Mount Vernon Homes with USDA Loan Terms

Mount Vernon Homes with USDA Loan Terms

Mount Vernon, located in Skagit County, Washington, is a charming city known for its picturesque beauty and small-town charm. Situated in the heart of the Pacific Northwest, Mount Vernon offers residents a unique blend of natural surroundings, vibrant community, and convenient amenities.

The neighborhood of Mount Vernon is particularly appealing for homebuyers looking for properties with USDA loan terms. With the USDA loan program, eligible buyers can enjoy the benefits of low-interest rates, flexible credit requirements, and zero down payment options. This makes it an excellent opportunity for first-time homebuyers or those looking to relocate to the area.

Mount Vernon offers a diverse range of homes that meet the USDA loan criteria. From cozy single-family houses to spacious townhomes, there is something for everyone's taste and budget. Many of these homes feature modern amenities, well-maintained yards, and proximity to schools, parks, and other essential facilities.

Living in Mount Vernon means enjoying a close-knit community with a strong sense of pride and belonging. The city boasts excellent schools, recreational opportunities, and a thriving downtown area filled with local shops, restaurants, and entertainment venues. Outdoor enthusiasts will appreciate the nearby Skagit River, where they can indulge in activities like fishing, boating, and hiking.

If you're considering buying a home in Mount Vernon with USDA loan terms, now is the perfect time to explore the available options. With its beautiful surroundings, friendly community, and affordable housing options, Mount Vernon offers an ideal place to call home. Contact a local real estate agent to learn more about the diverse range of properties available in this delightful neighborhood.

Newest Mount Vernon Homes with USDA Loan Terms

$390,000
1 Beds ⋅ 1 Baths ⋅ 2562591 MLS ⋅ ACTIVE Status
Why keep renting? Or settle for a condo - when you can own the whole thing? No HOA, no shared walls, no monthly dues — just your own detached home, your own garage, and your own private yard. This move-in-ready Mount Vernon home was made for easy living, with a single-level, lock-and-leave layout that keeps life simple. Step inside to all-new laminate flooring and a built-in electric fireplace that warms the living room the moment you walk in. The updated kitchen features a gas range and real space to cook, gather, and entertain, while the spacious bedroom offers its own attached bath for everyday comfort and convenience. Outside is where this home truly shines. A large detached garage and an extra-long driveway provide parking for up to four vehicles — plus room for your RV or boat - the kind of shop and storage space you simply won't find at this price point. The fully fenced backyard is ready for summer BBQs, cornhole, gardening, and cozy evenings around the fire pit. All of it just minutes from I-5, historic downtown, public transit, medical facilities, shopping, and recreation. Move-in ready, freshly updated, and low-maintenance from top to bottom — this is the rare home that fits the first-time buyer ready to stop renting, the downsizer wanting simple single-level living, or the investor looking for a turnkey rental. Homes like this don't last. Come see it before it's gone.

1509 S 7th Street S, Mount Vernon

Listing courtesy of RE/MAX Gateway.

$1,195,000
4 Beds ⋅ 5 Baths ⋅ 2567181 MLS ⋅ ACTIVE Status
Perched at the top of Cascade Ridge Estates, just 10 minutes from town, this custom built home offers exceptional privacy and views that truly have to be experienced in person. Mount Baker fills the view from one side of the home, while the San Juan Islands stretch out from the other, with glimpses of the Olympic Mountains beyond. It is a setting that captures the beauty of the Pacific Northwest from every direction. Cascade Ridge Estates is a small, highly desired community, offering a wonderful sense of privacy and connection. Gated, impeccably maintained, and coming to market for the first time, the property includes private acreage, an access road leading to a potential second building site or future shop, and a home thoughtfully designed for both comfort and flexibility. Inside, warm custom finishes create an inviting atmosphere, while a built in cinema room and flexible lower level offer space for guests, multigenerational living, working from home, or simply spreading out. Thoughtfully designed, wired for modern living, and built to last, this is a home you have to see and a setting photographs simply cannot capture. Peaceful, private, and surrounded by nature, it is a rare opportunity to own one of the premier properties in Cascade Ridge Estates, with room to live, gather, and create something lasting. Its elevated mountaintop setting also makes it an exceptional location for an amateur radio enthusiast.

18345 Osprey Court, Mount Vernon

Listing courtesy of Real Broker LLC.

$1,299,000
3 Beds ⋅ 2 Baths ⋅ 2561108 MLS ⋅ ACTIVE Status
Experience exceptional west-facing waterfront living on beautiful Big Lake, where unforgettable sunsets and year-round recreation await. Perfectly positioned with golf just across the street and endless opportunities for boating, waterskiing, fishing, and paddleboarding from your own backyard. Inside, Northwest Contemporary design shines with a warm gas fireplace, slate accents, and expansive windows framing picturesque lake views. The spacious kitchen and dining area are ideal for gathering, while the generous primary suite offers a walk-in closet and French doors opening to the view deck. Two additional guest bedrooms also enjoy tranquil water views. Relax in the oversized bath featuring a soaking tub and separate shower. Complete with a custom-built 2-car garage/shop, RV parking, and an ideal location approximately one hour from both Seattle and Vancouver, this is the perfect waterfront retreat or full-time residence.

17902 Cove Lane, Mount Vernon

Listing courtesy of RE/MAX Gateway.

$879,500
3 Beds ⋅ 2 Baths ⋅ 2560583 MLS ⋅ ACTIVE Status
This stretch of McLean Road is one of Skagit Valley's hidden gems, where quiet country roads and mountain views create a setting that's both peaceful and remarkably close to town. The home tells its story the moment you walk through the front door. Its renovation honored the character that makes an older home so memorable. Original oak hardwood floors, tall ceilings, and graceful arched doorways remain, while the kitchen, bathrooms, and living spaces were updated to complement the home's timeless character rather than compete with it. The main level offers two bedrooms, including a private primary suite with deck access and an updated ensuite bath. Downstairs, two additional finished rooms provide flexible space for guests, a home office, hobbies, a gym, or additional sleeping areas. Outside, life naturally extends beyond the walls of the home. Enjoy coffee on the deck, unwind in the hot tub, harvest apples, cherries, pears, and plums from your own trees, or finally create the garden, hobby farm, or outdoor space you've always imagined. A 30' x 30' lofted barn with power and a 12-foot overhead door is ready for RV storage, recreational toys, livestock, or your next project. The detached two-car garage includes 220 power, and the recently upgraded four-bedroom septic system offers flexibility.

17645 Mclean Road, Mount Vernon

Listing courtesy of Windermere RE North, Inc..

$659,900
3 Beds ⋅ 3 Baths ⋅ 2551679 MLS ⋅ ACTIVE Status
Quality craftsmanship & pride of ownership shine throughout this beautifully maintained & thoughtfully updated multi-level home. Soaring vaulted ceilings & a striking wood-burning fireplace anchor the light-filled living room, creating an inviting space to gather. Just beyond, the dining area flows effortlessly into the kitchen, where a breakfast nook, pantry, and slider to the upper deck invite mornings overlooking the private backyard & evenings spent entertaining. The main level offers a spacious primary retreat w/ dual closets & a private ¾ bath, accompanied by 2 additional bedrooms & full bath. Downstairs, the finished lower level offers exceptional flexibility w/ a spacious bonus room warmed by a pellet stove, a ¾ bath, utility closet, & seamless access to both the backyard & attached garage. Outside, discover your own peaceful escape featuring a covered patio sitting area, tranquil pond, & mature landscaping that creates a wonderfully secluded setting. A new 50-year roof (2025), newer transferable warranty windows, fresh interior paint and trim, top-down/bottom-up blinds, gas furnace, tankless water heater, RV/boat parking, & an expansive concrete-floored storage area w/ built-in shelving reflect the exceptional care invested in this home. Perfectly positioned on a corner lot near parks, schools, shopping, dining, and everyday conveniences, this is a home where quality, comfort, & lasting craftsmanship come together beautifully.

2301 Monica Drive, Mount Vernon

Listing courtesy of Keller Williams Western Realty.

$649,900
3 Beds ⋅ 2 Baths ⋅ 2550270 MLS ⋅ ACTIVE Status
Meticulously maintained turn-key rambler featuring 3 bedrooms, 2 baths, and an open-concept floor plan with numerous upgrades throughout! Spacious kitchen with large granite island and abundant natural light. Inviting living room offers custom built-in cabinetry surrounding a cozy gas fireplace. Enjoy 9' ceilings, top-down/bottom-up blinds, master has 2 walk-in closets and double sinks in master bath, there is a versatile second bedroom with a built-in Murphy bed and custom cabinets. Third bedroom has built-in desk for office-if needed. Relax in the private backyard oasis with a covered patio, extended awning over the hot tub, expanded patio seating area, professionally landscaped yard with dual French drains, drip irrigation, two storage sheds, concrete walkway, and custom gate. Finished garage with custom cabinet storage system. Recently added solar panels that are owned-not leased will help keep the expenses low! Beautiful newer washer and dryer included. Pride of ownership shines throughout—move-in ready!

3835 Autumn Way, Mount Vernon

Listing courtesy of Hansen Group Real Estate Inc.

$640,000
3 Beds ⋅ 3 Baths ⋅ 2551298 MLS ⋅ ACTIVE Status
Better than new in Highland Greens! This beautifully maintained 3-bedroom, 2.5-bath home offers 2259 sq ft of thoughtfully upgraded living space. The open-concept main floor features a spacious great room, dining area, den/office, and an inviting kitchen enhanced with stylish pendant lighting, custom pantry shelving, and abundant storage. Upstairs you'll find a large bonus room and a spacious primary suite with an updated, remodeled toilet area, plus two additional bedrooms including custom accent walls and designer lighting. Since purchasing, the owners have added a stunning cedar accent wall, additional living room window, laundry room cabinetry, garage shelving, an outdoor storage shed, an expanded concrete patio, and three raised garden beds creating a home that's as functional as it is beautiful. Enjoy the covered front porch, fenced backyard, and convenient location close to schools, parks, shopping, and I-5. This move-in-ready home is packed with upgrades you won't find in a standard builder home!

3289 Loch Ness Loop, Mount Vernon

Listing courtesy of RE/MAX Gateway.

$425,000
2 Beds ⋅ 2 Baths ⋅ 2546226 MLS ⋅ ACTIVE Status
Welcome to a home that will steal your heart before you even step through the front door. Perched perfectly in Mount Vernon, this beautifully updated 1,225 sq ft single-story residence is a sun-drenched sanctuary. From the moment you enter, original built-ins, character-filled hardwood floors, and a cozy wood-burning fireplace wrap you in warmth. The bright kitchen with stainless steel appliances and fresh interior paint make this home ready for your personal touch. But the true soul of this home lies just beyond the glass. Step out onto the expansive wrap-around deck and let your jaw drop. The panoramic, picture-perfect views of the mountains, city, river, and sound are astounding - offering you a front-row seat to the iconic Mount Vernon fireworks show right from your own deck. Blending this timeless beauty with forward-thinking efficiency, the home features a brand-new roof equipped with eco-friendly solar panels. Complete with a 2-bed, 1.5-bath layout, solid surface flooring throughout, an attached garage, and a fully fenced 8,276 sq ft lot, this isn't just a place to live - it’s a place to truly feel alive.

303 S 5th Street, Mount Vernon

Listing courtesy of Keller Williams Western Realty.

$465,000
3 Beds ⋅ 2 Baths ⋅ 2541194 MLS ⋅ ACTIVE Status
Welcome to 1909 Cleveland Ave, a beautifully updated 3-bedroom, 1.5-bath home in the heart of Mount Vernon, WA. This move-in-ready property features fresh interior paint, new luxury vinyl plank flooring, brand-new kitchen appliances, and a newer roof (installed 2022) — combining modern updates with timeless character. Inside, an inviting floor plan includes a spacious living room, a bright dining nook, and a kitchen full of classic charm. A standout feature is the expansive insulated attic space, fully floored and accessed via pull-down ladder — ideal for storage, a home office, creative studio, workout room, or playroom. This bonus space offers flexibility that's hard to find in homes of this size. Outside, you'll find a detached garage, a partially fenced backyard, and plenty of room to garden, relax, or entertain. Located just minutes from downtown Mount Vernon, this home offers easy access to local shops, restaurants, riverfront trails, community events, and the Skagit County Fairgrounds. Don't miss this Mount Vernon gem — schedule your showing today!

1909 Cleveland Avenue, Mount Vernon

Listing courtesy of John L. Scott Bellingham.

$599,950
3 Beds ⋅ 3 Baths ⋅ 2538746 MLS ⋅ ACTIVE Status
NEW PRICE! Welcome home to this charming 1,684 sq. ft. brick and cedar traditional situated on a beautiful private ¼-acre corner lot. Thoughtfully updated & impeccably maintained, this 3-bed, 2.25-bath open floor plan home offers separate living and family rooms, creating flexible spaces for everyday living and entertaining. The spacious eat-in kitchen has been beautifully remodeled with new quartz countertops and an abundant workspace. convenient main-floor laundry room and powder bath add everyday convenience. Upstairs, the primary suite features a large walk-in shower and walk-in closet, accompanied by two additional bedrooms and a full bath. Recent upgrades include energy-efficient top-down cellular shades in the living areas and custom vertical blinds throughout the upstairs bedrooms. Step outside to enjoy the bright, private, fully fenced backyard complete with a large entertainment deck, covered outdoor workspace with electrical service, and plenty of room for gardening, play, or relaxation. The oversized handyman's garage is a standout feature, offering extensive workbenches, abundant overhead storage, and a rear roll-up door providing easy backyard access. Additional highlights include a heat pump, tankless water heater, friendly neighborhood with K-12 bus stops within sight, and a central location that is walk able to the YMCA & Skagit Valley College. Many local hiking trails nearby. This move-in-ready home combines comfort, versatility, and an exceptional location

2003 Woodridge Avenue, Mount Vernon

Listing courtesy of John L. Scott Skagit.

$419,800
3 Beds ⋅ 2 Baths ⋅ 2496209 MLS ⋅ ACTIVE Status
Prime location Fully Updated 3 Bed 1.5 Bath home nestled into a Mount Vernon cul de sac! Wonderful opportunity for first time home buyers or condo alternative right across from Skagit Valley Playfields and College. Main floor features Living-room, kitchen, bedroom and half bath, Upstairs is primary and third bedroom with full bathroom. Spacious fenced yard + outbuilding for storage. Sit back and relax in the Fully Fenced backyard with a Play-set that stays and gorgeous Mount Baker views on a clear day! New Roof November 2024. Pre-inspection available after viewing.

1812 N 30th Street, Mount Vernon

Listing courtesy of CENTURY 21 North Homes Realty.

$480,000
3 Beds ⋅ 2 Baths ⋅ 2495441 MLS ⋅ ACTIVE Status
Brand new roof 2025! Heat pump new 2024. Fresh paint inside and out. Refreshed and move in ready! Covered front deck opens to main floor foyer entry and large living room space, room to dine and kitchen with matching appliances. Upstairs find primary suite with 3/4 bath, 2 additional generous size bedrooms and full guest bath. Fully fenced backyard features raised garden beds and private patio with hot tub. Finished 2 car garage with epoxy floor and extra long driveway can hold 4+ vehicles. Community features parks and open space play areas. Minutes to shopping/dining/schools.

5377 Timber Ridge Drive, Mount Vernon

Listing courtesy of Redfin.

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