Oak Harbor Homes with Conventional Terms

Oak Harbor Homes with Conventional Terms

Welcome to Oak Harbor, a charming city located in Island County, Washington, US. This picturesque neighborhood offers a perfect blend of natural beauty and modern conveniences, making it an ideal place to call home.

Oak Harbor is known for its stunning coastal views, lush greenery, and a strong sense of community. Residents here enjoy a peaceful and relaxed lifestyle while still being close to all the amenities they need. Whether you're looking for outdoor adventures or cultural experiences, Oak Harbor has something for everyone.

When it comes to real estate in Oak Harbor, you'll find a variety of homes with conventional terms. From cozy cottages to spacious family homes, there's something to suit every taste and budget. With a range of options available, you're sure to find the perfect property to call your own in this welcoming neighborhood.

If you're searching for a place that offers a high quality of life and a strong sense of community, look no further than Oak Harbor. Come and discover all that this charming neighborhood has to offer - you may just find your dream home here!

Newest Oak Harbor Homes with Conventional Terms

$485,000
3 Beds ⋅ 3 Baths ⋅ 2570664 MLS ⋅ ACTIVE Status
Nestled in the heart of Oak Harbor’s coastal community, this beautifully crafted new-construction townhome combines timeless materials, modern amenities, and thoughtful design. Built by award-winning general contractor Volonta Corporation, this home includes a 1-year builder warranty for added peace of mind. Enjoy an easy walk to the waterfront, schools, shopping, dining, and everyday amenities from this centrally located neighborhood. Inside, elevated finishes include solid Acacia hardwood flooring, Italian porcelain tile, polished quartz countertops, and custom millwork throughout. Every detail has been selected to create a comfortable, stylish, and enduring home. Take advantage of builder-preferred financing through CMG Home Loans, with potential incentives tailored to your needs. Contact the listing agent for complete financing and incentive details. Listing photos depict Unit A2. Unit A1 offers a similar layout; finishes, features, and details may vary.

55 NE Kettle Street Unit #A1, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

$485,000
3 Beds ⋅ 3 Baths ⋅ 2570637 MLS ⋅ ACTIVE Status
Nestled in the heart of Oak Harbor’s coastal community, this beautifully crafted new-construction townhome combines timeless materials, modern amenities, and thoughtful design. Built by award-winning general contractor Volonta Corporation, this home includes a 1-year builder warranty for added peace of mind. Enjoy an easy walk to the waterfront, schools, shopping, dining, and everyday amenities from this centrally located neighborhood. Inside, elevated finishes include solid Acacia hardwood flooring, Italian porcelain tile, polished quartz countertops, and custom millwork throughout. Every detail has been selected to create a comfortable, stylish, and enduring home. Take advantage of builder-preferred financing through CMG Home Loans, with potential incentives tailored to your needs. Contact the listing agent for complete financing and incentive details. Listing photos depict Unit A2. Unit A1 offers a similar layout; finishes, features, and details may vary.

55 NE Kettle Street Unit #A2, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

$75,000
2 Beds ⋅ 2 Baths ⋅ 2570252 MLS ⋅ ACTIVE Status
Recently renovated 3 bedroom 1.75 bath manufactured home in Western Village 55+ community. Home has had lots of upgrades including; new paint inside as well as updated kitchen cabinets and trim. Carport has room for two vehicles and there is a storage shed. All you have to do is unpack. Western Village is a level flat park within short distance to shops and services such as groceries, pharmacy and restaurants as well as the Elks club. Come enjoy all that this area has to offer in an affordable comfortable place to live. Pets OK but park has size restriction. Park rent is approx $950 includes WSG. Must have park approval for purchase. This home is ready for it's new owners

225 NE Ernst Unit #97, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$549,700
3 Beds ⋅ 3 Baths ⋅ 2569623 MLS ⋅ ACTIVE Status
Welcome! Come down a private drive, nestled in the trees, to this lovely home. The Country front porch invites you into the main floor with a very nice eat in Kitchen, Office/Den, Dining room and Living room with gas fireplace. French door to the fully fenced back yard. There are 3 sizeable bedrooms (Primary suite), with new carpets, laundry and a spacious Family room upstairs. An inviting 2 car garage allows for all sorts of hobbies and has backyard access door. New 30 year roof installed April 2026 This Redwing neighborhood offers a Community park at the end of your driveway. You couldn't get a better location being close to the Beach, Golf Course, Schools, Navy base and town. Come be a part of a great neighborhood!!!

1186 NW Kathleen Drive, Oak Harbor

Listing courtesy of Keller Williams Western Realty.

$499,725
3 Beds ⋅ 3 Baths ⋅ 2568899 MLS ⋅ ACTIVE Status
Enjoy sunsets & westerly views of Cranberry Lake & San Juan Islands in this beautiful home offering 3 spacious bedrooms + a dedicated office. A large lower-level bonus room features its own private 3/4 bath, WIC & separate entry from the garage—offering flexibility for a potential primary suite, guest quarters, multigenerational living, or other living needs. Recent updates include Renewal by Andersen windows, new roof, new deck & SS appliances. The generous lot provides room for RV/boat parking & a charming treehouse for outdoor enjoyment. Deception View Park residents enjoy a community park and a walking path connecting directly to Deception Pass State Park—perfect for hiking, exploring, and enjoying the Pacific Northwest lifestyle.

637 Cranberry Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$4,500,000
4 Beds ⋅ 2 Baths ⋅ 2568383 MLS ⋅ ACTIVE Status
Incredible opportunity to own 128 acres on 5 parcels that offer many features for cattle/livestock operation with no conservation easement. Currently operating to raise heifers, but was a former dairy farm. Water rights offer 90 acres of irrigation. 9 loafing sheds of various sizes ranging from 3,000 sq. ft. to 5,600 sq. ft. along with 3 barns between 3,968 to 10,928. Topography allows for significant privacy. Water views of Penn Cove to the south. Significant storage space. Massive shop with office, break room, mezzanine with shelving for equipment and parts. Main home offers 3,742 sq. ft. with 4 bedrooms and 2 bathrooms. Located between downtown Oak Harbor and Coupeville. Delaurentis Airport nearby for regional flights and hangers for private pilots. Ideal for those looking to operate a successful farm near all desirable amenities. Come view this property before its gone.

1240 Arnold Road, Oak Harbor

Listing courtesy of American Dream R. E. Services.

$345,900
2 Beds ⋅ 2 Baths ⋅ 2564772 MLS ⋅ ACTIVE Status
Beautiful Condo water view to be SOLD AS-IS 1,530 SF 2 Beds, 1.75 Baths. plus a Bonus Room, you may use it for your Office etc. Balcony, one car garage, Title kitchen Counter tops, garbage disposal, elevator, trash compactor, security Gate, en unit condo, include all appliances, DW/D, mini blinds stay, new water heater 2026, trails to City Beach Restaurant, store, College, Commissary all with walking distance etc, etc.

651 SE Bayshore . Drive Unit #B201, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$425,000
3 Beds ⋅ 2 Baths ⋅ 2557544 MLS ⋅ ACTIVE Status
FIND THE SPACE YOU'VE BEEN LOOKING FOR WITHOUT GIVING UP THE CONVENIENCE OF TOWN. Nestled on nearly half an acre at the end of a quiet cul-de-sac, this 3-bedroom, 2-bath rambler offers wooded privacy with shopping, dining and everyday conveniences just minutes away. Fresh interior paint brightens the home, while the functional one-level layout provides an opportunity to add your own style. SELLER CREDIT IS AVAILABLE TOWARD FLOORING REPLACEMENT, giving buyers the flexibility to choose flooring that works for their taste and needs. Outside, enjoy room to garden, play or relax around the backyard fire pit. Located less than 15 minutes from NAS Whidbey, downtown Oak Harbor, schools and restaurants, you'll have an easy commute while coming home to a peaceful wooded setting. BUYERS ASK: Is this home all on one level? Yes—3 bedrooms and 2 bathrooms are on one level. Can I choose my own flooring? Yes—the seller is offering a credit toward flooring replacement, allowing you to select a style that works for you. What makes this home stand out? Nearly half an acre, a quiet cul-de-sac, wooded privacy and convenient access to Oak Harbor and NAS Whidbey. Come see the space, privacy and potential this home offers.

4511 Woodland Circle, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$515,000
4 Beds ⋅ 3 Baths ⋅ 2562101 MLS ⋅ ACTIVE Status
Spacious 4-bedroom, 3-bath split-level home on a desirable corner lot with beautiful views of Oak Harbor and the bay. Updated kitchen cabinetry w/ mobile island & covered deck off the dining room make everyday living & entertaining a breeze. Fully fenced for privacy with direct access to community greenbelt just beyond the backyard, the lot offers plentiful garden spaces & abundant storage. The lower level features a 3/4 bath, additional living space & bedroom—ideal for multigenerational living/guest quarters or added rental income. This property offers incredible potential to customize and make it your own in a sought-after location with scenic surroundings. Centrally located near shops, schools, restaurants & NAS Whidbey.

1127 SW Fairhaven Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$485,000
3 Beds ⋅ 3 Baths ⋅ 2562565 MLS ⋅ ACTIVE Status
Nestled in the heart of Oak Harbor’s coastal community, this beautifully crafted new-construction townhome combines timeless materials, modern amenities, and thoughtful design. Built by award-winning general contractor Volonta Corporation, this home includes a 1-year builder warranty for added peace of mind. Enjoy an easy walk to the waterfront, schools, shopping, dining, and everyday amenities from this centrally located neighborhood. Inside, elevated finishes include solid Acacia hardwood flooring, Italian porcelain tile, polished quartz countertops, and custom millwork throughout. Every detail has been selected to create a comfortable, stylish, and enduring home. Take advantage of builder-preferred financing through CMG Home Loans, with potential incentives tailored to your needs. Contact the listing agent for complete financing and incentive details. Listing photos depict Unit A2. Unit A1 offers a similar layout; finishes, features, and details may vary.

55 NE Kettle Street Unit #A2, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

$485,000
3 Beds ⋅ 3 Baths ⋅ 2562516 MLS ⋅ ACTIVE Status
Nestled in the heart of Oak Harbor’s coastal community, this beautifully crafted new-construction townhome combines timeless materials, modern amenities, and thoughtful design. Built by award-winning general contractor Volonta Corporation, this home includes a 1-year builder warranty for added peace of mind. Enjoy an easy walk to the waterfront, schools, shopping, dining, and everyday amenities from this centrally located neighborhood. Inside, elevated finishes include solid Acacia hardwood flooring, Italian porcelain tile, polished quartz countertops, and custom millwork throughout. Every detail has been selected to create a comfortable, stylish, and enduring home. Take advantage of builder-preferred financing through CMG Home Loans, with potential incentives tailored to your needs. Contact the listing agent for complete financing and incentive details. Listing photos depict Unit A2. Unit A1 offers a similar layout; finishes, features, and details may vary.

55 NE Kettle Street Unit #A1, Oak Harbor

Listing courtesy of Coldwell Banker Bain.

$838,000
4 Beds ⋅ 3 Baths ⋅ 2558891 MLS ⋅ ACTIVE Status
Nestled on 2.27 private acres of lush, open grounds, this beautiful four-year-old home offers the tranquility of country living just minutes from city conveniences. The inviting living room flows seamlessly into the stunning chef's kitchen, featuring dual ovens, a large gas cooktop, solid surface countertops, abundant cabinetry, a spacious center island, and an adjoining dining area perfect for gathering and entertaining. The main-level primary suite provides a peaceful retreat with a walk-in closet and a luxurious ensuite bath featuring a jetted tub. Upstairs, you'll find three additional bedrooms, including one with a private balcony, a generous bonus room, and a full bath, offering flexible living space for guests or a home office. Step outside to a large deck designed for outdoor entertaining while enjoying the peaceful surroundings. Additional features include a spacious two-car garage, heat pump, wired gas on-demand generator, and wiring for an electric vehicle charger. A rare opportunity to enjoy privacy, space, and modern conveniences in one exceptional property. This is a must-see!

1012 Star Flower Road, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

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