98597 Homes with USDA Loan Terms

98597 Homes with USDA Loan Terms

Welcome to the charming community of Yelm, Washington, nestled in the heart of Thurston County and identified by the zip code 98597. Yelm is a vibrant city known for its picturesque landscapes, friendly atmosphere, and a strong sense of community. Surrounded by stunning natural beauty, including the majestic Mount Rainier, residents enjoy a lifestyle that seamlessly blends outdoor adventure with suburban comfort.

For those looking to settle in this welcoming area, Yelm offers a variety of homes that are eligible for USDA loan terms. This is fantastic news for first-time homebuyers and those seeking affordable financing options. USDA loans are designed to promote homeownership in rural and suburban areas, making Yelm an ideal location for families, retirees, and anyone looking to escape the hustle and bustle of city life. With no down payment required and competitive interest rates, these loans open the door for many to achieve their dream of homeownership.

In Yelm, you’ll find a diverse selection of homes, from charming single-family residences to modern townhouses, all set in a community that values both tranquility and connection. The area boasts excellent schools, local parks, and a variety of shopping and dining options, ensuring that residents have everything they need right at their fingertips.

Whether you're drawn to Yelm for its natural beauty, community spirit, or the opportunity to purchase a home with USDA loan terms, this vibrant city is ready to welcome you home. Come experience the warmth and charm of Yelm, where your dream home awaits!

Newest 98597 Homes with USDA Loan Terms

9723 Brown Street SE, Yelm
$499,900
3 Beds ⋅ 3 Baths ⋅ 2593289 MLS ⋅ ACTIVE Status
Discover the Beech, a beautifully designed 2-story home that combines modern style with everyday functionality. The covered front porch sets a welcoming tone, while the open-concept layout inside offers the ideal space for entertaining and daily living. The chef-ready kitchen comes complete with quartz countertops, 42” white upper wood cabinetry, a full suite of stainless-steel appliances, and a spacious island. LGI Homes also offers: builder-paid closing costs, $0 down options, interest rate buydowns, and MORE! If you are working with a licensed broker, please complete the Prospect Registration Agreement (*Site Registration Policy #4898) & submit prior to your first visit to the Shelm Meadows Information Center.

9723 Brown Street SE, Yelm

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

14456 99th Avenue SE, Yelm
$565,000
4 Beds ⋅ 3 Baths ⋅ 2588594 MLS ⋅ ACTIVE Status
Welcome to 14456 99th Ave SE in Yelm! This spacious 2,606 sq ft home offers 4 bedrooms, 2.5 baths, and a versatile bonus room, providing plenty of space for everyday living, entertaining, and relaxing. The thoughtfully designed floor plan features a formal dining room, comfortable living room, and family/rec room with additional space for gatherings, hobbies, or movie nights. Situated on a 5,471 sq ft lot, the home offers a great balance of indoor and outdoor living. Conveniently located near local shopping, dining, schools, parks, and major commuting routes, with easy access to JBLM and surrounding South Sound communities. With its generous living space, flexible floor plan, and convenient Yelm location, this home offers room to grow and make it your own. Come see all that 14456 99th Ave SE has to offer!

14456 99th Avenue SE, Yelm

Listing Broker: Redfin; Barbara Estrella; 253-226-9896; barbara.estrella@redfin.com

15431 104th Way SE, Yelm
$539,950
4 Beds ⋅ 3 Baths ⋅ 2592144 MLS ⋅ ACTIVE Status
Welcome home! This well maintained 4-bedroom, 2.5 bath home offers over 2,200 sq ft of comfortable living space and is truly move-in ready. Located on a quiet cul-de-sac, it offers a great combination of convenience, updates and everyday livability. The kitchen has been nicely updated and opens to the living and dining areas, making the main level easy to enjoy and great for entertaining. Recent improvements include a new furnace, air conditioner, water heater and dishwasher, along with newer LVP flooring, refrigerator, interior paint and toilets. The home has been well cared for and offers the peace of mind of having many of the big-ticket items already taken care of. Step outside to a covered back deck overlooking the backyard, providing a great spot to relax, entertain or enjoy your morning coffee. An additional outbuilding offers useful storage or workspace. The location is hard to beat, with elementary and junior high schools within walking distance and the fire department just around the corner. Easy access to JBLM, major highways, shopping and everyday conveniences makes commuting and getting where you need to go simple. A well-kept home, a great location and a long list of recent updates-- just unpack and make it your own! Buyer/buyer agent to verify all information to own satisfaction.

15431 104th Way SE, Yelm

Listing Broker: John L. Scott/Yelm; Rick Simpson; 253-861-9813; rsimpson@johnlscott.com

9909 Ferns Loop SE, Yelm
$524,990
4 Beds ⋅ 3 Baths ⋅ 2591090 MLS ⋅ ACTIVE Status
Quick Move-In Opportunity! The Christy plan at Willow Glenn boasts a smartly designed layout with plenty of flexible living and entertaining space. Main-floor highlights include an open-concept layout with a spacious great room, a dining area, and a large kitchen with a walk-in pantry and center island. Completing the main floor, you'll find a bedroom with a 3/4 bath. Heading upstairs, a versatile bonus room provides even more gathering space. Plus, you'll enjoy two secondary bedrooms and an expansive primary suite with a spa-like bath and roomy walk-in closet. Upgraded Items include, Covered Patio, Electric Fireplace and interior package. USDA approved property. Buyer's Broker must accompany &/or register Buyer at 1st visit.

9909 Ferns Loop SE, Yelm

Listing Broker: BMC Realty Advisors, Inc; Anthony Sapone; 360-612-0568; anthony.sapone@centurycommunities.com

9933 Ferns Loop SE, Yelm
$535,000
4 Beds ⋅ 3 Baths ⋅ 2592984 MLS ⋅ ACTIVE Status
Quick Move-In Opportunity! Welcome to Willow Glenn featuring the Warren floor plan. This new construction home offers 4 bedrooms plus a study on the main floor with doors, 2.5 bathrooms, and approximately 2,448 sq ft of flexible living space. This home also includes a full primary bathroom suite including separate tub and shower as well as a large covered back patio. Upgrades include the Electric Fireplace and Main Floor Bedroom. Conveniently located within walking distance to Longmire Community Park and a short drive to JBLM. Buyer's Broker must accompany &/or register Buyer at 1st visit.

9933 Ferns Loop SE, Yelm

Listing Broker: BMC Realty Advisors, Inc; Anthony Sapone; 360-612-0568; anthony.sapone@centurycommunities.com

8331 Daphne Court SE, Yelm
$359,950
3 Beds ⋅ 2 Baths ⋅ 2592852 MLS ⋅ ACTIVE Status
Nicely updated 3 bedroom/2 bath home in Nisqually Pines. Great open concept for easy living. New roof, freshly painted inside and out, new carpet. Quartz countertops. Laminate flooring. White painted millwork. Bathroom off primary bedroom. Walk-in closets. Carport and plenty of parking. Community includes a seasonal pool, clubhouse and Nisqually River access that is moments away. Come take a look and make this your new home!

8331 Daphne Court SE, Yelm

Listing Broker: Abbey Realty Inc; Mike Erdahl; 360-888-0806; mike_erdahl@yahoo.com

13216 Rocking S Lane SE, Yelm
$755,000
3 Beds ⋅ 4 Baths ⋅ 2592841 MLS ⋅ ACTIVE Status
BREATHTAKING MT. RAINIER VIEWS ON NEARLY 5 ACRES! This beautifully updated 2,410 sq. ft. home offers space, privacy, and convenience just minutes from Yelm and about 20 minutes from JBLM. Freshly painted inside and out, with new flooring, this home features two spacious primary bedrooms, an additional large bedroom, and a bonus/office room with a large closet. Enjoy three full bathrooms upstairs and a half bath downstairs, all complemented by updated finishes. The kitchen and bathrooms feature new cabinetry and beautiful quartz countertops. The inviting kitchen flows into the dining and living spaces, highlighted by a coffered dining room ceiling and a cozy pellet stove in the living room. The family room features a built-in wine bar, while French doors open to a large deck with stunning Mt. Rainier views. Outside, enjoy a fenced yard, dog run, fruit trees, and plenty of room to relax and take in the peaceful surroundings. Additional features include hardwood floors, abundant storage, and a laundry room with sink. Enjoy the perfect blend of modern updates, breathtaking views, acreage, and a convenient location. Don't miss this exceptional opportunity!

13216 Rocking S Lane SE, Yelm

Listing Broker: Better Properties N. Proctor; Emma P. Bennett; 206-898-1807; emma_bennett@icloud.com

10544 Farwest Court SE, Yelm
$500,000
4 Beds ⋅ 3 Baths ⋅ 2588858 MLS ⋅ ACTIVE Status
Tucked into a cul-de-sac in Yelm, this 4-bedroom, 2.5-bath home offers 2,013 sq ft of flexible living space and a backyard made for enjoying every season. The main level features an open kitchen and living area anchored by a cozy gas fireplace, plus A/C to keep things comfortable all summer long. A separate flex room with double doors that’s perfect for a home office, playroom, guest space or whatever life needs next. Upstairs, you’ll find all four bedrooms plus an additional bonus room, including a spacious primary suite with an en-suite bath and walk-in closet. Outside is where this home really shines. The fully fenced .20-acre lot has been transformed into a private backyard retreat with mature landscaping, garden space, a covered deck for year-round entertaining, firepit area, above-ground pool, and a gazebo-covered hot tub, with both the pool and hot tub conveying with the home. Wired for a generator and an attached two-car garage adds even more function. Located near local schools, parks, shopping and everyday Yelm amenities, with convenient access toward JBLM and I-5.

10544 Farwest Court SE, Yelm

Listing Broker: Keller Williams Realty PS; Michelle Wallace; 206-795-9053; michelle.wallace@kw.com

10102 Terra Glenn Street SE, Yelm
$565,000
3 Beds ⋅ 3 Baths ⋅ 2586857 MLS ⋅ ACTIVE Status
French Country-inspired architecture and outstanding curb appeal gives this Vintage Greens residence a character all its own. Set on a beautifully landscaped corner lot with an unusually open setting and views of Mt. Rainier and Tahoma Valley Golf Course, the home feels remarkably private and expansive. Inside, soaring ceilings and abundant natural light create an airy sense of scale, while a MAIN FLOOR primary suite and versatile loft/bonus room offer a thoughtful, highly livable floor plan. Meticulously cared for and thoughtfully renovated, with a brand-new roof in 2025, A/C, zero-clearance entry, fresh paint and flooring, an in-ground sprinkler system and generator wiring for added comfort and peace of mind. A comfortable walk to the city park and water park, trail system, and Yelm amenities. For buyers seeking even more room to roam, the sellers would consider including the adjacent parcel in a separate purchase, creating the opportunity for additional land, an insulated and powered shed, art studio, and RV or boat parking. From its distinctive architecture and beautiful setting to its exceptional condition and mountain views, this is a home unlike anything else you’ll find in the area - carefully stewarded and beautifully prepared for its next chapter.

10102 Terra Glenn Street SE, Yelm

Listing Broker: Yelm Windermere; Terry Kaminski; 360-701-2711; ttkaminski@msn.com

14210 Jensen Drive SE Unit #354, Yelm
$566,375
4 Beds ⋅ 3 Baths ⋅ 2567380 MLS ⋅ ACTIVE Status
Welcome to Tahoma Terra by award-winning local builder Soundbuilt Homes! Lot 354 features the popular Blossom plan with a versatile main floor den, a spacious kitchen with oversized island, dining area, and great room that opens to an entertainer’s covered patio. Upstairs, you’ll find 3 bedrooms, in addition to a stunning primary suite with a freestanding soaking tub, plus a convenient laundry room. Explore 6 additional floor plans ranging from 2,033 to 2,853 sq. ft., starting in the mid-$500s. Options include 4–5 bedrooms, dens, lofts, bonus rooms, main floor guest suites, covered patios, and even 3-car garages. Thoughtfully designed features include open railing stairways, large kitchen islands with 3cm granite or quartz countertops, soft-close cabinets and drawers, stainless steel appliances, heat pump with A/C, and 9’ ceilings on the main floor.

14210 Jensen Drive SE Unit #354, Yelm

Listing Broker: eXp Realty; VonKarl Inman; 206-719-8808; vonkarlrealestate@gmail.com

9734 Brown Street SE, Yelm
$559,900
3 Beds ⋅ 3 Baths ⋅ 2584995 MLS ⋅ ACTIVE Status
Discover the Cypress, a spacious two-story home. With 3 bedrooms, 2.5 bathrooms, and a large upstairs game room, this layout is perfect for entertaining and everyday living. The chef-ready kitchen features quartz countertops and a spacious island with an extended bar. Overlooking the dining area and great room, the open-concept layout allows you to stay connected whether you're prepping for a dinner party or enjoying a quiet evening in. LGI Homes also offers: builder-paid closing costs, $0 down options, interest rate buydowns, and MORE! If you are working with a licensed broker, please complete the Prospect Registration Agreement (*Site Registration Policy #4898) & submit prior to your first visit to the Shelm Meadows Information Center.

9734 Brown Street SE, Yelm

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

9746 Brown Street SE, Yelm
$538,900
3 Beds ⋅ 2 Baths ⋅ 2584993 MLS ⋅ ACTIVE Status
The Bainbridge is a thoughtfully designed single-story home that blends comfort, style, and functionality. Featuring 3 spacious bedrooms, 2 full bathrooms, and a 2-car garage, this open-concept layout is ideal for both entertaining and everyday living. The chef-ready kitchen is a true centerpiece, offering sleek countertops, a large island, and a walk-in pantry, all flowing seamlessly into the private dining room and spacious family room. LGI Homes also offers: builder-paid closing costs, $0 down options, interest rate buydowns, and MORE! If you are working with a licensed broker, please complete the Prospect Registration Agreement (*Site Registration Policy #4898) & submit prior to your first visit to the Shelm Meadows Information Center.

9746 Brown Street SE, Yelm

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

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