nestled in the heart of Birch Bay, this inviting home offers the perfect blend of coastal living, natural beauty, and everyday comfort. Enjoy private beach access with deeded beach rights, making it easy to spend your days strolling the shoreline, kayaking, beachcombing, or simply enjoying the waterfront lifestyle. This spacious home is designed for comfortable living and entertaining, featuring multiple gathering areas, a kitchen with a large island, and the convenience of a main-floor bedroom, ideal for guests or multi-generational living. A three-car garage provides ample space for vehicles and recreational gear. Step outside to enjoy several patios and a fully fenced backyard with a storage shed, creating the perfect setting for outdoor entertaining, gardening, or relaxing in the fresh coastal air. Take in filtered bay views from the rooftop deck, the perfect spot for sunsets, morning coffee, or evening stargazing. Located in a peaceful neighborhood, this home offers a relaxing escape while remaining close to everything Birch Bay has to offer. Nature lovers will appreciate the scenic walking trails just steps away, providing year-round recreation and opportunities to enjoy the area's wildlife and surroundings. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, this exceptional property captures the best of Pacific Northwest coastal living with private beach access and beautiful bay views.

6994 Helweg Lane, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$450,000
3 Beds ⋅ 2 Baths ⋅ 2560340 MLS ⋅ ACTIVE Status
Single-level living in Birch Bay! Built in 2001, this 3-bedroom, 1.5 -bath rambler offers 1,088 sq ft of easy one-floor comfort on a level 9,583 sq ft lot. The open living and dining area is filled with natural light from oversized windows overlooking mature landscaping, and flows to a kitchen with abundant oak cabinetry, gas range, breakfast bar island, and a charming stained glass accent window. Three comfortable bedrooms and a full bath complete the practical floor plan. Step outside to a standout backyard — fully fenced, level, and framed by towering cedars, with raised garden beds, a storage shed, and plenty of room to play, garden, or entertain. The attached 2-car garage includes a built-in workbench and generous shelving for projects and storage. Sewer connected, natural gas, paved street and sidewalks in an established neighborhood. Minutes to Birch Bay State Park, the beach, golf, and dining, with quick access to Blaine, Ferndale, Bellingham, and the Canadian border. Solid bones and a great layout.

4789 Bayshore Drive, Blaine

Listing courtesy of Muljat Group.

$590,000
3 Beds ⋅ 2 Baths ⋅ 2559371 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained rambler on a large lot in the Sea Links community, in the heart of Birch Bay. Everything on one level with no steps, the property features a stamped concrete driveway, lots of front and back yard space, garden area, 4 mature fruit bearing trees, and two decks overlooking protected shared green space which offer great birdwatching. Entering into the home, the foyer leads to the living room with vaulted ceilings, lots of windows for natural light, and a floor to ceiling river rock fireplace. In the kitchen you'll notice high quality cabinetry, all updated appliances, pantry closet and a layout that keeps you connected to the rest of the house. Two generously sized extra bedrooms each have vaulted ceilings, and the primary suite is expansive with a 5 piece bathroom, walk in closet, and sliding doors onto one of the back decks. Home features lots of west facing windows for stunning saltwater sunsets. Sea Links is a vibrant gated community just minutes to the best of Birch Bay with a private shortcut directly to the beach, next to iconic CJ's Beach House and Beach Cat Brewing.

7947 E Golf Course Drive, Blaine

Listing courtesy of Keller Williams Western Realty.

$624,000
4 Beds ⋅ 3 Baths ⋅ 2558433 MLS ⋅ ACTIVE Status
Welcome to this beautifully cared-for 4-bedroom, 2.5-bath home offering just under 2,000 square feet of comfortable and functional living space. Designed for modern living, the open floor plan creates a seamless flow between the kitchen, dining, and living areas, making it ideal for entertaining. The well-appointed kitchen showcases stunning marble countertops, stainless steel appliances, and generous workspace for cooking and gathering. The inviting living room is highlighted by a cozy gas fireplace, while contemporary finishes and a tankless water heater add both style and efficiency throughout the home. Enjoy the fully fenced backyard, where a covered patio, colorful garden beds, and mature fruit trees create a peaceful outdoor retreat perfect for relaxing or hosting guests. An attached garage provides additional storage and convenience. Combining comfort, quality, and thoughtful design, this move-in-ready home is ready to welcome its next owners.

8254 Breeze Loop, Blaine

Listing courtesy of Coldwell Banker Bain.

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