Excelsior Springs Homes with FHA Financing

Excelsior Springs Homes with FHA Financing

Welcome to Excelsior Springs, Missouri – a charming city that beautifully blends small-town warmth with modern conveniences. Nestled just 30 miles northeast of Kansas City, Excelsior Springs is renowned for its stunning natural springs, historic architecture, and vibrant community spirit. With its picturesque downtown area, lush parks, and a plethora of recreational activities, this city offers a serene lifestyle perfect for families, retirees, and everyone in between.

Excelsior Springs boasts a rich history, dating back to the 19th century when it was a popular spa destination. Today, visitors and residents alike can still enjoy the therapeutic benefits of the mineral springs, as well as a variety of cultural attractions, including art galleries, boutique shops, and delightful dining options. The city's annual events and festivals foster a strong sense of community, making it an ideal place to call home.

For those considering a move to this enchanting city, the local real estate market offers a range of homes suitable for various budgets and lifestyles. Many properties are eligible for FHA financing, making homeownership more accessible for first-time buyers and those looking to invest in their future. With favorable loan terms and lower down payment options, FHA financing allows you to explore a diverse selection of charming homes that reflect the unique character of Excelsior Springs.

Whether you're drawn by the historical charm, the friendly community, or the beautiful landscapes, Excelsior Springs is a place where you can truly feel at home. Discover the perfect property that meets your needs and embrace the tranquil lifestyle this wonderful city has to offer!

Newest Excelsior Springs Homes with FHA Financing

$475,000
3 Beds ⋅ 2 Baths
Welcome home to your FULLY UPDATED, serene piece of the American dream! Right outside city limits so you have the freedom to do what you want, and only 5 minutes from town! This property has it all! Pick fresh apples and peaches right from your own yard and enjoy! This property is entirely fenced, along with cross fencing to seperate your livestock. HUGE 40x60 Barn complete with electricity and several stables. There are three areas inside of the barn that have concrete flooring, the shop area, the feed room, and the tack room! There is also a concrete pad with a hitching post to bath your horses on the back side of the barn. There are 2 automatic waterers on the property as well. Property also includes a 12x60 leanto, 10x12 leanto, a 60ft tractor shed, and a gazebo complete with a concrete floor and metal roof! Storm cellar in basement to keep safe in Tornado season! With the beautiful views, sunsets, wildlife, you truly have it all here!

15625 Washington School Road, Excelsior Springs

Listing courtesy of Sabrina Caves of RE/MAX Area Real Estate.
$299,000
100% occupied income-producing triplex in Excelsior Springs. Completely renovated to minimize expenses and maximize profits. The building includes a full unfinished basement and a detached garage that is also rented out to tenants for $75/mo. Tenants benefit from 3 designated parking options: a private driveway in the back, a private side driveway and street parking. Please give 24 hours notice before viewing.

435 Benton Avenue, Excelsior Springs

Listing courtesy of Davida Connell of Journey Real Estate Group.
$499,900
5 Beds ⋅ 4.5 Baths
UNIQUE, UPDATED, SPANISH STYLE 1.5 story home on LARGE FENCED CORNER LOT!! OPEN CONCEPT ONE LEVEL LIVING features CHEF'S KITCHEN offering HUGE BUILT IN PANTRY, ISLAND, GORGEOUS CUSTOM CABINETRY, SOLID SURFACE COUNTERTOPS & more! The PRIMARY RETREAT is perfect for relaxing! OVERSIZED ENSUITE w/SITTING ROOM & LARGE WALK IN CLOSET! Primary bath features separate tub & shower, CUSTOM DOUBLE VANITIES & tile flooring! 2 spacious secondary bedrooms & full bath on upper level. FINISHED LL provides tons of room for guests & entertaining w/2 non-conforming bedrooms, full bath & rec room. Don't miss the SEPARATE 14x21 GUEST QUARTERS for family members needing a private place to stay or perfect for a HOME OFFICE! Relax in the UNIQUE COURTYARD! NEW HVAC! FANTASTIC LOCATION! HURRY!!

420 Crown Hill Road, Excelsior Springs

Listing courtesy of Randy Swope of Platinum Realty LLC.
$199,900
2 Beds ⋅ 1 Baths
Tucked away on a large, fully fenced lot, this cozy cottage is full of charm and personality! Located on the west side of town in a quiet setting, this home offers a wonderful sense of privacy while still being conveniently located. The inviting living room features a fireplace, and the updated kitchen shows really well. The main level also offers full bath, one bedroom along with a convenient laundry/mudroom. Upstairs, you’ll find a spacious loft area plus an additional bedroom, creating incredible flexibility for a private primary suite, kids’ bedroom and playroom, home office, or guest space. Outside, enjoy the newer deck, fire pit, and plenty of room to relax, entertain, garden, or let the pets play. With its tucked-away setting, generous lot, and versatile living spaces, this home has a warm, comfortable feel from the moment you arrive.

20 Schwartz Avenue, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$228,900
3 Beds ⋅ 2 Baths
This Charming 3 Bed 2 Bath is beautifully remodeled, and Move-In Ready! Updates include NEW Siding, NEW Garage Doors, NEW Windows, NEW Gutters, NEW Roof, NEW HVAC, NEW Water Heater, NEW Kitchen Cabinets, Backsplash, Sink, Faucets, Countertops and Brand New Stainless Steel Kitchen Appliances! NEW Flooring and trim throughout. Bathrooms have been fully remodeled with New Vanities, New Luxury Tile Shower Surrounds, New Tub, and Mirrors/Hardware. Only 5 minutes from Downtown Excelsior Springs!

102 O E Avenue, Excelsior Springs

Listing courtesy of Kyle Shaffer of 1st Class Real Estate KC.
$375,000
4 Beds ⋅ 2 Baths
Stunning Lakefront Oasis, completely remodeled from top to bottom and move-in ready. This nearly 2,000-square-foot retreat offers the perfect blend of modern luxury and serene waterfront living. Situated directly on the water, the property provides the opportunity to add a private dock and immediately enjoy premier fishing, boating, and lakeside relaxation—all with no HOA fees. Designed for total peace of mind, every major system and surface in the home is brand new, including the roof, HVAC, water heater, plumbing, electrical fixtures, flooring, appliances, fireplace, bathrooms, and front and back decks. The home also offers unmatched waterfront views. Its unique positioning allows you to enjoy both breathtaking sunrises and remarkable sunsets directly over the water. Whether you are looking for a permanent residence or a weekend getaway, this lakefront gem delivers a lifestyle that is hard to find. Crystal Lakes is comprised of five lakes, including one main lake and four smaller lakes.

14788 Midway Drive, Excelsior Springs

Listing courtesy of Lindie Victor of ReeceNichols- Leawood Town Center.
$377,500
3 Beds ⋅ 2.5 Baths
NEW PRICE! Motivated seller offering a $10,000 credit at closing on a full-price offer — buy down your rate, cover closing costs, or apply it however works best for you. A great opportunity to make this home even more affordable. Welcome to Stone Crossing! This 2-story beauty is full of character from the moment you walk in — the front room flexes as a formal dining space or a light-filled home office, whichever fits your life best. The kitchen is the real showstopper: rich stained oak cabinets, stainless appliances including a brand new dishwasher, and a generous breakfast bar made for lazy Sunday breakfasts or quick weekday meals on the go. It opens right into the great room, where a cozy fireplace anchors the space and picture windows frame views of the enormous, private backyard — the kind of yard that makes you start planning summer cookouts before you've even made an offer. A convenient back hall with laundry and a half bath keeps everyday life running smoothly. Upstairs, retreat to a spacious primary suite with a huge walk-in closet and its own ensuite bath, plus two more bedrooms and a full hall bath — room for everyone to spread out. And downstairs, the full basement is a blank canvas: think storage galore now, or your dream rec room, gym, or fifth bedroom down the road. Beyond the charm, this one's low-maintenance where it counts: a roof that's only 5 years old, a water heater under a year old, and NO HOA — meaning more freedom and fewer fees. Tucked into a quiet cul-de-sac in a friendly community, close to schools, shopping, and easy highway access — this one checks every box. Schedule your private showing today!

2000 Riverstone Drive, Excelsior Springs

Listing courtesy of Kendal Hackett of 1st Class Real Estate KC.
$659,900
4 Beds ⋅ 3 Baths
Pictures are of a custom build job that we just completed this summer 2026. Some design selections in kitchen and with windows are custom to the previous build. Please check with Listing agent with any questions. Come and Check out The Durango Our newest floor plan by Lakeshore Homes. We Modified the upstairs on this Reverse 1.5 story floor plan and boy did it turn out AWESOME!!!. It features 4 bedrooms and 3 bathrooms. Tall cathedral ceilings in living room with windows and views to knock your socks off. Upgraded custom Kitchen Cabinets. Upgraded extended Island, granite or quartzite countertops, Real site finished hardwood floors in upstairs living room, kitchen, and hallways. Upgraded Garage doors. Large tiled shower in Primary bathroom, large primary walk in closet, Large LL family room featuring a custom wet bar, This one is a must see.

2204 Arbor Lane, Excelsior Springs

Listing courtesy of Jennifer Edlin of Keller Williams KC North.
$535,000
4 Beds ⋅ 3 Baths
Nestled on 3.24 acres between Excelsior Springs, Kearney, and Liberty, this spacious home offers peaceful country living with convenient access to town. The bright and airy open floor plan features an abundance of windows that fill the home with natural light and frame beautiful scenic views. The elevated loft kitchen overlooks the spacious great room, creating an open, inviting flow for everyday living and entertaining. A private primary suite occupies its own dedicated level, complete with an oversized primary bath and generous walk-in closet. Main-floor laundry adds everyday convenience, while the sub-basement provides excellent additional storage. The fully finished walkout lower level is ideal for a second living space, guest area, or potential in-law suite, featuring a comfortable family room, fourth bedroom, and full bathroom with direct access to a covered patio. Outside, the property is fully set up for outdoor living, hobbies, or homesteading. A 16x24 pole barn is wired with electricity and offers flexible space for a workshop, equipment, storage, or livestock, with access to a grazing field. Closer to the home, a 5x15 dual-purpose, four-door storage shed and chicken coop comes equipped with a solar-powered automatic coop door, roosting bars, and nesting boxes. The spacious fenced backyard features mature shade trees with beautiful fall color, while established apple, mulberry, and persimmon trees offer seasonal fruit and add to the property’s homestead charm. An outdoor firepit creates the perfect spot for gathering under the stars on cool evenings. Enjoy the space, privacy, and peaceful setting of country living without sacrificing the conveniences of town! With grocery stores & everyday shopping just five minutes away, Liberty 15 minutes away, and downtown Kansas City only 30 minutes from home, convenience is always within easy reach. Properties offering this combination of acreage, versatility, peaceful country living & proximity to town

14113 Cameron Road, Excelsior Springs

Listing courtesy of Eddie Davis of Orenda Real Estate Services.
$269,950
3 Beds ⋅ 2 Baths
If garage space and a big yard are high on your wish list, this one delivers! This 3 bedroom, 2 bath home offers approximately 1,456 finished square feet, including a finished lower level with flexible living space. Inside, you’ll find a bright kitchen with wood cabinetry and stainless steel appliances, a spacious living room with a bay window, and plenty of storage throughout. Outside, the .45 acre lot features mature trees, a large multi level deck with built in seating, an attached two car garage, and a separate two car detached garage, perfect for vehicles, hobbies, tools, or a workshop. Located in the Excelsior Springs School District with no HOA. Seller will make no repairs. Selling AS IS. Please include the In its preseent condition with your offer. Square footage, room count/sizes, property tax, school, and HOA information are approximate. Buyer/Buyer’s Agent to verify.

1207 Saint Paul Avenue, Excelsior Springs

Listing courtesy of Rustin Dowd of KW Diamond Partners.
$165,000
3 Beds ⋅ 2 Baths
Located in the Westwood Hills subdivision, 207 Augustus Street offers 3 bedrooms, 2 full baths, and approximately 1,584± finished square feet in a raised-ranch floor plan. The primary bedroom includes an en-suite bath, and both bathrooms have been renovated. Additional features include an enclosed sunroom, hardwood floors beneath the carpet, and a partially finished basement with built-in shelving, laundry hookups, and ample storage. Updates include the HVAC system, water heater, plumbing, and a 200-amp electrical panel. Outside, the 9,148± square-foot lot features a fully fenced backyard, a large deck for outdoor entertaining, and a powered hot tub. The property also includes a 1-car garage and a convenient location near shopping, grocery stores, schools, and downtown Excelsior Springs. Property is being offered through an online auction on September 25 at 1 PM.

207 Augustus Drive, Excelsior Springs

Listing courtesy of Alex Forster of Cates Auction & Realty Co Inc.
$239,500
4 Beds ⋅ 2 Baths
Tucked into the peaceful lake community of Crystal Lakes, this thoughtfully updated four-bedroom, two-bath home offers the charm of lakeside living with the comfort of extensive modern improvements. From the front of the property, enjoy picturesque views of the lake while being conveniently located near the entrance to the community for easy access year-round. Nearly every major living space has been refreshed, including a beautifully remodeled kitchen featuring all-new cabinetry and a complete suite of new appliances. Both bathrooms have been completely renovated with updated finishes, creating a move-in-ready home that combines style with everyday functionality. The finished lower level provides a versatile fourth bedroom, ideal for guests, a home office, or additional living space. Additionally, the roof is only five years old, adding peace of mind for years to come. Outdoor living has been enhanced with an expanded deck overlooking the fenced backyard, offering plenty of room for entertaining, relaxing, or enjoying the peaceful surroundings. A newly constructed storage shed provides additional space for lawn equipment, lake toys, or hobbies. Crystal Lakes is known for its quiet setting and recreational opportunities, making this home equally suited as a full-time residence or a weekend retreat. Please note that the roads serving the property are gravel, and a four-wheel-drive vehicle is recommended during periods of snow or icy winter weather. If you've been looking for an updated home with lake views, modern finishes, and the relaxed lifestyle that Crystal Lakes has to offer, this property deserves a place at the top of your list.

31793 Darin Lane, Excelsior Springs

Listing courtesy of Matt Edwards of 1st Class Real Estate KC.
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