City Of Oak Harbor Homes with USDA Loan Terms

City Of Oak Harbor Homes with USDA Loan Terms

Welcome to the charming City of Oak Harbor, located in the beautiful state of Washington, USA. This vibrant city, nestled in Island County, offers a perfect blend of natural beauty and modern amenities, making it an ideal place to call home.

One of the many perks of living in Oak Harbor is the availability of homes with USDA loan terms. This means that eligible homebuyers can take advantage of favorable loan terms offered by the United States Department of Agriculture, making homeownership more accessible and affordable.

The neighborhood of Oak Harbor boasts a diverse real estate market, with a variety of housing options to suit different preferences and budgets. From cozy single-family homes to spacious townhouses, there is something for everyone in this thriving community.

In addition to the attractive real estate opportunities, Oak Harbor offers a range of amenities, including parks, shops, restaurants, and top-rated schools. Outdoor enthusiasts will appreciate the city's proximity to stunning natural landscapes, including beaches, parks, and hiking trails.

Whether you are a first-time homebuyer or looking to upgrade to a new property, Oak Harbor has something to offer. With its welcoming community, picturesque surroundings, and homes with USDA loan terms, this city provides the perfect setting for your next real estate investment.

Newest City Of Oak Harbor Homes with USDA Loan Terms

$435,000
3 Beds ⋅ 1 Baths ⋅ 2570544 MLS ⋅ ACTIVE Status
This move in ready three bedroom rambler sparkles from top to bottom in the heart of town. Step inside to discover fresh interior paint, updated LVP flooring, and crisp trim throughout the inviting living spaces. The bright kitchen features beautiful oak cabinetry alongside updated lighting fixtures, making it a warm center for everyday living. Comfort and practical upgrades continue throughout, including a new ceiling fan in the main bedroom, privacy screen doors, and a newly installed water heater for worry free living. A standout highlight of this property is the versatile flex room, which boasts a private outside entrance and rare Zoned Residential Office status. Whether you choose to utilize this adaptable space as a dedicated home business, a remote work setup, a creative studio, or an extra bedroom, the functional design easily adjusts to your lifestyle. Step outside to relax or entertain on the wonderful back deck, perfectly set within a fully fenced yard that provides exceptional privacy, security, and space to enjoy. Situated just minutes from local schools, shopping, services, and NAS Whidbey, this exceptional property combines everyday convenience with incredible potential. Do not miss this rare opportunity to own a beautifully updated home in a central Oak Harbor location.

49 SW 8th Avenue, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$518,785
3 Beds ⋅ 2 Baths ⋅ 2568008 MLS ⋅ ACTIVE Status
Discover effortless single-level living in this extensively updated, move-in-ready home designed for comfort and enjoyment. The spacious, open layout offers 3 bedrooms and 1¾ baths, with thoughtful upgrades throughout. At the heart of the home is a stunning, oversized kitchen featuring new cabinetry, stainless-steel appliances, and elegant solid-surface countertops with a complementary backsplash. Additional improvements include newer windows and roof, a ductless heat pump for year-round comfort, and durable luxury vinyl plank flooring throughout. Outside, the beautifully landscaped and fully fenced backyard provides a private retreat with lush gardens, a welcoming fire-pit area, and abundant raspberries, grapes, and seasonal plantings—without the maintenance of a traditional lawn. A large Tuff Shed, along with an additional covered storage area, offers exceptional room for tools, hobbies, recreational gear, plus RV and boat storage. Large freshly painted 2 car garage with opener/keypad makes coming home a breeze! Conveniently located in town near everyday services and NAS Whidbey Island, this exceptional property is beautifully prepared for relaxed indoor-outdoor living and ready to welcome its next owner.

1961 NE 9th Avenue, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$659,000
4 Beds ⋅ 3 Baths ⋅ 2566731 MLS ⋅ ACTIVE Status
Rare find in Marin Woods: a 2023 Huseby Homes build that lives like new construction without the new-construction wait. The one owner has never used the primary suite — the fridge still smells brand new. Four bedrooms + large den, two and a half baths, 2,359 square feet of open-plan living with a stacked-stone fireplace anchoring the great room. The kitchen carries every upgrade: quartz waterfall island, arabesque backsplash, full-height cabinetry, stainless appliances, and the Electrolux washer and dryer stay. Primary suite adds a tray ceiling, dual vanities, and a freestanding soaking tub with separate tile shower. Fully fenced backyard, mature landscaping in place — no dirt lot to plant. Heat pump with A/C, city sewer, no septic. Furniture negotiable. Sold by the Personal Representative under nonintervention powers; Form 17 exempt. VA-eligible with clean condition and no expected repair conditions. Ten minutes to Ault Field, five minutes to downtown Oak Harbor.

2209 SW Putnam Drive, Oak Harbor

Listing courtesy of Windermere Real Estate/East.

$529,000
3 Beds ⋅ 2 Baths ⋅ 2561931 MLS ⋅ ACTIVE Status
Welcome Home to Redwing! This beautifully maintained contemporary home is truly move-in ready! Soaring vaulted ceilings in the foyer & living room create a bright, open, and inviting atmosphere from the moment you step inside. Enjoy year-round comfort & energy efficiency w/ natural gas forced-air heating, a cozy gas fireplace, gas water heater, & gas range. The spacious kitchen is designed for both everyday living & entertaining, featuring a center island, granite countertops, rich oak cabinetry, a pantry, and newer appliances. The private primary suite offers a relaxing retreat w/ dual vanities in the ensuite bath. An oversized laundry room includes a deep utility sink and abundant wall-to-wall cabinetry, providing exceptional storage and convenience. Step outside to the fully fenced backyard—perfect for entertaining, gardening, or creating your own outdoor oasis. There's plenty of room for pets to play, space to add a gazebo, or simply relax with your morning coffee or evening tea. A storage shed adds even more functionality. Ideally located just minutes from NAS Whidbey, this home is within walking distance to Hillcrest Elementary& Oak Harbor High School. You'll also enjoy being just minutes from the beach, where you can take in Whidbey Island's spectacular sunsets. Best of all, all appliances stay, making this truly a turnkey home ready for its next owner. Don't miss this opportunity—schedule your showing today and make this beautiful Redwing home your new address!

1382 NW Kathleen Drive, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$499,000
3 Beds ⋅ 3 Baths ⋅ 2558917 MLS ⋅ ACTIVE Status
Set in a private yet centrally located pocket of town—custom, nearly-new construction at 1,738 square feet. The living room pairs LVP floors & oversized picture windows with a seamless transition to the dining space—a layout that works for quiet weeknight dinners as easily as it does for hosting a crowd. The open kitchen has polished quartz counters, custom cabinetry, entertaining island/breakfast bar, & walk-in-pantry. An efficient heat-pump (offering year-round comfort), low-maintenance fenced yard/sunny patio, plus nominal monthly dues to cover landscaping, community park/play area & more--providing the lifestyle perks without the weekend work! Minutes from schools, stores & base, yet still your own quiet escape. More? The seller is offering a $5,000 incentive/credit toward closing costs or a rate buy-down—a lower payment from day one. The hard part is already done—come see the rest...!

360 SW Ballast Way, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$549,500
2 Beds ⋅ 2 Baths ⋅ 2562791 MLS ⋅ CONTINGENT Status
Discover this like-new, turn-key 2-bedroom home plus a versatile bonus room—perfect as a 3rd bedroom, home office, or playroom. The open-concept layout flows seamlessly through spacious living, dining &kitchen areas, all under vaulted ceilings that flood the space with natural light. Enjoy effortless indoor-outdoor living with a deck off the dining room leading to a private backyard on a generous half-acre corner lot. The home features an attached garage, covered front porch, whole-house generator wiring & highly efficient heating/cooling systems. Ideally located near shops, schools, restaurants, golf courses, beautiful beaches, and NAS Whidbey Island—this move-in-ready gem offers comfort, convenience, and easy living at its finest.

1415 Highland Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$435,000
3 Beds ⋅ 1 Baths ⋅ 2558234 MLS ⋅ ACTIVE Status
Welcome to this charming Oak Harbor rambler offering 3 bedrooms, 1 bathroom, and nearly a quarter-acre of fully fenced outdoor space. Inside, you’ll find a spacious room that flows into the open kitchen and dining area, creating a warm and inviting layout perfect for gathering with friends. The expansive backyard provides endless possibilities for entertaining, gardening, play, or simply relaxing in your own private retreat. Conveniently located near schools, shopping, parks, and NAS Whidbey, this home offers the perfect blend of comfort, functionality, and room to grow. All appliances stay!

1580 NE 11th Avenue, Oak Harbor

Listing courtesy of NextHome 365 Realty.

$795,000
4 Beds ⋅ 1 Baths ⋅ 2552313 MLS ⋅ ACTIVE Status
Welcome to this iconic Whidbey Island Colonial, inspired by the “Town of Tomorrow” as Demonstration Home No. 15 at the 1939 New York World’s Fair. After 86 years in the same family, this remarkable property has been lovingly preserved while thoughtfully expanded to reflect generations of passion for gardening, tulips, raising prize-winning Hackney horses, and cultivating abundant fruit trees. The grounds and home tell an evolving story of creativity and enduring charm, featuring mature apple, pear, and plum trees on the main property, along with a full apple orchard beside the iconic barn on the neighboring acre. Current owner Neal Noorlag Jr. further elevated the estate with the addition of “The Music Conservatory,” a stunning space designed and built in 2010. Inspired by a love of architecture, music, reading, and the arts, this unique masterpiece brings a sense of elegance and inspiration that must be experienced in person. Set on a rare in-town acre, with the neighboring acre and its equally iconic barn also available. Offered for the first time ever, this is a once-in-a-generation opportunity to own a piece of history.

579 SE Ely Street, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$1,090,000
4 Beds ⋅ 1 Baths ⋅ 2552322 MLS ⋅ ACTIVE Status
Welcome to this iconic Whidbey Island Colonial, inspired by the “Town of Tomorrow” as Demonstration Home No. 15 at the 1939 New York World’s Fair. After 86 years in the same family, this remarkable property has been lovingly preserved while thoughtfully expanded to reflect generations of passion for gardening, tulips, raising prize-winning Hackney horses, and cultivating abundant fruit trees. The grounds and home tell an evolving story of creativity and enduring charm, featuring mature apple, pear, and plum trees on the main property, along with a full apple orchard beside the iconic barn on the neighboring acre. Current owner Neal Noorlag Jr. further elevated the estate with the addition of “The Music Conservatory,” a stunning space designed and built in 2010. Inspired by a love of architecture, music, reading, and the arts, this unique masterpiece brings a sense of elegance and inspiration that must be experienced in person. Set on a rare in-town acre, with the neighboring acre and its equally iconic barn also included, the possibilities here are truly endless. Offered for the first time ever, this is a once-in-a-generation opportunity to own a piece of history.

579 SE Ely Street, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$414,900
3 Beds ⋅ 1 Baths ⋅ 2546519 MLS ⋅ ACTIVE Status
Classic midcentury-inspired rambler—where every space was thoughtfully redesigned with equal parts beauty & purpose. At 1,148 sq ft with 3 bedrooms & 1 full bath, this in-town charmer sits on a level, terraced ¼-acre lot that's fully fenced & ready to enjoy. Inside? Durable laminate floors flow throughout, double-paned vinyl windows pour in the light & replaced interior doors add a fresh touch. The showstopper kitchen delivers granite counters, ceramic tile & quality stainless steel appliances that truly shine. Keep comfort high & bills low with efficient natural gas heat, coupled with a cozy fireplace to gather round when the rain rolls in. Add in an attached 1-car garage, bonus outdoor storage, a professionally remedied crawlspace (prior to closing) & a 2-year home warranty, and you've got move-in-ready peace of mind. Nothing left to do but move in & make it yours…!

462 SE Quaker Street, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$525,000
4 Beds ⋅ 3 Baths ⋅ 2547046 MLS ⋅ ACTIVE Status
Perfectly situated on a prime corner lot close to everything, this turnkey property offers unique residential office zoning with endless potential for a residence or business, with a second entrance if needed for a business. The exterior showcases classic cedar siding, a metal roof w/ ridge vents, screen security doors & double pane windows. The property features plenty of parking including RV space, a new backyard storage shed, & Ring doorbells that stay. Inside, discover a bright layout w/ fresh paint, refinished original hardwoods, carpet, & window blinds. Shutters grace the primary bedroom, while ceiling fans & modern light fixtures illuminate the home. The updated kitchen shines w/ refinished cabinets, a garbage disposal, & a vented microwave, alongside updated appliances, including the washer & dryer. The bathroom is fully refreshed complemented by updated vinyl floors through the kitchen, bath, & utility area. The garage boasts a painted acrylic floor, an upgraded 200 amp electrical panel, & a drop down ladder to the attic, w/ all shelving included. Major systems featuring a Mitsubishi furnace & air conditioning system, an electric water heater, & updated insulation & hardwired smoke detectors, a propane fireplace insert ready for hookup. Close to NAS Whidbey, Town, and amenities. This home is ready for you!

21 SW 8th Avenue, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$439,000
3 Beds ⋅ 3 Baths ⋅ 2545214 MLS ⋅ ACTIVE Status
Minutes from schools, beaches & the base—but the moment you step inside, the outside world fades. This 2-story townhome packs 1,715 asf of beautifully organized, effortlessly stylish living into a friendly neighborhood you'll love coming home to. Highlights? 3 bedrooms, 2.5 baths, and a fabulous living room with durable plank floors, picture windows & a warm, contemporary color palette. The kitchen shines—open, bright, with ample counter space & storage, plus quality appliances. The intimate dining space flows right out to a covered deck—ready for grillin' & chillin'. When you add in the concrete siding, attached garage, all-vinyl windows, and nominal monthly dues that handle front landscaping & common area upkeep...? Enjoy low-maintenance living with impeccable taste & zero compromise. Yes please and thank you!

160 NE Melrose Drive, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

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