South Kitsap Homes with USDA Loan Terms

South Kitsap Homes with USDA Loan Terms

Located in the state of Washington, South Kitsap is a charming neighborhood nestled in Kitsap County. This area offers a perfect blend of natural beauty, community spirit, and convenient amenities. With its picturesque landscapes and friendly atmosphere, South Kitsap is an ideal place to call home.

One of the notable features of this neighborhood is the availability of homes with USDA loan terms. The USDA loan program provides favorable financing options for individuals and families looking to purchase a home in eligible rural areas. South Kitsap qualifies for this program, allowing prospective homeowners to take advantage of low interest rates and flexible credit requirements.

The homes available with USDA loan terms in South Kitsap come in a variety of styles and sizes, catering to different preferences and budgets. Whether you're looking for a cozy single-family home or a spacious property with a large backyard, you'll find options that suit your needs.

Living in South Kitsap means enjoying a range of amenities and recreational opportunities. The neighborhood is known for its access to outdoor activities, including hiking trails, parks, and waterfront areas. Additionally, there are excellent schools, shopping centers, and dining options nearby, ensuring that residents have everything they need within reach.

If you're considering buying a home in South Kitsap, the availability of USDA loan terms makes it even more appealing. With its beautiful surroundings and convenient location, this neighborhood offers a wonderful setting to create lasting memories and build a fulfilling life.

Newest South Kitsap Homes with USDA Loan Terms

$699,777
4 Beds ⋅ 3 Baths ⋅ 2570485 MLS ⋅ ACTIVE Status
Some nights the last light on this cul-de-sac comes from the shop. Twenty-four by thirty feet of it, 220 power at both ends, doors rolled up on something that started Saturday and is not finished yet. The house waits up the drive, set back under firs on nine-tenths of an acre in Port Orchard's Horizon West, and it has been somebody's for a long time. You feel that before you reach the door, where water moves quietly beside the front step. Inside, the ceiling lifts and 2,290 square feet open up. A fireplace holds the living room and the windows hand you nothing but green. The dining room has seen a lot of long evenings and would like a few more. Four bedrooms in all, the primary on the main behind a remodeled bath with custom cabinetry and a tile shower. Downstairs the lower level finishes out warm, a second fireplace, a room wide enough to gather in, and everything that hums kept politely out of earshot. August and January both get handled, heat pump and central air. Then the slider opens and the day goes outside. Trex deck, hot tub steaming in the cold, an outdoor fireplace, a fire pit, garden beds, a shed, sprinklers holding the green through July. Level, wooded South Kitsap acreage, territorial views, and a treeline that does what a fence would. RV parking and a 30 amp hookup wait near the workshop, room for the boat, garage and carport besides. Sedgwick and Highway 16 sit minutes out, Kitsap County all around it. Leave the shop light on. Somebody should be using it.

3073 SE Misty Court, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$535,000
3 Beds ⋅ 2 Baths ⋅ 2567413 MLS ⋅ ACTIVE Status
Beautifully landscaped and private nearly-acre property with easy access to the ferries! This nicely updated 1,892 sq ft tri-level home offers comfortable living and plenty of room to enjoy the country lifestyle. The 3-bedroom home has been thoughtfully refreshed with newer flooring, counter-tops, interior paint, lighting, appliances, doors, and fixtures. The lower level offers excellent flexibility & could make a wonderful primary suite with an existing ¾ bath. Private well with newer UV water treatment system and 3-bedroom septic. Relax in the peaceful sun-room just off the kitchen—perfect for morning coffee, reading, or unwinding at the end of the day. Outside, enjoy mature landscaping, apple trees, garden space, RV parking, EV charging and plenty of room to roam. Oversized garage provides room for a lawn tractor and storage, while the huge detached shed has been transformed into an incredible exercise sanctuary, personal retreat, or storage space. Two chicken coops—one large and one small—add to the charm of this unique property. A wonderful blend of privacy, updates, space, and country living, all within convenient reach of the ferries!

5696 E Collins Road, Port Orchard

Listing courtesy of eXp Realty.

$749,500
5 Beds ⋅ 4 Baths ⋅ 2550488 MLS ⋅ ACTIVE Status
Welcome to this exceptional Century Communities Bridger plan in the desirable McCormick Trails community! Designed for today’s flexible lifestyle, this thoughtfully planned CenturyFlex home offers a rare main-floor multigenerational suite with its own private exterior entrance, living area, bedroom, full bath, and space for an optional kitchenette and laundry—ideal for extended living, guests, a home office, or added privacy. The main level features an inviting open-concept design with a spacious great room, dining area, and a beautifully appointed kitchen complete with a large center island and walk-in pantry. A dedicated study of the foyer provides an excellent work-from-home or flex space. Upstairs, enjoy a generous bonus room, two secondary bedrooms with walk-in closets, and an expansive primary suite featuring a spa-inspired bath and oversized walk-in closet. Situated near a neighborhood trail, this home offers a peaceful, nature-friendly setting while remaining close to everyday conveniences. Enjoy the welcoming sense of community, where neighbors are known for being friendly and connected. The low HOA dues add to the appeal, and the area is served by well-regarded local schools. Future nearby retail and shopping development is also underway, bringing even more convenience just minutes from home. Modern, flexible, and beautifully located—this is a special opportunity to enjoy multi-generational living and the lifestyle McCormick Trails has to offer.

3847 SW Bigler Way, Port Orchard

Listing courtesy of Best Choice Realty LLC.

$554,777
4 Beds ⋅ 3 Baths ⋅ 2493140 MLS ⋅ ACTIVE Status
The perfect home in the perfect location truly does exist. This beautifully maintained residence offers an ideal blend of comfort, space, and thoughtful design with 4 bedrooms, 3 bathrooms, a 2-car garage, and two generous living rooms that provide flexibility for every lifestyle. The open-concept kitchen is filled with natural light from expansive windows and features quality appliances that stay, a spacious island with inviting seating, and a large pantry—creating a warm, functional hub for gathering and everyday living. The main level includes a potential second primary bedroom with a full bathroom, perfect for guests or multigenerational living. Upstairs, a bright and airy living room anchors the space alongside three bedrooms and two bathrooms, including a primary suite with a large bedroom and an impressive walk-in closet. The utility room adds convenience, and the washer and dryer remain. Step outside to a fully fenced, spacious backyard offering room to entertain, garden, or simply relax. The community also features a friendly neighborhood park, adding to the welcoming atmosphere. This well-cared-for home delivers comfort, functionality, and a location that enhances everyday living.

4246 Andasio Loop SE, Port Orchard

Listing courtesy of Paramount Real Estate Group.

$1,199,000
6 Beds ⋅ 4 Baths ⋅ 2512353 MLS ⋅ ACTIVE Status
Privately set on 10 picturesque acres with sweeping territorial views & a breathtaking mountain backdrop, this exceptional 2022 custom built home offers the perfect blend of luxury, comfort & PNW beauty. With over 3,700 sq ft of thoughtfully designed living space, this stunning property was crafted for both everyday living & unforgettable entertaining. The heart of the home is the expansive open concept great room, where soaring spaces flow seamlessly to covered outdoor living, creating the ultimate indoor outdoor lifestyle. A chef inspired kitchen impresses with slab countertops, a 48” Monogram refrigerator, propane gas range, double ovens, walk in pantry, abundant prep & gathering space designed to bring everyone together. Featuring 6 bedrooms & 3.5 bathrooms, versatile layout offers room for multigenerational living, guests, work from home flexibility, or hobbies. Luxurious main floor primary suite is a rare retreat complete with a spa inspired 5 piece ensuite & spacious walk in closet, while an additional main floor bedroom is ideal for guests or a private office. A large rec room, generous storage, paid off solar panels, Starlink, Ring security system, central heating & AC elevate the home’s comfort and efficiency. Endless possibilities from recreation & gardening to animals, equipment, RV parking, or future expansion. Addt'l features 2 wells, 50 amp RV hookup, detached garage, outbuilding, fenced yard & freshly graveled driveway. ASSUMABLE LOAN AT 5.625%!

9611 W Belfair Valley Road, Bremerton

Listing courtesy of Crafted Real Estate.

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