Port Orchard Homes with USDA Loan Terms

Port Orchard Homes with USDA Loan Terms

Located in Kitsap County, Washington, Port Orchard is a charming city that offers a wonderful place to call home. Situated in the beautiful Pacific Northwest region of the United States, Port Orchard provides a great mix of natural beauty, small-town charm, and convenient amenities.

The city of Port Orchard is known for its picturesque waterfront, offering stunning views of the Sinclair Inlet and the Olympic Mountains. Residents can enjoy activities such as boating, fishing, and kayaking, making it a haven for outdoor enthusiasts. The city also boasts several parks and green spaces, providing ample opportunities for hiking, picnicking, and enjoying nature.

One of the advantages of living in Port Orchard is the availability of homes with USDA loan terms. The USDA loan program provides financing options for eligible homebuyers in rural and suburban areas. These loans offer competitive interest rates and flexible terms, making homeownership more accessible for individuals and families.

Whether you're looking for a cozy single-family home or a spacious property with acreage, Port Orchard has a diverse range of housing options to suit every lifestyle and budget. From historic homes with character to modern new constructions, there is something for everyone in this vibrant community.

With its small-town charm, natural beauty, and access to USDA loan terms, Port Orchard is an ideal place to settle down and call home. Experience the best of Washington living in this welcoming city nestled in Kitsap County.

Newest Port Orchard Homes with USDA Loan Terms

$810,000
4 Beds ⋅ 2 Baths ⋅ 2573648 MLS ⋅ ACTIVE Status
Step into the charm of a beautifully remodeled 1930s farmhouse set on 1.66 acres, thoughtfully designed for comfortable living and a true mini-farm lifestyle. This 4-bedroom, 2-bath home blends timeless farmhouse character with modern updates. The upper level is dedicated to an impressive primary suite, complete with a luxurious five-piece ensuite bath with soaking tub, shower and dual sinks - your own peaceful retreat at the end of the day. Highlights include a spacious kitchen with stone countertops, high-end stainless appliances, large breakfast bar, and a butler's pantry. An open floor plan on main level with 3-bedrooms and full bathroom, living & dining rms and cozy wood-burning fireplace. Outside, the possibilities are endless with an entertainment size deck, detached garage and carport. The fully fenced and gated property features a barn with four stalls, chicken coop, fully cross-fenced pastures - perfect for goats and other farm animals. Plenty of room for gardens to grow your own produce, along with fruit trees - cherry, pear, hazelnut and plum, while generous RV and boat parking provides room for all your recreational toys, including electrical vehicle and RV plug-in. With its combination of classic farmhouse appeal, stylish updates, usable acreage, and versatile outbuildings, this property offers a rare opportunity to embrace the mini-farm lifestyle without sacrificing comfort and amenities. Close to nature trails, schools, shops and Navy bases. Welcome HOME!

5253 Banner Road SE, Port Orchard

Listing courtesy of John L. Scott, Inc..

$537,995
4 Beds ⋅ 3 Baths ⋅ 2573150 MLS ⋅ ACTIVE Status
Welcome to phase 4 of D.R. Horton's Stetson Heights, our new home community in Port Orchard. Great home site with a generous size backyard. The SHERWOOD has everything you need w/ lots of natural light throughout. 4 bedroom, 2.5 bath w/ all the luxury of a new home. Open entry & spacious hallway leads to your great room. Entertain easily within your kitchen, dining & living space all together. Enjoy the kitchen island, slab quartz counters, lots of storage & large bright windows. Utility room upstairs w/ all 4 bedrooms. Private suite boasts separate bath & walk-in closet. Fully landscaped backyard, Close to championship golf courses. Buyers must register their broker on site at first visit including open houses. A/C too! November completion

5908 Addison Road SW Unit #97, Port Orchard

Listing courtesy of D.R. Horton.

$484,995
3 Beds ⋅ 3 Baths ⋅ 2573148 MLS ⋅ ACTIVE Status
Welcome to phase 4 at Stetson Heights Port Orchard. The Bristol is a fabulous open design featuring a large great room, stainless appliances, & 9' ceilings to let in natural light. Upstairs boasts 3 bedrooms, 2 bathrooms, and utility room. Fully landscaped backyard, central A/C, key pad and smart home features! Enjoy beautiful scenic nature views at Stetson Heights. In downtown Port Orchard, historic Bay Street offers quaint shops & casual to fine dining restaurants to explore. The Port Orchard waterfront and marina feature a great place for walks and fun community events. Ask about special interest rate and incentive with DHI Mortgage for qualified Buyers. Buyers must register their broker on site on the first visit including open houses. late November completion

5829 Ivanoff Lane SW Unit #65, Port Orchard

Listing courtesy of D.R. Horton.

$614,995
5 Beds ⋅ 3 Baths ⋅ 2571610 MLS ⋅ ACTIVE Status
Welcome to phase 4 DR Horton at Stetson Heights, our new home community in gorgeous Port Orchard. The timeless CAMBRIDGE boasts a wonderful great room design w/ a large kitchen island, gas cooking w/ stainless appliances, slab quartz counters, soft-close cabinets, eating nook, & dining room. Upstairs, you'll love the 5 bedrooms (or turn the bonus into a fifth bedroom), 2 baths, and utility room. A/C and smart home features included! Fully landscaped. Enjoy open spaces, scenic views, majestic sunrise & sunsets at Stetson Heights. The Port Orchard waterfront and marina is a great place for community events. Buyers must register their broker on their first visit.

5910 Ivanoff Lane SW Unit #19, Port Orchard

Listing courtesy of D.R. Horton.

$475,000
3 Beds ⋅ 2 Baths ⋅ 2567183 MLS ⋅ ACTIVE Status
Welcome home to this charming Craftsman-style home with a daylight basement, tucked against a private wooded backdrop. Abundant windows fill the home with natural light, while the spacious entertaining deck creates the perfect place to relax, gather, and enjoy the peaceful surroundings. Featuring 3 bedrooms, 2 bathrooms, and plenty of storage throughout, the home offers a comfortable and functional layout. Outside, enjoy a fenced front yard with level lawn space and a backyard surrounded by mature trees for added privacy. A newer 30-year architectural roof, heat pump, and central air conditioning provide comfort and peace of mind year-round. Enjoy quiet, tucked-away living while still being conveniently close to downtown, shopping, dining, and everyday amenities.

918 Taylor Street E, Port Orchard

Listing courtesy of Keller Williams Greater 360.

$499,995
4 Beds ⋅ 3 Baths ⋅ 2566727 MLS ⋅ ACTIVE Status
Welcome to phase 4 at Stetson Heights Port Orchard. 4 bedrooms for under 500K. Fantastic mountain view home site! The Bradford is a fabulous open design featuring a large great room, stainless appliances and a great home site. Upstairs boasts 4 bedrooms, 2 bathrooms, and utility room. Fully landscaped backyard, central A/C, key pad and smart home features. Enjoy beautiful scenic nature views at Stetson Heights. In downtown Port Orchard, historic Bay Street offers quaint shops & casual to fine dining restaurants to explore. The Port Orchard waterfront and marina feature a great place for walks and fun community events. Ask about special interest rate and incentive with DHI Mortgage for qualified Buyers. Buyers must register their broker on site on the first visit including open houses. End of October completion.

5820 Ivanoff Lane SW Unit #11, Port Orchard

Listing courtesy of D.R. Horton.

$549,995
4 Beds ⋅ 3 Baths ⋅ 2553800 MLS ⋅ ACTIVE Status
Welcome to phase 4 of D.R. Horton's Stetson Heights, our new home community in Port Orchard. Home site 99 is one of our biggest home sites with amazing flat backyard. The BERKSHIRE has everything you need w/ lots of natural light throughout. 4 bed + office, 2.5 bath w/ all the luxury of a new home. Open entry & spacious hallway leads to your great room. Entertain easily w/ your kitchen, dining & living space all together. Enjoy the kitchen island, slab quartz counters, lots of storage & large bright windows. Main floor office makes working from home very easy! Utility room upstairs w/ all 4 bedrooms. Private suite boasts separate bath & walk-in closet. Fully landscaped yards and close to championship golf courses. Buyers must register their broker on site at first visit including open houses. A/C too! LATE SEPTEMBER COMPLETION!

5924 Addison Road SW Unit #99, Port Orchard

Listing courtesy of D.R. Horton.

$499,900
3 Beds ⋅ 3 Baths ⋅ 2551884 MLS ⋅ ACTIVE Status
Not every split-level feels this connected, to the outdoors or to the way people actually live. The layout naturally separates the main living areas from the lower level, giving everyone room to spread out without feeling disconnected. A floor-to-ceiling brick fireplace on each level adds character, while all three bedrooms and two bathrooms are conveniently located upstairs. Downstairs, the 754 square foot oversized bonus room offers the flexibility to become an additional living room, home office, media room, workout space, hobby room, or whatever works best for you. Step outside from the kitchen onto a spacious deck that overlooks the fully fenced backyard and creates an easy transition between indoor and outdoor living. The backyard is also accessible from the lower-level bonus room, garage, and gates on both sides of the property. Mature evergreens, a storage shed, direct access to a walking trail, and plenty of open space make it just as enjoyable for entertaining as it is for everyday use. The covered area beneath the deck also provides a convenient place to gather when the PNW rain rolls through. Conveniently located just 1.8 miles to Hwy 16, 3.5 miles to Long Lake Park, 7.2 miles to the Southworth Ferry, and 9.3 miles to PSNS, with shopping, dining, and everyday conveniences nearby. Comfortable to enjoy today, with plenty of opportunity to make it your own over time.

5194 Granada Place SE, Port Orchard

Listing courtesy of Windermere RE West Sound Inc..

$559,995
4 Beds ⋅ 3 Baths ⋅ 2543287 MLS ⋅ ACTIVE Status
Home of the week! Refrigerator included. New price. Welcome to Phase 4 at Stetson Heights by DR Horton in Port Orchard! Stunning view from this home up on top of the ridge of phase 4. The Hawthorne is a fabulous open design featuring a large great room, island kitchen w/ slab quartz counters, stainless appliances, & huge walk in pantry. Upstairs boasts 4 bedrooms, 2 bathrooms, and utility room. Fully landscaped backyard, central A/C, key pad and smart home features! Enjoy beautiful scenic nature views at Stetson Heights. In downtown Port Orchard, historic Bay Street offers quaint shops & casual to fine dining restaurants to explore. World class golf courses nearby. The Port Orchard waterfront and marina feature a great place for walks and fun community events. Buyers must register their broker on site on the first visit including open houses. Late August completion.

5851 Ivanoff Lane SW Unit #62, Port Orchard

Listing courtesy of D.R. Horton.

$478,000
3 Beds ⋅ 3 Baths ⋅ 2535850 MLS ⋅ ACTIVE Status
Brand new 3 bedroom 2+ bathroom home w/two car garage on a .20 acre, partially fenced low maintenace yard. Home features LVP flooring, S/S appliances, slab quartz counter tops, white painted mill work, and designer kitchen finishes. Ductless mini split for energy efficent heating and A/C. Open concept floor plan w/large bonus room. Home is complete and ready for new owners. Great location, easy access to ferry, schools, and shopping. Peak-a-boo saltwater views.

7828 E Jessica Way, Port Orchard

Listing courtesy of All in One Real Estate.

$445,000
3 Beds ⋅ 2 Baths ⋅ 2513306 MLS ⋅ ACTIVE Status
Enjoy comfortable living in this well-located 3 bed, 1.5 bath two-story home, nestled in a quiet, established neighborhood with a welcoming feel. Conveniently situated near Hwy 16 and PSNS, commuting and daily errands are a breeze while still offering a peaceful, low-traffic setting to come home to. Inside, the home has been tastefully updated with durable vinyl plank flooring and refreshed trim upstairs, creating a clean, modern look. The functional layout provides easy everyday living with inviting spaces to relax or gather. Step outside to one of the larger backyards in the area—fully fenced and perfect for pets, play, or entertaining. With its combination of space, updates, and prime location, this home offers both comfort and convenience in one smart package.

1276 SE Casandra Loop, Port Orchard

Listing courtesy of Windermere PeninsulaProperties.

$1,300,000
4 Beds ⋅ 4 Baths ⋅ 2504498 MLS ⋅ ACTIVE Status
Don’t walk, run to make this home yours! Only 1 home left on large acreage sites tucked away from the hustle yet close enough to all the amenities. This 2700 sqft craftsman rambler sits on 5.5 wooded acres in McCormick Woods & comes with an oversized 3 car garage. An open concept living space with a massive covered deck overlooking your private backyard provides you with all the feel good comforts of PNW living. Back deck is prepped for an outdoor kitchen area, with a setup for a TV; perfect for entertaining! The home comes with many high end builder upgrades, such as, double oven, gas cook top, built in central vac system, & other exquisite features that you'll just have to come check out for yourself. Builder is offering a $10,000 credit for using preferred lender! *terms apply

3350 McCary Road SW, Port Orchard

Listing courtesy of Disney Real Estate.

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