Oak Harbor Homes with USDA Loan Terms

Oak Harbor Homes with USDA Loan Terms

Welcome to Oak Harbor, a charming city nestled in Island County, Washington, USA. Known for its picturesque surroundings and small-town charm, Oak Harbor offers a unique blend of natural beauty and modern conveniences.

This vibrant neighborhood is perfect for those looking to settle down in a peaceful and welcoming community. With a range of amenities such as parks, shops, and restaurants, Oak Harbor has something for everyone.

If you're looking to purchase a home in Oak Harbor, you'll be pleased to know that there are options available with USDA loan terms. This can be a great opportunity for those who qualify for this type of loan, offering favorable terms and making homeownership more accessible.

Whether you're a first-time homebuyer or looking to relocate to a new area, Oak Harbor has a lot to offer. From its friendly community to its beautiful surroundings, this neighborhood is the perfect place to call home. Explore the real estate options in Oak Harbor today and discover the beauty and charm of this unique city in Washington State.

Newest Oak Harbor Homes with USDA Loan Terms

$421,000
3 Beds ⋅ 1 Baths ⋅ 2573965 MLS ⋅ ACTIVE Status
Welcome to 988 Ridgeway Dr! This charming 3-bedroom, 1-bath rambler offers comfortable single-level living with thoughtful updates and exceptional outdoor space. The inviting living room features a cozy gas fireplace, while the kitchen offers oak cabinetry with convenient pull-out drawers and an adjoining dining area with a slider leading to the large deck—perfect for entertaining or enjoying summer evenings outdoors. The updated bathroom adds to the home's move-in-ready appeal. Outside, you'll find a spacious fenced backyard with plenty of room to garden, play, relax, or create your own outdoor retreat. A 16' x 20' powered shop provides valuable workspace and storage, complemented by an additional 10' x 10' shed, covered carport, and RV parking. Situated on approximately .29 acres in an established Oak Harbor neighborhood, this property offers a great combination of indoor comfort, versatile outbuildings, and usable outdoor space. Conveniently located near Fort Nugent Park, shopping, dining, and just a short drive to NAS Whidbey Island. Whether you're looking for your first home, a place with room for hobbies and projects, or simply a property with excellent outdoor potential, 988 Ridgeway Dr is ready to welcome you home.

988 Ridgeway Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$522,500
3 Beds ⋅ 1 Baths ⋅ 2573024 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom home with an incredible outdoor setting! The stylish kitchen features shaker cabinetry, quartz countertops, stainless steel appliances and updated lighting, while the modern bath is conveniently located adjacent to the primary bedroom. Enjoy year-round comfort with high-end double-pane windows and A/C. Gather around the cozy fireplace in the spacious living room or step outside to the showstopping backyard. Fully fenced with charming farmhouse-style hog wire fence panels, this private, terraced retreat offers a large lawn, expansive patio and plenty of space to entertain, garden, play or simply unwind. A 1-car garage plus additional space for RV parking and recreational toys adds versatility. Tucked into a private setting while still convenient to Oak Harbor amenities and not located in the flight path, this property offers beautiful outdoor living, thoughtful updates, zero down payment financing options, and low property taxes—a combination that's hard to find!

1808 Wellington Drive, Oak Harbor

Listing courtesy of John L. Scott Skagit.

$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.

$850,000
3 Beds ⋅ 3 Baths ⋅ 2557028 MLS ⋅ ACTIVE Status
Discover the perfect blend of peaceful country living and everyday convenience on this exceptional +|- 4.93-acre equestrian property. Designed with horse enthusiasts in mind, the level acreage features approximately 2 acres of fenced pasture, a run-in shelter, garden space, fruit trees, and room to roam. Enjoy beautiful bay, mountain, and territorial views from the front of the home. Inside, soaring vaulted ceilings, abundant natural light, hardwood floors, and a cozy gas fireplace create a warm and inviting atmosphere. The spacious kitchen offers generous prep space and opens to the living and dining areas, making entertaining effortless. The primary suite features a private bath with jetted tub and walk-in closet. Complete with a 3-car garage, RV parking, deck, patio, and located just across from NAS Whidbey and minutes from downtown Oak Harbor, this property offers the ideal balance of privacy, functionality, and convenience.

130 W Crescent Harbor Road, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$1,525,000
3 Beds ⋅ 3 Baths ⋅ 2555472 MLS ⋅ ACTIVE Status
Experience privacy and luxury living on your own 4+ private acres with breathtaking saltwater and territorial views with unforgettable sunrises all in the coveted Lee’s Passage, gated, 85 acre development with its own private trail system. This beautifully maintained newer, custom built home showcases quality craftsmanship, a spacious open-concept design, soaring ceilings, custom cabinets, ample storage throughout and abundant natural light. The main level features 2 bedrooms, a den/office or music room. The luxurious main-level primary suite has two walk-in closets, an ensuite bath with shower and large soaking tub. The upstairs bedroom and sitting area is naturally light and spacious with its own full bath. The generous living spaces are designed for both everyday comfort and entertaining. A true chef’s kitchen features stainless steel appliances including a Viking Range and Dishwasher, granite countertops and an extra- large island and walk in pantry provide plenty of storage for your kitchen equipment. Enjoy the peaceful setting, large, covered deck, community trails, and room to add a shop or outbuilding or horses. A rare opportunity to own a private Pacific Northwest retreat where luxury, comfort, and nature come together.

2115 Chinook Ridge Lane, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$569,999
5 Beds ⋅ 4 Baths ⋅ 2553885 MLS ⋅ ACTIVE Status
Welcome home to this charming tri-level Craftsman, tucked into a quiet cul-de-sac in Oak Harbor's established Springtree neighborhood. With 4 bedrooms, 2.5 baths, and 1,950 +/- sq ft of versatile living space, there's room here for everyone. Classic brick accents and an inviting covered entry welcome you inside, where the bright main floor flows from the living room—anchored by a handsome brick fireplace with efficient wood insert—into the dining room and a cheerful kitchen with crisp white cabinetry, stainless appliances, and a center island cooktop. A slider off the dining area leads to the backyard for easy indoor-outdoor living. Upstairs are three bedrooms, including the primary with its own bath and jetted tub. Downstairs, the lower level offers a fourth bedroom, half bath, and its own kitchen and separate living area with a slider to the yard—ideal for multigenerational living or possible second income. Outside is where this home truly shines: a huge, fully fenced 0.25 +/- acre backyard framed by towering evergreens, with patio space, room to garden and play, and total Pacific Northwest charm. Hardiplank siding, vinyl windows, and an attached 2-car garage complete the package. All this just blocks from Broad View Elementary and Spring Tree Park, and minutes to downtown Oak Harbor, beaches, and NAS Whidbey. Come experience the best of Whidbey Island living—schedule your showing today!

1113 SW 2nd Avenue, Oak Harbor

Listing courtesy of RE/MAX Gateway.

$413,000
3 Beds ⋅ 1 Baths ⋅ 2551984 MLS ⋅ ACTIVE Status
Welcome to this charming and versatile home, perfectly positioned on the outskirts of town just moments from the highly sought-after Ft. Nugent Park. Whether you’re a first-time buyer or investor, this property offers an exceptional opportunity in a peaceful, low-traffic neighborhood with convenient access to parks, schools, local amenities, and NAS Whidbey. Inside, you’ll find a bright and inviting open-concept living space complemented by updated flooring and an efficient natural gas furnace for year-round comfort. The adjoining dining area flows seamlessly to a covered back patio, creating an ideal setup for indoor-outdoor living and entertaining. With a roof updated in 2023, this home is move-in ready with key improvements already done. Step outside to a spacious, fully fenced backyard designed for both relaxation and functionality. Enjoy the charm of a mature cherry tree that produces an abundance of fruit, along with a whimsical treehouse, two generously sized storage sheds, and plenty of room for gardening, recreation, or future enhancements. This property blends comfort, character, and potential—ready for you to make it your own.

1112 Ridgeway Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$475,000
3 Beds ⋅ 3 Baths ⋅ 2544978 MLS ⋅ ACTIVE Status
Experience affordable luxury at Oak Harbor’s newest and most conveniently located townhome community. Built by S Albert Construction, these thoughtfully designed homes offer quality craftsmanship and modern finishes throughout. Enjoy an oversized garage, a spacious open-concept living area with durable vinyl plank flooring, 9-ft ceilings, high-efficiency heating and cooling + a private balcony retreat. The kitchen shines with granite countertops, quality cabinetry, and abundant storage—perfect for everyday living. Upstairs, you’ll find three generously sized bedrooms, including a beautiful main suite. All of this comes wrapped in a brand-new, low-maintenance package with a yard area and an unbeatable location close to shopping, dining, and NAS Whidbey. A perfect blend of comfort, style, and convenience! *Early buyers will have selection options for colors/cabinets/etc. Photos show color scheme options.

945 NW Heller Street Unit #A1, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$1,200,000
3 Beds ⋅ 3 Baths ⋅ 2539626 MLS ⋅ ACTIVE Status
Experience refined coastal living in this custom-built waterfront retreat featuring 100 feet of highly desirable low- to no-bank shoreline & sweeping, unobstructed views of the bay, Cascade Mountains, Hope Island, & the La Conner Channel. Watch the Victoria Clipper & sailboats pass by while enjoying abundant wildlife, including eagles overhead plus Blue Herons and sea otters along the shoreline. This thoughtfully designed single-level home offers 3 bdrm’s plus a versatile den or office just off the entry. Expansive windows frame stunning water views from nearly every room, capturing both vibrant sunrises & sunsets, along with the iconic alpenglow on Mt. Baker. Full-length view deck creates seamless indoor-outdoor living, ideal for relaxing in a peaceful waterfront setting. Open-concept kitchen is well-appointed with SS appliances & Corian countertops, flowing effortlessly into the main living areas—perfect for hosting or preparing the day’s fresh catch. Peaceful, low-traffic waterfront community, residents enjoy access to a nearby boat launch for crabbing & salmon fishing, scenic walking paths around the lagoon, & a private community clubhouse. Terraced in front for added privacy, with ample parking above & along the side of the home, providing plenty of space for boats & recreational vehicles. Spacious backyard offers endless possibilities for outdoor living & entertaining. Included parcel across the street, home to the offsite septic mound, offering future flexibility.

639 E Beacon View Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$465,000
3 Beds ⋅ 3 Baths ⋅ 2526916 MLS ⋅ ACTIVE Status
Experience affordable luxury at Oak Harbor’s newest and most conveniently located townhome community. Built by S Albert Construction, these thoughtfully designed homes offer quality craftsmanship and modern finishes throughout. Enjoy an oversized garage, a spacious open-concept living area with durable vinyl plank flooring, 9-ft ceilings, high-efficiency heating and cooling + a private balcony retreat. The kitchen shines with granite countertops, quality cabinetry, and abundant storage—perfect for everyday living. Upstairs, you’ll find three generously sized bedrooms, including a beautiful main suite. All of this comes wrapped in a brand-new, low-maintenance package with a yard area and an unbeatable location close to shopping, dining, and NAS Whidbey. A perfect blend of comfort, style, and convenience!

945 NW Heller Street Unit #C3, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$465,000
3 Beds ⋅ 3 Baths ⋅ 2526933 MLS ⋅ ACTIVE Status
Experience affordable luxury at Oak Harbor’s newest and most conveniently located townhome community. Built by S Albert Construction, these thoughtfully designed homes offer quality craftsmanship and modern finishes throughout. Enjoy an oversized garage, a spacious open-concept living area with durable vinyl plank flooring, 9-ft ceilings, high-efficiency heating and cooling + a private balcony retreat. The kitchen shines with granite countertops, quality cabinetry, and abundant storage—perfect for everyday living. Upstairs, you’ll find three generously sized bedrooms, including a beautiful main suite. All of this comes wrapped in a brand-new, low-maintenance package with a yard area and an unbeatable location close to shopping, dining, and NAS Whidbey. A perfect blend of comfort, style, and convenience! *Early buyers will have selection options for colors/cabinets/etc. Photos show color scheme options.

945 NW Heller Street Unit #A2, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$465,000
3 Beds ⋅ 3 Baths ⋅ 2502158 MLS ⋅ ACTIVE Status
Experience affordable luxury at Oak Harbor’s newest and most conveniently located townhome community. Built by S Albert Construction, these thoughtfully designed homes offer quality craftsmanship and modern finishes throughout. Enjoy an oversized garage, a spacious open-concept living area with durable vinyl plank flooring, 9-ft ceilings, high-efficiency heating and cooling + a private balcony retreat. The kitchen shines with granite countertops, quality cabinetry, and abundant storage—perfect for everyday living. Upstairs, you’ll find three generously sized bedrooms, including a beautiful main suite. All of this comes wrapped in a brand-new, low-maintenance package with a yard area and an unbeatable location close to shopping, dining, and NAS Whidbey. A perfect blend of comfort, style, and convenience! *Early buyers will have selection options for colors/cabinets/etc on select units.

945 NW Heller Street Unit #C2, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

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