Ocean Shores Homes with USDA Loan Terms

Ocean Shores Homes with USDA Loan Terms

Ocean Shores, located in Grays Harbor County, Washington, is a charming coastal city that offers a unique blend of natural beauty and small-town charm. This beachside community is known for its stunning ocean views, pristine sandy beaches, and abundant wildlife. With a population of around 6,000 residents, Ocean Shores provides a peaceful and relaxed atmosphere for those looking to escape the hustle and bustle of city life.

One of the advantages of living in Ocean Shores is the availability of homes with USDA loan terms. The USDA loan program is designed to help low to moderate-income families achieve their dream of homeownership in eligible rural areas. By offering low-interest rates and flexible credit requirements, the USDA loan program makes it easier for buyers to purchase a home in Ocean Shores.

With USDA loan terms, buyers can enjoy affordable monthly payments and potentially finance 100% of the home's purchase price. This is particularly beneficial for first-time homebuyers or those with limited savings for a down payment. Additionally, the USDA loan program allows for financing of closing costs, making it even more accessible for buyers.

Whether you're looking for a cozy beach cottage or a spacious family home, Ocean Shores has a variety of properties that qualify for USDA loan terms. From beachfront properties to homes nestled among the lush greenery, there is something for everyone in this picturesque coastal town.

If you're considering buying a home in Ocean Shores, exploring the options available with USDA loan terms can be a smart financial move. Take advantage of the affordability and flexibility offered by this loan program and make your dream of owning a home in Ocean Shores a reality.

Newest Ocean Shores Homes with USDA Loan Terms

$445,000
3 Beds ⋅ 3 Baths ⋅ 2574534 MLS ⋅ ACTIVE Status
Freshly updated and renovated, ready for new owners! This house is located in a cul-de-sac right near Duck Lake parks & boat launches, in the quiet part of the Ocean Shores peninsula. On the main level there are 2 bedrooms-one that can be used as second primary with 3/4 ensuite bath, a shared full bath, living room, dining room & kitchen. The spacious primary suite is above the garage with vaulted ceilings & skylights, a large deck, 3/4 bathroom. Fresh & new features include: interior paint, fixtures, flooring, appliances, heaters, electric fireplace, exterior paint, landscaping, kitchen cabinets, front porch, deck off primary. This home could work well for full time living or a 2nd home at the beach, new owners will enjoy amenities of the OS Community club.

616 Aster Court SE, Ocean Shores

Listing courtesy of Spivey Realty Group, LLC.

$300,000
2 Beds ⋅ 1 Baths ⋅ 2575064 MLS ⋅ ACTIVE Status
Move in ready, easy to own, easy to maintain and designed for year-round coastal living. This thoughtfully built NW Contemporary home offers bright, comfortable living on a quiet street, with convenient access to the beach and downtown Ocean Shores. Built with the Pacific Northwest climate in mind, the home features durable, low-maintenance materials including cement plank siding and trim, aluminum fascia covers and premium acrylic exterior paint. Inside, the open-concept living area feels bright and spacious, with tall vaulted ceilings and southern-facing highlight windows designed to bring in natural light during the darker winter months. Quality finishes include: luxury vinyl plank flooring, upgraded Quartz slab countertops, soft-close cabinetry, electric fireplace, ductless heat pump for efficient heating and cooling, fully tiled step-in shower, separate soaking tub and dedicated laundry room. Outside, enjoy the natural beauty and wildlife of the Ocean Shores Peninsula. A generous driveway provides ample parking, while full RV hookups with 50-amp power add flexibility for guests and recreational use. Ideal as a full-time residence, weekend retreat or lock-and-leave second home - comfortable coastal living without the upkeep of a larger property.

435 Orion Avenue SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$365,000
3 Beds ⋅ 2 Baths ⋅ 2571979 MLS ⋅ ACTIVE Status
Beach living in Ocean Shores! Located just across from the dunes and Pacific Ocean, this 3 bedroom, 2 bath home offers 1,480 sq ft and plenty of that classic beach house feel. Step inside to an open living, dining and kitchen area with vaulted ceilings, a wood stove and large front windows that bring in tons of natural light. Two bedrooms and a full bath are located on the main floor, while the upstairs primary suite gives you your own space along with views toward the ocean.Sit out on the front porch with your morning coffee, watch the sunsets, or head out to one of the nearby beach entrances and spend the day on the sand. The fenced yard and gated driveway give you plenty of room outside, plus a garage and RV parking.Located on the quieter south end of Ocean Shores near the North Jetty, Damon Point, parks, beach access and miles of coastline to explore. Home is in the Ocean Shores Community Club, with amenities throughout town including indoor and outdoor pools, hot tub, saunas, fitness room, basketball and tennis courts, pickleball, playgrounds, parks and more.Whether you're looking for a full time home, weekend getaway or your own place at the beach, this one has so much to offer!

1050 Ocean Shores Boulevard, Ocean Shores

Listing courtesy of CENTURY 21 Real Estate Center.

$349,000
3 Beds ⋅ 2 Baths ⋅ 2558526 MLS ⋅ ACTIVE Status
Bring your golf clubs and enjoy this beautifully maintained three-bedroom, 1 3/4-bath home located directly on the Ocean Shores Golf Course just off the 8th tee. Enter through the formal foyer and step into the spacious open-concept living area featuring large windows with golf course views propane fireplace and NEW carpeting throughout.The generous kitchen offers title flooring large granite island with ample storage black appliances—including a new range beverage refrigerator dishwasher and side-by-side refrigerator. Two guest bedrooms share a conveniently located central full bath with custom granite vanity and additional storage. Private primary suite is located at the rear of the home and features a convenient half bath with custom granite vanity and upgrade lighting. The oversized two-car garage includes a dedicated laundry additional workshop space and a shower-perfect after an afternoon at the beach. Outdoors enjoy a fully fenced backyard, enclosed greenhouse, and a landscaped private corner with a concrete hot tub pad and electrical hookup. The front yard features attractive landscaping two electrically equipped storage sheds and RV parking with full hookups. Recent improvements include a NEW ROOF and new carpeting in 2026 and windows installed approximately three years ago. Ideally situated near the beach, lake, canals, jetty, golf course, and town amenities, this home offers the perfect opportunity to relax and enjoy the coastal Ocean Shores lifestyle.

237 Dolphin Avenue NE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$795,000
4 Beds ⋅ 3 Baths ⋅ 2560434 MLS ⋅ ACTIVE Status
Enjoy breathtaking jetty and ocean views from nearly every room of this spacious 4-bedroom 3-bath home taking advantage of spectacular coastal setting. Enter on the first floor where a two-car garage provides parking on either side of the entry. This level also includes storage room, laundry shop space and dumb waiter extending to the third floor, Second floor features luxury vinyl flooring inviting open-concept living area w/vaulted ceilings. Living room is framed by large windows overlooking the jetty and includes a wood-burning fireplace perfect for cozy evenings at the coast. Chef's kitchen offers black appliances, beautiful wraparound cabinety w/lazy Susans, walk-in pantry, eating bar and double sinks facing jetty views. Adjacent dining area has sliding glass doors to the deck to relax while watching ships and boats going to port! Primary suite has vaulted ceiling, ceiling fan glass-sliding closet doors & private bath w/step-in shower. Adjacent guest room also has vaulted ceiling & close to the central full bath. Carpeted third floor offers another primary suite w/vaulted ceilings and wall of windows overlooking the Jetty offering whale watching or pelicans soaring above the rocks searching for fish. Suite opens to shared bath w/double sinks vaulted ceilings and sky lights. Off the bath is fourth bedroom w/vaulted ceiling and sky light. Property has easy care landscaping room for RV parking and opporunity to experience beauty & tranquility of ocean life!

1497 E Ocean Shores Boulevard SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$285,000
3 Beds ⋅ 2 Baths ⋅ 2568909 MLS ⋅ ACTIVE Status
Beach-close, view-filled, and extensively updated! 3-bedroom, 2-bath Ocean Shores home is located just a few blocks from the beach and features partial views of Mt. Rainier and the jetty, plus an upper deck for enjoying the scenery. Main level includes all three bedrooms and two baths, while the lower level adds bonus space/room, laundry room, and a 2+ car carport beneath the home. A new roof, approximately 4 years old! Numerous updates include all-new appliances, fresh interior paint, new molding, flooring, lighting, and interior ceilings. Bathroom has been refreshed with new tile, vanity, and lighting. Minutes from town and close to the beach for easy access to Ocean Shores’ recreation and coastal activities. Ocean Shores community club membership provides access to two outdoor pools, indoor pool and jacuzzi, workout room, basketball court, parks, classes, and community events. Duck Lake is stocked and offers fishing opportunities.

1285 Fairwood Drive SW, Ocean Shores

Listing courtesy of John L. Scott, Inc.

$600,000
3 Beds ⋅ 2 Baths ⋅ 2565116 MLS ⋅ ACTIVE Status
Tucked away in one of Ocean Shores' most private beachfront settings, this beautifully renovated coastal home offers the perfect blend of seclusion, character, and beach living. With a direct path to the sand just steps away, you'll enjoy the peaceful sounds of the Pacific, unforgettable sunsets, and easy access to miles of shoreline—all while being just one block from the vehicle beach approach. Thoughtfully updated throughout, the home features a new roof (2024), expansive wraparound upper deck (2020), and extensive interior renovations that make it equally suited as a full-time residence or weekend getaway. Soaring ceilings with exposed original beams create warmth and architectural character, while oversized windows fill the home with natural light and capture glimpses of the coastline beyond. Outside, mature coastal landscaping surrounds the home, creating exceptional privacy rarely found this close to the beach. The fully fenced backyard offers a peaceful retreat with concrete walkways, room to entertain, and direct access toward the ocean. Whether you're enjoying your morning coffee on the deck, listening to the waves, or ending the day with another spectacular coastal sunset, this home invites you to slow down and enjoy the best of beach living. With timeless character, thoughtful updates, and an unbeatable location near the ocean, this is a rare opportunity to own a private coastal retreat in one of Ocean Shores' most sought-after neighboroods.

507 Sand Dune Avenue SW, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$289,000
2 Beds ⋅ 1 Baths ⋅ 2566703 MLS ⋅ ACTIVE Status
Your Perfect Coastal Retreat Awaits! This gorgeous two-bedroom one-bath home offers comfort and style. Arrive and find a wide driveway for ample parking along with a fenced covered area reserved for your vehicle. A storage shed provides space for gardening supplies and landscaping equipment. Stroll up the short knoll to step inside this beautifully updated home. The open-concept living area provides a bright and airy atmosphere while a large window fills the room with natural light. The inviting kitchen is perfect for entertaining with guests seated at the breakfast bar while you prepare meals. The kitchen features quartz countertops an iridescent blue backsplash propane stove stainless steel appliances and beautiful Thomasville cabinetry. Thoughtful storage features include a pull-out Lazy Susan and spacious drawers make the kitchen stylish. Enjoy meals in the dining area or take your morning coffee and dinners outside to the covered patio. Down the hallway the primary bedroom offers a convenient walk-in storage closet. Across the hall is a comfortable guestroom. Centrally located bathroom is a true showpiece featuring polished stone countertop custom lighting and glass-enclosed tub/shower. Outside the property has been landscaped with terraced rock garden and platform offering additional upper-level space. Property is fenced for privacy and peace of mind for pet owners. Unwind beneath the covered deck and enjoy peaceful coastal evenings or create your own backyard oasis.

770 Duck Lake Drive SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$285,000
3 Beds ⋅ 2 Baths ⋅ 2566872 MLS ⋅ ACTIVE Status
Located in the desirable bayside neighborhood of Ocean Shores, directly across from waterfront homes, this brand-new residence offers quality construction in a peaceful coastal setting. Situated on a spacious corner lot in a quiet residential neighborhood, you'll enjoy the tranquility of being away from the bustle of downtown while remaining just minutes from beaches, parks, dining, shopping, and the many year-round events Ocean Shores has to offer. The light-filled open-concept floor plan is thoughtfully designed with defined living spaces, featuring a spacious living room, dedicated dining area, and an expansive kitchen complete with abundant cabinetry, a large island with bar seating, and a stainless steel appliance package. The private Primary Suite offers a walk-in closet and an ensuite bath with dual vanities and a step-in shower with sliding glass doors. Two additional bedrooms and a full guest bath provide comfortable accommodations for guests. Step outside to enjoy sunny afternoons on the back deck or relax with your morning coffee on the welcoming covered front porch. The oversized corner lot provides ample space for guest and RV parking, along with endless possibilities for outdoor living, gardening, or future improvements.

227 Sunrise Avenue SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2565055 MLS ⋅ ACTIVE Status
Another ZAV Developments masterpiece in Ocean Shores! This brand new, ultra modern home showcases cutting edge design and luxury finishes throughout. With an open concept layout and soaring 9' ceilings, the space feels bright, airy, and sophisticated. Enjoy 3 bedrooms and 2 baths, a dramatic floor to ceiling fireplace, and luxury vinyl plank flooring that blends comfort with style. The 3 car garage features two striking black glass doors, adding a bold architectural statement. Set on a street of beautiful homes also built by ZAV, this property delivers the perfect mix of modern elegance and coastal charm; ready for you to move in and make it your own. Pictures are from previous build. Estimated completion is end of August.

430 Salina Cruz Avenue SW, Ocean Shores

Listing courtesy of John L. Scott, Inc..

$279,000
3 Beds ⋅ 2 Baths ⋅ 2562888 MLS ⋅ ACTIVE Status
Presale Opportunity! Be the first to own this beautifully designed home and make it your own. This single level floorplan offers 3 bedrooms - 1.75 bathrooms, an open concept living area, spacious kitchen with large island, a designated dining area and a private primary suite with walk in closet and ensuite bath. Purchase early and personalize your home by selecting interior paint, flooring and cabinet color. Situated on a level lot, just a short walk to Jetty access and minutes to parks, trails, golf course and local amenities. Photos are from a previous model and for illustration purposes only - finishes may vary.

438 S Portal Loop SW, Ocean Shores

Listing courtesy of CENTURY 21 Real Estate Center.

$559,900
3 Beds ⋅ 2 Baths ⋅ 2560315 MLS ⋅ ACTIVE Status
Experience the best of waterfront living in this brand-new Craftsman-style home situated along the canal in Ocean Shores. Designed with a focus on quality, comfort & functionality, this beautifully appointed home showcases upscale finishes & thoughtful attention to detail throughout. The bright, open living area is enhanced by soaring 9’ vaulted ceilings, a striking floor-to-ceiling fireplace feature wall & expansive 8’x12’ double sliding glass doors that open effortlessly to the outdoors. The covered waterfront patio offers a tranquil place to relax while taking in the canal views from your own backyard. The impressive designer kitchen features Quartz countertops, custom cabinetry, SS appliances, a locking beverage cooler, generous pantry & oversized island with plenty of room for entertaining. Wake up to waterside views in the luxurious primary suite, complete with picture windows & a spa-inspired 5-piece ensuite offering dual vanities, step-in shower, jetted soaking tub & spacious walk-in closet. Two additional guest bedrooms & a full guest bath provide plenty of space for visitors. Additional highlights include a dedicated laundry room, whole-house heating & cooling & a fully finished, insulated garage with EV charging wiring already in place. The oversized lot offers room to add a future shop or additional garage, while 6’ cedar privacy fencing & a dock add even more privacy, functionality & enjoyment to this peaceful waterfront property.

645 Itswoot Avenue SE, Ocean Shores

Listing courtesy of Windermere R.E. Ocean Shores.

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