Poulsbo Homes with USDA Loan Terms

Poulsbo Homes with USDA Loan Terms

Welcome to Poulsbo, a charming city nestled in Kitsap County, Washington. Known for its Scandinavian roots, Poulsbo offers a unique blend of rich history, beautiful surroundings, and a strong sense of community.

The neighborhood of Poulsbo is a picturesque and vibrant area that appeals to residents of all ages. From its quaint shops and cafes to its stunning waterfront views, Poulsbo has something for everyone. With easy access to outdoor activities such as hiking, boating, and fishing, this area is perfect for nature enthusiasts.

If you're considering buying a home in Poulsbo, you'll be pleased to know that there are options available with USDA loan terms. This type of loan offers benefits such as no down payment requirement and lower interest rates, making homeownership more accessible for those who qualify.

Whether you're looking for a cozy cottage or a spacious family home, Poulsbo has a variety of real estate options to suit your needs. With its friendly atmosphere and convenient location, Poulsbo is a wonderful place to call home. Experience the best of Pacific Northwest living in Poulsbo, where small-town charm meets modern convenience.

Newest Poulsbo Homes with USDA Loan Terms

$598,000
3 Beds ⋅ 2 Baths ⋅ 2563494 MLS ⋅ ACTIVE Status
A rare live/work opportunity in Poulsbo. This unique 3-bedroom, 2 full bath dome home sits on a sunny fully usable 1.04 acres. It offers an exceptional detached, fully permitted shop designed for much more than storage. The spacious shop includes two insulated offices plus a large garage/workshop area. This is ideal for a home-based business, contractor, studio, tradesperson, e-commerce operation, hobbyist or anyone needing dedicated workspace just steps from home. The property has previously accommodated two businesses in the past for two previous owners. The shop may also offer the opportunity to convert it into a future ADU, subject to buyer verification with the County's approval. Inside, the home features radiant floor heat on the main floor, newer appliances, a newer roof and several updates. The sellers were quite diligent with keeping their home's maintenance up-to-date. Outside you will find the spacious level yard begging for a garden, recreation and storage plus a separate detached one car garage steps from the house. Conveniently located minutes from Bangor, Silverdale, shopping, schools, recreation and the charming downtown Poulsbo.

15900 Clear Creek Road NW, Poulsbo

Listing courtesy of Paramount Real Estate Group.

$625,000
3 Beds ⋅ 2 Baths ⋅ 2559459 MLS ⋅ ACTIVE Status
Nestled on a beautifully maintained, sun-filled lot just minutes from the heart of downtown Poulsbo, this inviting rambler blends timeless comfort with thoughtful updates and everyday convenience. Pride of ownership shines throughout with extensive improvements already completed, including a newer roof, energy-efficient windows, updated flooring and paint, expansive deck, fencing, and more, giving you peace of mind from day one. Designed for effortless one-level living, the light-filled floor plan features warm finishes and inviting spaces that feel instantly like home. The spacious kitchen offers abundant cabinetry, generous prep space, and a casual dining area flowing seamlessly into the formal dining room and welcoming living room. A charming brick-faced fireplace with an electric insert adds warmth and character. The private primary suite offers a walk-in closet and ensuite bath, while two additional bedrooms & full bath provide flexibility for guests, hobbies, or a home office. Outside, enjoy an expansive deck, newer storage shed, mature landscaping, fruit trees, garden space, RV parking, and an attached two-car garage with workshop space and extra storage. Ideally located just minutes from Poulsbo's charming waterfront, boutique shopping, restaurants, parks, schools, and ferry access, this move-in-ready home offers the perfect opportunity to embrace the relaxed lifestyle that makes Poulsbo one of the Pacific Northwest's most sought-after communities.

19064 10th Avenue NE, Poulsbo

Listing courtesy of Crafted Real Estate.

$529,888
3 Beds ⋅ 2 Baths ⋅ 2549341 MLS ⋅ ACTIVE Status
Welcome to this exceptional 2023-built home at the end of a private road set on 2.14 private, wooded acres. Offering the perfect blend of modern comfort and peaceful seclusion. This 1,550-square-foot home features an open-concept design where the spacious living room flows seamlessly into the beautifully appointed kitchen, creating an ideal space for entertaining and everyday living. Fresh interior paint and like-new carpet make this home truly move-in ready. The thoughtfully designed floor plan offers three bedrooms, including a spacious primary suite with a luxurious five-piece bath and a large walk-in closet, plus a second living area perfect for a family room, home office, or flex space. Outside, enjoy the privacy and versatility of the expansive property with a 400-square-foot detached garage/shop, additional multi-purpose outbuildings, and plenty of room for hobbies, equipment, or storage. All appliances are included. Conveniently located with easy access to the Bainbridge Island Ferry, Bangor, Poulsbo Marina, shopping, dining, and more, this property offers the best of country living with modern convenience.

18142 NE Diamond Drive, Poulsbo

Listing courtesy of Windermere RE West Sound Inc..

$499,000
3 Beds ⋅ 3 Baths ⋅ 2550810 MLS ⋅ ACTIVE Status
Location, Location, Location! Just minutes from the heart of Poulsbo, this charming 1,370 sq ft two-story home sits on a spacious, sunny lot with a fully fenced backyard and an attached 2-car garage. The covered front entry welcomes you inside, where an open floor plan creates an easy, comfortable flow. The upgraded kitchen features modern finishes, a walk-in pantry, and a dedicated dining space that opens seamlessly into the large living room and a sliding glass door that steps right out onto the expansive entertainment deck — perfect for gatherings, BBQs, or simply enjoying the peaceful outdoor setting. Upstairs you’ll find three bedrooms, including a primary suite with its own private bathroom. Solar panels provide efficient power bills and a ductless mini-split heat pump provides efficient heating and cooling year-round. This sought after location offers quick access to Highway 305 and nearby ferries to Seattle, making commuting and weekend adventures a breeze. 5k seller credit to buyer.

1658 NE Cascara Court, Poulsbo

Listing courtesy of Master Management.

$587,000
3 Beds ⋅ 2 Baths ⋅ 2546140 MLS ⋅ ACTIVE Status
PRICE IMPROVEMENT+ $8,000 BUYER CREDIT! Rare opportunity to own a one-level home in Poulsbo's highly sought-after Forest Rock Hills neighborhood! This inviting 3-bedroom, 2-bath rambler features vaulted ceilings, an open floor plan, a cozy gas fireplace, and abundant natural light. The spacious kitchen offers an island, ample cabinetry, and an eat-in dining area that opens to a fully fenced backyard and patio—perfect for entertaining or relaxing. Mature palm and banana trees create a backyard unlike any other in the neighborhood. The primary suite includes a walk-in closet and private bath, while two additional bedrooms provide flexible space for guests, hobbies, or a home office. Additional highlights include a brand-new water heater and a two-car garage. Enjoy being just minutes from downtown Poulsbo, parks, schools, shopping, restaurants, ferries, Highway 3, and Naval Base Kitsap. Whether you're downsizing, looking for easier one-level living, or simply hoping to enjoy one of Poulsbo's most established neighborhoods, this is a home you'll want to experience in person

20106 Bue Rund Loop NE, Poulsbo

Listing courtesy of Keller Williams West Sound.

$674,000
5 Beds ⋅ 3 Baths ⋅ 2528171 MLS ⋅ ACTIVE Status
BACK ON MARKET through no fault of the Seller or Inspection. Spacious and versatile living awaits in this beautifully designed 3,198 sq ft home in the heart of Poulsbo! Featuring 5 bedrooms, including a luxurious Primary Suite and Jr. Ensuite, this home is ideal for multi-generational living, guests, or flexible living arrangements. The thoughtful floor plan includes a main-floor bedroom, a dedicated office, a formal dining room, and an expansive kitchen with abundant counter space, perfect for cooking, gathering, and entertaining. Enjoy seamless indoor-outdoor living with a patio built for hosting summer BBQs and relaxing evenings. Fully fenced yard with low-maintenance. Upstairs offers a convenient laundry room and generous storage throughout the home. Located just minutes from local shopping, dining, schools, and everyday amenities, with easy access to the highway for commuting. Enjoy nearby walking paths, community parks, and all the charm the Poulsbo area has to offer. Comfort, space, and convenience come together in this exceptional home!

21122 Nordby Drive NW, Poulsbo

Listing courtesy of Better Properties N. Proctor.

$462,500
3 Beds ⋅ 2 Baths ⋅ 2525638 MLS ⋅ ACTIVE Status
Well priced & maintained! Style, sunny Spaces & North Kitsap Charm! Step into a home that's as welcoming as it is beautiful! Filled with natural light, you'll find it architecturally pleasing & thoughtfully designed for easy one-level living. This move-in ready gem combines modern style with everyday comfort. Located in the highly sought-after North Kitsap School District and just minutes from charming downtown Poulsbo, waterfront parks, shopping, dining, and more. The bright and cheerful kitchen features an inviting breakfast bar, abundant cabinetry, and generous counter space perfect for morning coffee, holiday baking, or gathering with friends. The spacious open-concept great rm creates a warm, inviting atmosphere with plenty of room to relax, entertain, and make memories. Escape to the spacious primary suite with its walk-in closet and private bath, while two additional bedrooms, a full bath, and convenient laundry room provide flexibility for guests, hobbies, or working from home. Situated on a large corner lot, you'll love the fully fenced backyard with room to garden, play, entertain, or simply unwind. There's space for pets, summer barbecues, and all the things that make a house truly feel like home. Stylish, bright, and well-priced, this North Kitsap beauty offers the perfect blend of comfort, convenience, and small-town charm. Just minutes to the Hood Canal Bridge & clamming! Assumable VA loan at 4.25%. Don't miss your opportunity to make this special home your own!

29377 Scenic Drive NE, Poulsbo

Listing courtesy of Coldwell Banker Bain.

$949,990
5 Beds ⋅ 4 Baths ⋅ 2518474 MLS ⋅ ACTIVE Status
*Ask about our Low Promotional Interest Rate Available on this home!* Quick Move-in new construction ~3400 sf ft Noah Daylight/Walk-Out Basement w/5BR + Loft + Rec Rm smart home@Lot 28 in Poulsbo’s Liberty Bay Vista. The HUGE front porch welcomes you to the 8' entry door into the inviting foyer w/under stairs coat closet/storage + Main floor Office & Bath w/tiled shower. The gourmet island kitchen impresses w/42" soft-close solid-wood cabinetry, quartz counters, tile backsplash, under-cabinet lighting & GAS cooktop w/hood & convection wall oven/micro. The dining area gives access to a covered deck that showcases sweeping Liberty Bay water, Olympic mountain, territorial & sunset views. It covers the lower level patio & anchors the great rm w/cozy GAS fireplace, designed to blend picture-perfect PNW indoor/outdoor living. The ~900 sq ft private lower level boasts a bonus rm, storage closet & 2nd primary suite w/full bath. Wake up to the most impressive views from the upstairs primary suite complete w/an en-suite bath w/2 sink quartz vanity, walk-in tiled shower w/frameless glass, linen & walk-in closet. An open loft splits the 3 bedrooms that share a full bath w/2 sinks, laundry w/sink & cabinetry & linen closet. 9' ceilings at lower level & main level + Dual zoned A/C/Heat Pump! Park & Ride to Bainbridge & Kingston ferries. Walk to 3 North Kitsap schools or the waterfront to Poulsbo's shopping/dining! Buyer’s Broker must accompany and/or register Buyer at/before 1st visit

2043 NE Norseman Way, Poulsbo

Listing courtesy of BMC Realty Advisors Inc.

$849,990
4 Beds ⋅ 4 Baths ⋅ 2518615 MLS ⋅ ACTIVE Status
Quick Move-In new construction 3048 sf ft Luna Daylight/Walk-Out Basement w/4BR + Loft + Bonus/3.5 Bath home@Lot 26 in Poulsbo’s Liberty Bay Vista. The light, bright & open main level w/9' ceilings showcases sweeping territorial & sunset views with a peek-a-boo water view of Liberty Bay. On your way in, note the 2-bay garage w/8' door, welcoming front porch & 8' entry door. The gourmet island kitchen impresses w/42" soft-close solid-wood cabinetry, quartz counters, tile backsplash, under-cabinet lighting & GAS cooktop w/hood & wall oven/micro. The partially covered deck fully covers the lower level patio & anchors the great rm w/cozy GAS fireplace, designed for blending picture perfect PNW indoor/outdoor living. The light, bright & private ~800 sq ft lower level boasts 9' ceilings, it's own mini-split, XL bonus room, linen, big storage closet & private 2nd primary suite w/full bath & large walk-in closet - ideal for guests or multi-generational living. Enjoy the most impressive views from the upstairs primary suite & en-suite bath w/raised-height dual sink quartz topped vanity, walk-in tiled shower w/frameless glass, soaking tub, linen closet & walk-in closet. A laundry room & open loft split the 2 bedrooms that share a full bath w/2 sinks + linen/storage closet. Park & Ride to Bainbridge & Kingston ferries. Walk to 3 North Kitsap schools or down the waterfront to downtown Poulsbo's shopping/dining! Buyer’s Broker must accompany and/or register Buyer at or before 1st visit

2031 NE Norseman Way, Poulsbo

Listing courtesy of BMC Realty Advisors Inc.

$899,990
6 Beds ⋅ 4 Baths ⋅ 2488470 MLS ⋅ CONTINGENT Status
Move-in Ready new construction ~3400 sf ft Noah Daylight/Walk-Out Basement w/6BR + Loft + Rec Rm/3.75BA home@Lot 30 in Poulsbo’s Liberty Bay Vista. The open main level w/9' ceilings showcases sweeping Liberty Bay water, Olympic mountain, territorial & sunset views. On your way in, note the 2-bay garage w/8' door, HUGE welcoming front porch, 8' entry door, foyer w/under stairs coat closet/storage + Main floor small Guest BR/Office & Bath w/tiled shower. The gourmet island kitchen impresses w/42" soft-close solid-wood cabinetry, quartz counters, tile backsplash, under-cabinet lighting & GAS cooktop w/hood & wall oven/micro. The large covered deck covers the lower level patio & anchors the great rm w/cozy GAS fireplace, designed to blend picture-perfect PNW indoor/outdoor living. The ~900 sq ft private lower level boasts 9' ceilings, it's own mini-split, HUGE bonus rm, storage closet & private 2nd primary suite w/full bath, ideal for guests or multi-generational living. Wake up to the most impressive views from the upstairs primary suite & en-suite bath w/raised-height dual sink quartz topped vanity, walk-in tiled shower w/frameless glass, soaking tub, linen & walk-in closet. An open loft splits the 3 bedrooms, sharing a full bath, laundry w/sink & linen closet. Park & Ride to Bainbridge & Kingston ferries. Walk to 3 North Kitsap schools or down the waterfront to downtown Poulsbo's shopping/dining! Buyer’s Broker must accompany and/or register Buyer at/or before 1st visit

2055 NE Norseman Way, Poulsbo

Listing courtesy of BMC Realty Advisors Inc.

$874,990
5 Beds ⋅ 4 Baths ⋅ 2430370 MLS ⋅ ACTIVE Status
*Ask about our Low Promotional Interest Rate Available on this home!* August Move-in new construction ~3400 sf ft Noah Daylight/Walk-Out Basement w/5BR + Loft + Rec Rm smart home on Oversized Corner Lot 24 in Poulsbo’s Liberty Bay Vista. The HUGE front porch welcomes you to the 8' entry door into the inviting foyer w/under stairs coat closet/storage + Main floor Office & Bath w/tiled shower. The gourmet island kitchen impresses w/42" soft-close solid-wood cabinetry, quartz counters, tile backsplash, under-cabinet lighting & GAS cooktop w/hood & convection wall oven/micro. The dining area gives access to a covered deck that showcases territorial & sunset views. It covers the lower level patio & anchors the great rm w/cozy GAS fireplace, designed to blend picture-perfect PNW indoor/outdoor living. The ~900 sq ft private lower level boasts a bonus rm, storage closet & 2nd primary suite w/full bath. Wake up to the most impressive territorial views from the upstairs primary suite complete w/an en-suite bath w/2 sink quartz vanity, walk-in tiled shower w/frameless glass, linen & walk-in closet. An open loft splits the 3 bedrooms that share a full bath w/2 sinks, laundry w/sink & cabinetry & linen closet. 9' ceilings at lower level & main level + Dual zoned A/C/Heat Pump! Park & Ride to Bainbridge & Kingston ferries. Walk to 3 North Kitsap schools or the waterfront to Poulsbo's shopping/dining! Buyer’s Broker must accompany and/or register Buyer at/before 1st visit.

2019 NE Norseman Way, Poulsbo

Listing courtesy of BMC Realty Advisors Inc.

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