Lacey Homes with USDA Loan Terms

Lacey Homes with USDA Loan Terms

Welcome to the vibrant neighborhood of Lacey, located in Thurston County, Washington, USA. Lacey is a charming city known for its beautiful parks, excellent schools, and a strong sense of community. With a perfect blend of urban amenities and natural beauty, Lacey offers residents a high quality of life.

One of the great advantages of living in Lacey is the availability of homes with USDA loan terms. This is fantastic news for homebuyers looking to settle in this lovely neighborhood. USDA loans are a type of mortgage that offers low-interest rates and zero down payment options, making it easier for families to purchase their dream home in Lacey.

Imagine living in a place where you can enjoy the peaceful surroundings of nature while still being close to all the conveniences of modern life. Lacey offers just that - a place where you can unwind in the tranquility of the Pacific Northwest, explore scenic trails, and experience a strong sense of community.

Whether you're a first-time homebuyer or looking to upgrade to a larger space, Lacey has a diverse range of homes to choose from. From cozy bungalows to spacious family homes, there's something for everyone in this thriving neighborhood.

Come and discover the beauty and warmth of Lacey - a place where you can truly call home. Experience the best of both worlds with homes offering USDA loan terms, making your homeownership dreams a reality in this wonderful community.

Newest Lacey Homes with USDA Loan Terms

$450,000
3 Beds ⋅ 1 Baths ⋅ 2572024 MLS ⋅ ACTIVE Status
Set on an expansive hard-to-find fully fenced lot, this beautifully maintained mid-century rambler offers a rare combination of space, character, and convenience with updates to major systems throughout. Thoughtful improvements include a new roof, hot water tank, and outdoor deck installed in 2024, plus a beautifully updated bath and laundry room, PEX plumbing, laminate flooring, and a charming fireplace with a gas insert. The impressive backyard creates a private and tranquil outdoor retreat with mature fruit trees, garden space, and room to entertain, play, or bring your outdoor vision to life. An oversized 1-car garage with built-in workbench and additional side parking for an RV or boat add exceptional versatility. Ideally situated near Saint Martin's University, parks, shopping, dining, and I-5 access.

2016 Sycamore Street SE, Lacey

Listing courtesy of Timber Real Estate.

$469,000
4 Beds ⋅ 2 Baths ⋅ 2564587 MLS ⋅ ACTIVE Status
First time on the market in over 30 years! This well-loved home offers a rare opportunity to own a property with solid bones, timeless character, and endless potential. Featuring a newer 50-gallon water heater, a roof that's only six years old, and a well-maintained heating system, many of the major components have already been cared for.Beautiful original hardwood floors extend throughout the spacious living areas and bedrooms, adding warmth and classic appeal. While some updates have already been completed, there's still plenty of opportunity to personalize the home and create the space you've always envisioned.The lower level offers exceptional flexibility with a large bonus room, an additional bedroom, and a ¾ bath—ideal for guests, a home office, or multi-generational living.Conveniently located just minutes from I-5, medical facilities, shopping, and schools, this home combines accessibility with the charm of an established neighborhood featuring generous quarter-acre (±0.25 acre) lots. Don't miss your chance to make this special property your own.

5111 21st Avenue SE, Lacey

Listing courtesy of eXp Realty.

$425,000
3 Beds ⋅ 1 Baths ⋅ 2567536 MLS ⋅ ACTIVE Status
Charming 1955 Mid-Century Home in Lacey near the beautiful Panorama Senior Living Pea Patch awaits you. This solid, corner-lot charmer is nestled in a wonderfully happy and welcoming neighborhood and the enchanting yard is colored by its variety of landscaping, creating a private oasis. Combining solid character with modern readiness, this home features updated windows, a single-car garage, dedicated RV parking, and is generator ready for total peace of mind. Quiet mornings on the covered patio, a fenced backyard and a great location, all combine for the perfect place to come home to. Take a look today and see if you can make it your own.

1815 Curtis Court SE, Lacey

Listing courtesy of Realty One Group Bold.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2567366 MLS ⋅ ACTIVE Status
Turnkey Living Under $450K—Huge Lot, Fresh Upgrades & Absolute Privacy! Welcome home to 4432 29th Ave SE! Perfectly positioned in a quiet, desirable Lacey neighborhood, this move-in-ready gem delivers the ultimate combination of high-value interior updates, massive outdoor space, and unbeatable price positioning. At just $450,000, this property outshines the competition and won't last through the weekend. Key Highlights: Exceptional Outdoor Living: Spread out on an expansive, rare-for-the-price lot. Designed for low-stress enjoyment, high privacy, and maximum utility—perfect for weekend BBQs, garden projects, or entertaining. Fully Fenced & Secure: Enjoy complete peace of mind with a robust, fully enclosed perimeter ideal for pets, play, and private outdoor gatherings. Effortless Location: Minutes to schools, parks, shopping centers, and direct commute corridors to JBLM and I-5. Whether you are seeking a high-yield investment, a reliable turnkey start, or a home with real room to breathe, this property represents the best dollar-for-dollar value in the 98503 zip code. Schedule your walkthrough today before it’s gone!

4432 29th Avenue SE, Lacey

Listing courtesy of Cascade Home Group.

$494,995
3 Beds ⋅ 3 Baths ⋅ 2560107 MLS ⋅ ACTIVE Status
Grand Opening week at Ventura Crossing by DR Horton Homes. Appointments being scheduled for this weekend 10am-6pm. Exciting community amenities like a playground, and open spaces. With its convenient Lacey location, destinations like JBLM, the State Capitol, and Olympia's Historic District are all within reach. The Fir offers 3 bed + loft/office, 2 1/2 bath w/ all the luxury of a new home. Huge kitchen island, slab quartz counters, gas range, stainless appliances w/tons of storage & A/C. Primary suite boasts separate bath & walk-in closet. Located only 15 min from JBLM. Below market rates and a $20,000 buyer bonus available through the preferred lender for qualified buyers. Buyers must register their brokers on the first visit including any open house. Come see what all the excitement is about.

5127 Emery Avenue NE Unit #43, Lacey

Listing courtesy of D.R. Horton.

$484,995
3 Beds ⋅ 3 Baths ⋅ 2553614 MLS ⋅ ACTIVE Status
Grand Opening week at Ventura Crossing by DR Horton Homes. Appointments being scheduled for this weekend 11am-6pm. Exciting community amenities like a fenced dog park, playground, and open spaces. With its convenient Lacey location, destinations like JBLM, the State Capitol, and Olympia's Historic District are all within reach. The Piper offers 3 bed + loft/office, 2 bath w/ all the luxury of a new home. Huge kitchen island, slab quartz counters, gas range, stainless appliances w/tons of storage & A/C. Primary suite boasts separate bath & walk-in closet. Located only 15 min from JBLM. Below market rates and a $20,000 buyer bonus available through the preferred lender for qualified buyers. Come see what all the excitement is about. Buyers must register their broker on the first visit including any open house.

5123 Emery Avenue NE Unit #44, Lacey

Listing courtesy of D.R. Horton.

$669,950
5 Beds ⋅ 3 Baths ⋅ 2541548 MLS ⋅ ACTIVE Status
Welcome to the beautiful Gateway neighborhood in Northeast Lacey! This 2020-built home features 5 bedrooms, including a convenient first-floor guest suite with its own shower, plus a versatile bonus room. A full 3-car garage provides ample space for all your needs. You’ll enjoy the charm of Gateway Park right in the community, while being just minutes from JBLM. Plus, you’ll have easy access to all the newest restaurants and shopping in town. This is the perfect blend of modern living, convenience, and community—don’t let this opportunity pass you by!

6813 Sweetgum Avenue NE, Lacey

Listing courtesy of Berkshire Hathaway HS NW.

$529,900
4 Beds ⋅ 2 Baths ⋅ 2528519 MLS ⋅ ACTIVE Status
Forest Glen charmer! Your beautifully remodeled 4 bed, 1.75 bath rambler offers the perfect blend of modern updates, functionality, and peaceful living. Completely renovated just over a year ago, this move-in ready home features an open-concept layout with two spacious living areas—ideal for entertaining, multi-generational living, or simply spreading out in comfort. The stunning kitchen is the heart of the home, showcasing quartz countertops, upgraded cabinetry, and durable LVP flooring, while plush new carpet adds warmth and comfort to the bedrooms. Step outside to your oversized fully fenced backyard, perfectly positioned on a quiet cul-de-sac lot surrounded by mature trees that provide both shade and privacy. A large deck creates the perfect setting for gatherings, summer evenings, gardening, or outdoor play—with endless possibilities for making the space your own. Additional features include a 2-car garage, RV parking, extra storage building, energy-efficient vinyl windows, and low-maintenance vinyl siding. With thoughtful upgrades already completed and every detail dialed in, this is the kind of turn-key home that rarely comes available. Minutes to I-5, groceries, JBLM, & local amenities - don't miss your opportunity!

6720 Alder Glen Drive SE, Olympia

Listing courtesy of Century 21 Van Dorm Realty.

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