South Kitsap Homes with VA Loan Terms

South Kitsap Homes with VA Loan Terms

South Kitsap is a charming neighborhood located in Kitsap County, Washington, making it an ideal place to call home. Situated in the beautiful Pacific Northwest region of the United States, South Kitsap offers a unique blend of natural beauty and urban convenience.

With a variety of housing options available, South Kitsap is a great destination for those looking to purchase a home with VA loan terms. VA loans are a type of mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs, making it easier for veterans, active-duty service members, and eligible surviving spouses to become homeowners.

The neighborhood of South Kitsap boasts an array of homes that qualify for VA loan terms. Whether you're searching for a cozy single-family home or a spacious townhouse, there are numerous options available to suit your needs. From modern and updated properties to more traditional and character-filled homes, South Kitsap has something for everyone.

In addition to its housing options, South Kitsap offers a range of amenities and attractions. Residents can enjoy easy access to outdoor recreational activities, including hiking, boating, and fishing, thanks to the neighborhood's proximity to the stunning Puget Sound. There are also excellent schools, shopping centers, and dining options nearby, ensuring that residents have everything they need within reach.

If you're a veteran or active-duty service member looking for a home in South Kitsap, you'll find a welcoming community and a variety of housing options that meet VA loan terms. Take advantage of the opportunity to own a home in this beautiful neighborhood and enjoy all that South Kitsap has to offer.

Newest South Kitsap Homes with VA 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.

$575,000
4 Beds ⋅ 3 Baths ⋅ 2574023 MLS ⋅ ACTIVE Status
Welcome home to Emelia Landing, a quiet little pocket in the heart of Port Orchard. This two-year-old Richmond American resale lives like brand new! Premium placement on a prime end lot allows you to enjoy ultimate privacy while overlooking a scenic, peaceful greenbelt. Inside, the flowing main-level layout leads into a gourmet kitchen featuring quartz countertops, a full-height subway tile backsplash, a center island & a spacious walk-in pantry. The kitchen seamlessly connects to the great room, which comes complete with a custom media niche & cozy gas fireplace. Upstairs, the expansive primary suite boasts a private bath & large walk-in closet, three additional bedrooms, another full bath, laundry & versatile loft space. High-end finishes like luxury vinyl plank flooring, custom blinds & chic fixtures elevate the home throughout. Beat the heat with central AC inside or spend your time outside on your extended 10x18 covered patio, equipped with a gas BBQ hookup, firepit & ambient lighting overlooking the peaceful scenery while still having ample yard space for fetch, a game of catch or cornhole too. You will feel far from it all, yet you are just minutes from Highway 16, daily shopping & dining, great schools, South Kitsap Regional Park & the awesome Port Orchard Waterfront Boardwalk!

6243 Windlass Avenue SE Unit #12, Port Orchard

Listing courtesy of Keller Williams Realty PS.

$500,000
2 Beds ⋅ 3 Baths ⋅ 2573425 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained, basically new construction 2-bedroom, 3-bath home offering 1,686 sq ft of comfortable, modern living. The inviting open-concept layout creates a warm, homey feel, with a spacious kitchen featuring a large island, pantry, and plenty of room to gather. Enjoy the deck off the main floor—perfect for morning coffee or entertaining. Great garage space with a 50-amp electrical outlet installed, ready for EV charging. Conveniently located in South Kitsap near shopping, dining, schools, Highway 16, and easy commuting routes to Gig Harbor, Tacoma, Bremerton, and the Southworth Ferry. Enjoy the best of Pacific Northwest living with nearby parks, trails, waterfront recreation, and the charming Port Orchard waterfront just minutes away.

6480 Halyard Circle SE, Port Orchard

Listing courtesy of Windermere Prof Partners.

$840,000
4 Beds ⋅ 3 Baths ⋅ 2570072 MLS ⋅ ACTIVE Status
This home has something for everyone! The home sits on a private 1.4 acre lot and comes with an additional separate 1.4 acre lot, parcel number 46100020010207 ideal for adding an ADU, pasture or keep it for a future investment. If you are looking for a shop, you will love this one, there are four bays, then back section can hold up to four more cars or two full size RV's. The home has fully finished daylight basement and can make an ideal separate living space with large rec-room, bedroom, bonus room and kitchenette. Upstairs there is a large living and dining room, the kitchen adjoins a spacious family room with a solarium allowing the natural light to flow in and watching the deer as they wonder through the back yard. There is also accesses to two separate decks off of the family room so there is plenty of outdoor living space. You will love the firepit, a great place to gather enjoy the enjoy the beautiful summer nights. On the main floor, there are two bedrooms and primary suite with a spacious 3/4 bath. The seller just installed a new $18,000 heat pump system so you will enjoy low heating costs and air conditioning on those hot summer days. If you are seeking seclusion, tranquility and a great place to call home this is it, it is a must-see home, you will love it.

2357 Mountain View Drive SE, Port Orchard

Listing courtesy of Windermere Prof Partners.

$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.

$250,000
2 Beds ⋅ 1 Baths ⋅ 2553739 MLS ⋅ ACTIVE Status
All the Special assessments are paid in full on this beautiful Turn-key fully furnished home. A lovely 2 bedroom, with a totally remodeled bathroom and other recent upgrades. The kitchen includes modern lighting and all upgraded appliances, new flooring throughout the home, new vinyl windows, ceiling fans in the bedrooms, new siding, new roof and exterior paint. A cozy electric fireplace welcomes you into the living room and off the dining area is a view of nature at its best. On top of all the special assessments being paid, the HOA is paid through the end of the year. So many possibilities, rental or a home ready for your dreams. There is a well-maintained lawn area to enjoy as an additional park to the property. You will find extra storage in the carport area. Stairs from the carport area will lead you down into a sheltered area to the door or take the lovely path around the back to the patio with no stairs. The home is located in a quiet and peaceful area surrounded by lush greenbelt, but it is also convenient for shopping, restaurants and Washington state ferries.

2969 SE Mile Hill Drive Unit #E2, Port Orchard

Listing courtesy of John L. Scott, Inc..

$885,000
3 Beds ⋅ 3 Baths ⋅ 2562887 MLS ⋅ ACTIVE Status
Discover a truly one-a-kind retreat where striking architecture meets natural beauty. First time on the market, this special custom-built home features soaring ceilings with a dramatic wall of windows that fills the living spaces with natural light while framing the rolling pastures. The open, airy design creates an inviting atmosphere perfect for entertaining or simply enjoying the peaceful surroundings. Attention to detail is evident with the use of warm woods and metal design. A spacious loft that's perfect for a home office, music room or additional living space is a sought-after feature. The unfinished basement provides endless potential to create the space you've always wanted—whether it's a recreation room, home gym, guest suite, or extra storage. With its flexible layout and room to grow, this home is ready to fit your lifestyle. Huge barn is just a stone’s throw from the residence and is ready for your creative use. Whether you are seeking privacy, inspiration, room to roam, this remarkable property offers a rare opportunity to own a home as unique as its setting. Both parcels of land are included for a total on 12.61 Acres. Home needs a bit of TLC but what an opportunity!

400 SE Dogwood Road, Port Orchard

Listing courtesy of John L. Scott, Inc..

$514,950
3 Beds ⋅ 3 Baths ⋅ 2558219 MLS ⋅ ACTIVE Status
Beautifully maintained 3-bedroom, 2.5-bath home offering 1,786 sq. ft. of comfortable living in a convenient location. The open-concept kitchen features stainless steel appliances, a walk-in pantry, breakfast bar, and flows into the dining area and inviting family room with a cozy gas fireplace and custom built-ins. Upstairs, the spacious loft makes the perfect home office, media room, or play area. The primary suite offers a large walk-in closet and private bath with double sinks, soaking tub, and separate shower. Two additional bedrooms, one with a walk in closet, a full bath, and upstairs laundry complete the second floor. Washer and dryer are included. Enjoy year-round outdoor living from the covered front porch or expansive covered back patio and extended patio, fully fenced low-maintenance yard, dog run, and garden area all make this low maintenance so you have more time to just relax and enjoy your backyard. The oversized two-car garage features tall ceilings, plus a rare, fully finished storage room that stays naturally cool. Central air keeps the whole house comfortable during these warm days. Quick access to Highway 16 and just 10 minutes from the Seattle ferry and Puget Sound naval Shipyard makes commuting simple while keeping shopping, dining, and recreation nearby.

3758 Maritime Drive SW, Bremerton

Listing courtesy of Keller Williams Realty.

$400,000
3 Beds ⋅ 2 Baths ⋅ 2549311 MLS ⋅ ACTIVE Status
Welcome to Winchester Village. This amazing community is bringing you another wonderfully appointed 3 bed 2 bath home with wide open living areas and spacious bedrooms. Enter the home and wander through the living room into the great room styled dining and family room where you can bathe in the warmth from the stove or in the natural light pouring through the coved windows of the dining room. Outside you will find that the home is wrapped in a larger than expected level and open yard ready for your gardening or landscaping dreams.

2382 Hastings Lane SE, Port Orchard

Listing courtesy of Keller Williams West Sound.

$1,175,000
4 Beds ⋅ 3 Baths ⋅ 2553050 MLS ⋅ ACTIVE Status
Custom craftsmanship defines every corner of this home, from high-end flooring and refined cabinetry to clean architectural lines and neutral, elevated finishes throughout. Beyond the aesthetics, this home was engineered for performance: triple pane windows, premium insulation, and high-efficiency systems—well beyond standard builds—translate into year-round comfort and meaningfully lower utility costs, a detail today's discerning buyers know not to overlook. Tucked away on a large 6.7 private acres offering privacy. Step through the door into an open-concept great room where the kitchen and living space flow together effortlessly, framed by oversized windows that flood the interior with light. A fireplace lends warmth and quiet elegance to the living area. Together, these details create an atmosphere that feels both grounded and elevated, with flexibility to suit however you choose to live. The main floor also features a beautifully appointed primary suite, offering a private retreat away from the everyday hustle, along with a dedicated home office—ideal for remote work or quiet focus. Upstairs, three additional bedrooms provide comfortable, well-separated space and the perfect balance between togetherness and privacy. Advanced insulation, energy-conscious systems, and quality craftsmanship help maintain consistent temperatures year-round while reducing heating and cooling expenses. EV Charger and generator ready.

12288 Madrona Street SW, Port Orchard

Listing courtesy of Real Broker LLC.

$515,000
3 Beds ⋅ 2 Baths ⋅ 2552676 MLS ⋅ ACTIVE Status
Welcome to this inviting single-level home on over 2 private acres in Olalla. Featuring 3 bedrooms, a flex room with closet, and 2 bathrooms, this home offers a bright, open layout with a modern kitchen, shaker-style cabinetry, quartz countertops, stainless steel appliances, and thoughtfully updated finishes. Updates include fresh paint, LVP flooring, newer roof, furnace, water heater, and septic tank. Outside, enjoy an expansive fenced yard with space to garden, a storage container that remains with the property, recently excavated forest trails, and the added benefit of a well with an upgraded pressure system. Ideally located between Port Orchard and Gig Harbor, with quick access to Highway 16, shopping, dining, and medical services. Currently operated as a 5-star vacation rental, with furnishings negotiable for buyers seeking a more turnkey option. With the primary bedroom set apart from the other rooms, the layout offers flexibility for guest accommodations, shared living, hobby space, or potential room-rental use.

7591 SE Fragaria Road, Olalla

Listing courtesy of homecoin.com.

$725,000
4 Beds ⋅ 4 Baths ⋅ 2550888 MLS ⋅ CONTINGENT Status
Welcome home! This better-than-new private greenbelt home is ready for its next owner. From the moment you walk in, the meticulous care is evident. Plantation shutters, heat pump/AC, garden space, freshly stained fencing, new shed, and a terraced side yard with steps elevate both the home and your lifestyle. Featuring just shy of 3,000 sqft, 4 beds, 3.25 baths, and natural light throughout, there is space for everyone in an extremely smart layout. The main floor is open yet distinct and is a true showstopper. Imagine mornings on the covered patio, sipping coffee while listening to the birds sing. Upstairs offers a bonus loft, 3 bedrooms, and 2 full baths, including the primary suite. The basement features tall ceilings, another bonus/living room, and an entire junior suite with its own 3/4 bath. This home is a hidden gem on a private cul-de-sac with only 11 homes. Set on the east side of Port Orchard with quick access to Southworth, Manchester, and the Port Orchard waterfront, this location delivers the best of South Kitsap living. Enjoy nearby ferry access to Seattle, waterfront dining and marina activity along Bay Street, the small-town charm of Manchester, and outdoor recreation at Banner Forest, Manchester State Park, Howe Farm Park, Long Lake Park, and South Kitsap Regional Park. With Hwy 16 and Sedgwick nearby, commuting through Gig Harbor, Tacoma, and the greater Puget Sound region is simple. Hurry! Ask about our VA assumable loan for eligible buyers at 4.99%

6479 Halyard Circle SE, Port Orchard

Listing courtesy of Keller Williams Realty PS.

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