Lummi Island Homes with USDA Loan Terms

Lummi Island Homes with USDA Loan Terms

Welcome to Lummi Island, a hidden gem in the Pacific Northwest located in Whatcom County, Washington, US. This charming island offers a unique blend of natural beauty and a tight-knit community, making it a perfect place to call home.

Lummi Island is known for its stunning waterfront properties, lush forests, and panoramic views of the Salish Sea. Residents here enjoy a peaceful and serene lifestyle, away from the hustle and bustle of city life. The island is also a haven for outdoor enthusiasts, with plenty of opportunities for hiking, kayaking, and whale watching.

If you're looking to purchase a home in Lummi Island, you'll be delighted to know that USDA loan terms are available in this area. This means that eligible homebuyers can take advantage of low-interest rates and no down payment requirement, making homeownership more accessible and affordable.

Whether you're looking for a cozy cottage by the sea or a spacious waterfront estate, Lummi Island has a diverse range of properties to suit every taste and budget. Don't miss the chance to experience island living at its finest in this picturesque community.

Come and explore Lummi Island, where nature meets luxury, and find your dream home in this idyllic setting.

Newest Lummi Island Homes with USDA Loan Terms

$599,950
3 Beds ⋅ 3 Baths ⋅ 2575368 MLS ⋅ ACTIVE Status
Set at the end of a quiet road, this Lummi Island property offers a full acre of land surrounded by mature evergreens, creating a private and peaceful setting with filtered bay and island outlooks, along with glimpses of Mt. Baker and the Canadian Coastal Range. There is also potential to enhance view corridors over time. The home features vaulted ceilings and expansive windows that bring in natural light and connect the interior to its natural surroundings. An open main living area flows out to a covered deck—well-suited for year-round enjoyment. The lower level, with separate access, provides flexible space for guests, a studio, or additional living use—offering versatility that’s not commonly found at this price point on the island. Located just minutes from the ferry, trails, boat launch, and local amenities, the property combines seclusion with accessibility. A short walk leads to the Aiston Nature Preserve, offering over 100 acres of protected land for recreation and exploration. A unique opportunity to own space, privacy, and flexibility on Lummi Island.

1103 Berry Way, Lummi Island

Listing courtesy of Keller Williams Western Realty.

$617,499
3 Beds ⋅ 2 Baths ⋅ 2549290 MLS ⋅ ACTIVE Status
Lummi Island living at its finest! Perched in the desirable Isle Aire community, this 3-bedroom, 1.75-bath home offers 2,352 square feet of flexible living space and breathtaking west-facing views of the San Juan Islands and Strait of Juan de Fuca. Watch spectacular sunsets from your expansive deck and keep an eye out for passing orcas, eagles, and ever-changing marine activity. The main level features comfortable living with two bedrooms, a full bath, eat in kitchen, and inviting living room centered around a cozy wood-burning fireplace. Downstairs, a separate living area with an additional bedroom, ¾ bath, second wood-burning fireplace, and private entrance provides ideal space for guests, extended living, or a private retreat. The detached two-car garage offers excellent workshop space, built-in storage, and room for hobbies, recreational gear, or island projects. Outside, enjoy beautifully landscaped gardens, ample space for growing your own vegetables and flowers, and a welcoming fire pit gathering area perfect for relaxing under the stars. Located just blocks from Isle Aire’s private west-facing beach, ownership includes deeded beach rights and the opportunity for your own mooring buoy. Miles of nearby walking trails begin just beyond the backyard, offering easy access to the island’s natural beauty. Whether you’re seeking a full-time residence or the perfect island getaway, this property delivers the best of Lummi Island’s relaxed coastal lifestyle.

2536 Island View Lane, Lummi Island

Listing courtesy of RE/MAX Whatcom County, Inc..

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