Excelsior Springs Homes with USDA Loan Financing

Excelsior Springs Homes with USDA Loan Financing

Welcome to Excelsior Springs, Missouri—a charming city that beautifully blends rich history with modern amenities. Nestled just 30 miles northeast of Kansas City, Excelsior Springs is renowned for its natural mineral springs, which have attracted visitors for centuries. With a vibrant downtown area, lush parks, and friendly neighborhoods, this city offers a unique small-town feel while still being conveniently close to the urban excitement of Kansas City.

One of the standout features of Excelsior Springs is its commitment to community and quality living. Here, you’ll find a variety of homes that cater to diverse lifestyles, from charming bungalows to spacious family residences. Excelsior Springs is also a designated area for USDA Loan Financing, making it an excellent choice for first-time homebuyers and those looking to invest in their future. With no down payment required and competitive interest rates, USDA loans open the door to homeownership for many residents.

Imagine waking up to the soothing sounds of nature, enjoying a leisurely stroll through the scenic parks, or indulging in the local dining scene that boasts everything from cozy cafes to fine dining. With a strong sense of community and an array of recreational activities, Excelsior Springs is not just a place to live; it’s a place to thrive.

Whether you're considering a move or looking to invest, Excelsior Springs offers an inviting atmosphere and ample opportunities for homeownership. Explore the possibilities today and discover why so many are proud to call Excelsior Springs home!

Newest Excelsior Springs Homes with USDA Loan Financing

$70,000
Beautiful 4-acre residential lot with road frontage, offering plenty of space to build your dream home or enjoy a peaceful country setting. Buyer to verify all information, including zoning, utility availability, and building requirements.

Klatt Road, Excelsior Springs

Listing courtesy of Emorye Moore of Juncture.
$289,900
3 Beds ⋅ 2 Baths
Welcome to this beautifully updated home in an established west Excelsior Springs neighborhood, located less than one mile from Excelsior Springs Hospital. Blending comfort, convenience, and thoughtful updates, this move in ready home offers outstanding curb appeal and a long list of improvements. Recent updates include new flooring, fresh interior paint, granite countertops, a new water heater, updated lighting fixtures, and a beautiful and newly built oversized back deck. Replacement windows were installed by a previous owner add even more value and efficiency. The spacious deck overlooks a tree lined backyard and features stairs leading to the yard below, creating the perfect space for entertaining, relaxing, or enjoying your morning coffee. The covered patio beneath the deck provides a comfortable outdoor retreat, rain or shine. Two rear facing garages offer added privacy, while the oversized driveway provides ample parking for multiple vehicles. Inside, you’ll find three generously sized bedrooms on the main level, including a primary suite with a private bath and walk in shower. A second full hall bath serves the additional bedrooms and guests. The inviting living room features a cozy wood burning fireplace, while the finished walkout basement expands your living space with a second fireplace, a large family or recreation room, and a utility room. Whether you need space to entertain, work from home, or simply relax, this flexible lower level has you covered. The backyard is fenced along the sides and rear, offering plenty of room for pets, play, or outdoor activities. Mature trees provide shade, privacy, and a peaceful setting you’ll appreciate year round. With quality updates throughout, functional living spaces, and an excellent location, this home offers the perfect combination of style, comfort, and convenience. If you’ve been searching for a move in ready home where the hard work has already been done, this one deserves a spot at the top of your list!

1229 Michele Drive, Excelsior Springs

Listing courtesy of Kenny Manley of ReeceNichols-KCN.
$199,500
3 Beds ⋅ 1 Baths
Major updates make this beautifully renovated three-bedroom, one-bath true ranch a must-see! Enjoy peace of mind with a brand-new roof and gutters, all-new windows, a new exterior air-conditioning unit, and a new water heater. Tucked away on a quiet street in charming Excelsior Springs, this move-in-ready home has been thoughtfully updated throughout. Inside, you?ll find fresh paint, new trim, and all-new interior and exterior doors. The completely remodeled kitchen features new cabinets, countertops, backsplash, sink, and garbage disposal, while the updated bathroom offers modern finishes and style. The spacious living room and kitchen provide an inviting layout for both everyday living and entertaining. New flooring and carpeting flow throughout the home, and brand-new front and rear decks create the perfect spaces to relax and enjoy the outdoors. Don?t miss the opportunity to own this tastefully updated ranch home in a peaceful setting with so many costly improvements already completed.

103 Berton Road, Excelsior Springs

Listing courtesy of Linda Terrell Mazan of BHG Kansas City Homes.
$250,000
3 Beds ⋅ 2 Baths
This home is a true gem. Owner has put so much into it you only need to move in and enjoy living here. The driveway will fit 5 cars, so parking is never an issue. The backyard is huge and fenced!!! Sit in the screened in patio or the covered front porch and enjoy the peace and quiet of the neighborhood. These spaces make it easy to entertain. Home is situated on a dead end street. Inside you have 3 large bedrooms and two full bathrooms. Bring your queen and king size beds! The big ticket items are all taken care of too! Newer furnace and AC. New Windows! This should check all your boxes!!

920 Tracy Avenue, Excelsior Springs

Listing courtesy of Michelle Anaya of RE/MAX Innovations.
$299,000
4 Beds ⋅ 2 Baths
Welcome home to this well-maintained all-brick ranch nestled on a quiet, tree-lined street in one of Excelsior Springs' established neighborhoods. Built in 1966, this home offers the quality construction and timeless character that's hard to find today, combined with thoughtful updates that make it move-in ready. Inside, you'll love the remodeled open-concept kitchen featuring stainless steel appliances, abundant cabinet space, and a seamless flow into the spacious hearth room. New flooring adds a fresh, modern feel, while the hearth room opens directly to the patio and fully fenced backyard—perfect for entertaining, relaxing, or letting pets and kids play safely. With four bedrooms, there's plenty of room for a growing family, guests, or a dedicated home office. The expansive basement offers incredible flexibility with a large unfinished area ideal for storage, hobbies, or future expansion. The brand new driveway leads to the oversized garage allows for storage for tools, fridges or hobby cars. The mature trees surrounding the property provide beautiful shade and create a peaceful setting you'll appreciate year-round. Whether you're searching for your first family home, need extra space, or are looking to downsize without sacrificing comfort or quality, this home offers the convenience of main-level living with room to grow. Located just minutes from the historic Elms Hotel, downtown Excelsior Springs, parks, shopping, and schools, you'll enjoy the charm of a close-knit community while remaining within easy commuting distance of Kansas City. Don't miss your opportunity to own this solid, beautifully maintained brick ranch in a desirable neighborhood!

602 Pierson Street, Excelsior Springs

Listing courtesy of Edward Van Buskirk of 1st Class Real Estate Summit.
$400,000
3 Beds ⋅ 2.5 Baths
Looking for a little extra space without giving up convenience? This 3-bedroom, 2.5-bath split-level sits on 2 acres just outside Excelsior Springs and offers the perfect balance of country living and easy access to town. Inside, you'll find two spacious living areas, each with a cozy wood-burning fireplace, giving everyone plenty of room to spread out. The kitchen includes the appliances and opens to the back deck, making it easy to enjoy your morning coffee or relax while taking in the peaceful surroundings. Several major updates have already been completed, including a new septic system in 2024, plus a new water heater and water softener in 2025, giving buyers added peace of mind. Outside, the attached 2-car garage is complemented by a 960-square-foot shop with a concrete floor and 40-amp electrical service, perfect for hobbies, projects, equipment, or extra storage. Bonus attached chicken coop in shop. If you've been searching for room to enjoy the outdoors with practical updates already in place, this property is one you won't want to miss.

207 Evergreen Street, Excelsior Springs

Listing courtesy of Jennifer Engbroten of RE/MAX Heritage.
$339,900
4 Beds ⋅ 3 Baths
Welcome home to one of Madison Park's most versatile floor plans! Nestled in a quiet cul-de-sac setting, this home offers generous living spaces on both levels with room for everyone to spread out while still feeling warm and inviting. The bright walk-out lower level features an expansive family room, additional bedroom, full bath, and abundant storage—perfect for movie nights, guests, a home office, or multi-generational living. Step outside and enjoy your own backyard retreat. The oversized fenced yard offers plenty of room to play, entertain, or simply relax. Cool off in the above-ground pool, host summer cookouts on the spacious deck overlooking the yard, or unwind beneath the patio below. Additional features include a storage shed, large unfinished storage/mechanical room, and a location that combines neighborhood charm with easy access to schools, parks, shopping, dining, and major highways. Come discover a home designed for gathering, entertaining, and making memories in every season.

2227 W Ivory Circle, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$359,900
3 Beds ⋅ 2.5 Baths
Welcome home to this spacious reverse story-and-a-half offering an ideal blend of comfort, functionality, and value! Featuring 3 generously sized bedrooms, 2.5 bathrooms, and a 2-car garage, this home provides plenty of room to spread out. The main level includes a convenient laundry room, while the open floor plan offers large rooms throughout for comfortable everyday living. Step outside to enjoy the deck overlooking the fenced backyard, complete with a storage shed for additional space. If you're looking for a home with a practical layout, spacious living areas, and a great outdoor setting, this one is a must-see!

2224 W Ivory Circle, Excelsior Springs

Listing courtesy of Chris Dalton of Dalton Realty, LLC.
$430,000
5 Beds ⋅ 3 Baths

2032 W Springs Way, Excelsior Springs

Listing courtesy of Jen Langston Justus of Dream Properties Real Estate.
$430,000
5 Beds ⋅ 3 Baths
LOCATION LOCATION LOCATION! Minutes from the city! 30 minutes from KCI airport! Customize Your Dream Home! This thoughtfully designed floor plan offers spacious living areas, a functional layout, and the opportunity to personalize many of the home’s finishes. Buyers still have time to select available options, upgrades, and design finishes to create a home that reflects their unique style and preferences. Available selections may include flooring, cabinetry, countertops, lighting, paint colors, hardware, tile, and additional upgrade packages. Don’t miss this opportunity to build a semi-custom home tailored to your needs while enjoying quality craftsmanship and modern design. Soaring ceilings, kitchen island, convenience with the laundry, wooded lot, and more! Finishes, specifications, and upgrade options are subject to builder timelines, availability, and pricing. Photos and renderings may depict upgraded features not included in the base price.

2030 W Springs Way, Excelsior Springs

Listing courtesy of Jen Langston Justus of Dream Properties Real Estate.
$398,900
3 Beds ⋅ 2 Baths
Brand New True Ranch with beautiful finishes! From the moment you arrive, the curb appeal gives off a warm earthy, modern vibe that feels both stylish and welcoming. Step through the front door and you are instantly greeted by a bright, open floor plan that feels like home. The kitchen is absolutely gorgeous, featuring beautiful, stained cabinetry, a spacious center island, nice pantry, and a seamless flow into the dining area. From the kitchen/dining space, step right out onto the back deck — perfect for morning coffee, grilling, or relaxing outdoors. The primary suite is tucked privately on one side of the home and offers a beautiful retreat with double sinks, walk-in closet, and a spa-like shower. The two guest bedrooms are located on the opposite side of the home, giving everyone a little extra privacy. Main-level laundry adds everyday convenience. One of the standout features is the chic custom staircase railing that leads to the full walkout basement. The lower level offers incredible potential to finish additional bedrooms, bathroom, living space, or whatever fits your needs. Fantastic location and gorgeous designer details throughout make this brand-new home a must-see!

2211 Ashford Street, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$405,000
3 Beds ⋅ 2 Baths
Brand new Ranch! No steps on main level! This open plan features high ceilings, fireplace, large kitchen island, custom cabinetry, pantry with barn door, quartz countertops and laundry room. Primary suite with walk-in closet. Double vanity and walk-in shower. Covered porch and patio. Unfinished walkout lower level. Located in a craftsman style neighborhood. Buyer still has time to choose colors. Interior pictures are from a previous listing that looks very similar but this one is bigger with higher ceilings, bedrooms and features a walk out basement. House is located in an area that QUALIFIES FOR USDA HOME LOAN**0 MONEY DOWN FINANCING

2031 Riverstone Drive, Excelsior Springs

Listing courtesy of Steven Hall of Realty Results.
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