Coupeville Homes with USDA Loan Terms

Coupeville Homes with USDA Loan Terms

Located in Coupeville, Washington, the neighborhood offers a serene and picturesque setting for residents to call home. Situated in Island County, this charming city is nestled in the heart of the United States. With its rich history and natural beauty, it's no wonder that Coupeville is a sought-after destination for homebuyers.

One of the standout features of this neighborhood is the availability of homes with USDA loan terms. The USDA loan program is designed to help moderate-income families in rural areas achieve their dream of homeownership. With favorable terms and low-interest rates, these loans provide an affordable option for those looking to buy a home in Coupeville.

These homes offer a range of benefits to buyers, including no down payment requirements and flexible credit guidelines. Whether you're a first-time homebuyer or looking to upgrade to a larger property, the USDA loan program can make homeownership more accessible and affordable.

Living in a home with USDA loan terms in Coupeville means enjoying the beauty of the surrounding natural landscapes, including stunning views of the Puget Sound and the Olympic Mountains. Residents can also take advantage of the area's vibrant arts scene, delicious local cuisine, and a variety of outdoor recreational activities.

If you're looking for a neighborhood that offers the perfect blend of small-town charm and modern amenities, Coupeville is the place for you. With its USDA loan options and idyllic setting, this neighborhood is an excellent choice for those seeking a peaceful and affordable place to call home.

Newest Coupeville Homes with USDA Loan Terms

$440,000
2 Beds ⋅ 2 Baths ⋅ 2564449 MLS ⋅ ACTIVE Status
Enjoy expansive island living on over half an acre of land in this beautifully updated Coupeville manufactured home. With 2 bedrooms, a bonus room and 2 bathrooms, it offers 1,732 square feet of tastefully renovated living space. The efficient layout features a beautifully updated kitchen with tile floors, black stainless steel appliances and a large single sink. The primary suite serves as a tranquil escape with an upgraded five-piece bath and soaking tub. A flexible bonus room provides a perfect spot for a home office. Nestled in the Crockett Lake neighborhood, this property blends a private retreat with space for your favorite hobbies. The level, sunny, and fully fenced 0.56-acre lot offers ample room for gardening, playing, pets, or projects, complete with a storage shed and a covered parking space. The home sits under 10 minutes from Coupeville, Driftwood Park, Rhododendron Park, Fort Casey, and the ferry landing, and 26 minutes from Oak Harbor and NASWI. The low interest VA loan is assumable. Make this gem of a property the start of your Whidbey Island adventure!

803 Hazzle Court, Coupeville

Listing courtesy of Coldwell Banker 360 Team.

$479,000
3 Beds ⋅ 3 Baths ⋅ 2555349 MLS ⋅ ACTIVE Status
Meticulously maintained, move-in ready, this 3 bedroom, 2.5 bath, 1606 sf condo built in 2020 is a must see! Enjoy the best of both worlds in this bright and sunny contemporary condo in the heart of the charming seaside town of Coupeville. Open concept spaces feature all of today’s modern conveniences including climate-controlled AC/heat, gas stove and fireplace, sleek stainless-steel appliances and quartz countertops. Upstairs you will find 2 bedrooms, a full bath plus a spacious Primary Bedroom Suite with full bath featuring a luxurious soaking tub. Set in a friendly, neighborhood setting with a small-town feel with shops, eateries, grocery, schools and more, all within a short distance, and surrounded by the breathtaking beauty of Ebey’s Landing Historical Reserve offering easy access to protected forests, beaches, and nature trails galore! This contemporary home is easy living at its best. HOA covers water/sewage/trash, exterior structural coverage, landscaping, road maintenance, and common grounds maintenance. Come take a look!

306 S Main Street Unit #B3, Coupeville

Listing courtesy of Whidbey View Homes.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2552572 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. The garage is wired with both 110V and 220V outlets and has lighting, power, and a French cleat wall system already in place for a workshop, with the 220V service ideal for equipment such as welders, high-capacity air compressors, and other high-power shop tools. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$899,000
3 Beds ⋅ 4 Baths ⋅ 2549018 MLS ⋅ ACTIVE Status
Designed with a perfect blend of space & style, this spacious home features 3 bedrooms +2 bonus rooms & a generous loft flex space, which opens to stunning westerly ocean views. Every room has been thoughtfully curated with quality finishes & attention to detail. The custom kitchen is a standout, showcasing sleek countertops, updated cabinetry & ample space for cooking and entertaining. The home’s layout flows seamlessly, offering both comfort & functionality for everyday living and hosting. Located in a sought-after neighborhood close to amenities & community beach, this home combines comfort with elevated living. With its versatile spaces, stylish upgrades, and scenic views, this property is a rare opportunity you won’t want to miss!

557 Fort Ebey Road, Coupeville

Listing courtesy of Better Homes&Gardens McKenzie.

$638,000
1 Beds ⋅ 1 Baths ⋅ 2534813 MLS ⋅ ACTIVE Status
Welcome to your own cottage in the forest—a peaceful retreat where nature, privacy, and possibility come together. Set on 5 gated acres within a spacious, sunny clearing surrounded by towering evergreens, this thoughtfully maintained property offers access to Fort Ebey State Park and The Kettles Trail system right from your backyard. Enjoy morning coffee on the deck while deer, eagles, owls, rabbits, and other native wildlife make regular appearances, offering the kind of everyday connection to nature that's becoming increasingly rare. Inside, the inviting 1-bedroom, 1-bath home offers a bright, flexible layout with the primary bedroom, bath, sunroom/office, and comfortable living and dining spaces all on the main level, while a cozy sleeping loft is tucked above it all. Looking ahead? Build your dream home while retaining the existing cottage as a guest house or expand the current home to fit your vision. Designed for comfort and lasting peace of mind, the home includes: Hardie Plank siding, a metal roof, wired for a generator, composite decking, a ductless mini-split for energy-efficient heating and cooling, LeafGuard gutters, oversized 1-car garage, private well with cistern, fenced yard area, ample RV parking, and an exceptionally maintained crawl space, each reflecting the care and stewardship invested throughout the property. Located minutes from Ebey's Landing, and downtown Coupeville, this unique property offers both immediate enjoyment and long-term flexibility.

2161 Winterhawk Lane, Coupeville

Listing courtesy of Windermere Whidbey Island.

$675,000
3 Beds ⋅ 3 Baths ⋅ 2514028 MLS ⋅ ACTIVE Status
Exceptional privacy with surrounding forested land encapsulates this 2000 sf home and massive newly built shop. This beautiful level lot and great open space along with outskirts of trees and nature to explore and enjoy. Tasteful updates have been made in the home with new roof and solar panels.. A super-efficient woodstove insert, to ensure there is always warmth provided year-round. Being tucked away on a peaceful stretch of Coupeville, 740 Nature Lane offers the kind of space and serenity that feels increasingly rare. Set on 5 beautifully cleared acres, this property is a blank canvas ready for your vision—whether that’s a private retreat, hobby farm, or future ADU. The heavy lifting has already been done, and a newly constructed shop that provides immediate functionality for storage, projects, or equipment. The land itself is open and usable, giving you flexibility for gardens, animals, or simply enjoying wide-open space under big island skies. Surrounded by the natural beauty that makes Coupeville so special, you’ll appreciate the beautiful setting while still being just a short drive to town, beaches, and local amenities. With infrastructure already in place and acreage that’s been thoughtfully prepared, this property offers a head start that’s hard to find. Bring your plans, your dreams, and maybe even your boots—because this is the kind of place where possibilities grow as wide as the land itself.

740 Nature Lane, Coupeville

Listing courtesy of Windermere Whidbey Island.

$2,585,000
2 Beds ⋅ 2 Baths ⋅ 2506025 MLS ⋅ ACTIVE Status
This incredible farm offers 84 acres on 4 parcels with exceptional features. The Bells Farm has been operating for over 75 years with a reputation for high quality soils, world class produce, incredible panoramic views, irrigated pastures, and a legacy respected by customers for decades. The farm offers a custom 1,176 sq.ft. 2 bed/2 bath home built in 2020. Over 27,000 sq.ft. of barns, sheds, workshops, and storage space. 3 Phase Power! Conservation Easement on the property through Whidbey Land Trust offering 17 acres for new commercial operations. This is an ideal location for a Farm to Table Business, Wedding and Event Center, Restaurant, Home Based Business, Equestrian Facility, or another unique idea you may have. Large pond is on site for attracting wide variety of water fowl and other game animals. Great spot to recreate or hunt. Stunning views of the Puget Sound, and Olympic Mountains with the most incredible sunrise and sunsets you could hope for. Check this farm out before its gone!

886 North West Beach Road, Coupeville

Listing courtesy of American Dream R. E. Services.

$1,495,000
6 Beds ⋅ 5 Baths ⋅ 2496237 MLS ⋅ ACTIVE Status
A Turnkey investment opportunity in the heart of Coupeville, just blocks from the waterfront. **MOTIVATED SELLER! ~ Welcome to June on Whidbey Island! This wonderful property is FULLY BOOKED FOR THE SUMMER!**The iconic 1887 John & Jane Kineth House blends historic character with modern systems and a strong income track record. This unique historic property has been thoughtfully reimagined and is currently operating as a successful short-term rental, with prior use as a bed & breakfast and also as a personal residence. This property offers immediate revenue potential and a wide variety of uses. The elegant Italianate Victorian design features ornate trim, carved corbels, the original fir floors, a grand staircase, and a classic parlor with a marbleized fireplace. The updated electrical, plumbing, and systems provide modern reliability while preserving historic appeal. The flexible layout includes 6 bedrooms, 4 with private en-suite baths—ideal for guest accommodations. A spacious kitchen, a wonderful formal dining with butler’s pantry, and multiple gathering spaces both inside and out support high-occupancy use. Commercial zoning allows for continued STR operation, boutique inn, or mixed-use investment. The prime location just blocks from Coupeville’s waterfront, shops, and dining enhances year-round demand. This is truly a rare opportunity to acquire a high-performing, historically significant property.

702 N Main Street, Coupeville

Listing courtesy of COMPASS.

$715,000
3 Beds ⋅ 2 Baths ⋅ 2490943 MLS ⋅ ACTIVE Status
Nestled on 3.5 park-like acres on a dead-end street, this exceptionally remodeled home offers privacy and and like-new features just minutes from historic downtown Coupeville. The beautiful interior shines with thoughtful upgrades, including new ductless mini-splits, fresh paint, new flooring, doors, and trim and bright kitchen. Outside, enjoy a large detached shop with abundant storage and a covered patio off the shop, perfect for entertaining or relaxing after a day outdoors. The fully fenced backyard provides a safe haven for pets, while nearby Whidbey Island beaches offer endless recreation with clamming, crabbing, and fishing just minutes away. A rare blend of space, tranquility, and coastal lifestyle.

621 Parker Road, Coupeville

Listing courtesy of Keller Williams Western Realty.

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