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

$415,000
4 Beds ⋅ 3 Baths
Discover the comfort and convenience of this 4-bedroom, 3-bathroom home tucked away in a quiet cul-de-sac in Excelsior Springs. The California split layout features three bedrooms upstairs and an additional bedroom downstairs, offering flexibility for guests, a home office, or additional living needs. Enjoy cozy evenings by the living room fireplace, along with the fresh feel of new interior paint. Step outside through the walkout basement to enjoy a large patio, deck, and fenced backyard, creating plenty of opportunity for outdoor relaxation and entertaining. With a 3-car garage and storage shed, there's no shortage of space for vehicles and belongings. New roof installed in 2025 plus all kitchen appliances stay with the home. Located just minutes from Aldi and other convenient shopping options, this home offers a peaceful setting without sacrificing everyday convenience. Schedule your showing today!

2116 Bradford Place, Excelsior Springs

Listing courtesy of Alexis Whitlow of Real Broker, LLC.
$220,000
3 Beds ⋅ 1 Baths
Cute, cozy, and full of charm! This three-bedroom, one-bath bungalow sits on a corner lot of over half an acre that backs to the woods. The huge covered front porch has a fresh coat of paint and is perfect for slow mornings or a glass of sweet tea or lemonade on a warm afternoon! All appliances, except for the deep freezes, stay! Outside, you’ll find a large detached garage plus a separate shed for lawn and gardening tools. All appliances stay, including the washer and dryer. Come see how much this bungalow has to offer!

1300 Kearney Road, Excelsior Springs

Listing courtesy of Sabrina Caves of RE/MAX Area Real Estate.
$279,900
3 Beds ⋅ 2 Baths
Welcome home to this move-in-ready bungalow situated on a spacious 1.5-acre lot in historic Excelsior Springs! Located just down the road from the iconic Elms Hotel, this affordable property offers small-town charm with plenty of room to relax and entertain. Fresh interior paint and brand-new carpet make it easy to settle right in. Outside, enjoy an above-ground swimming pool with a beautiful surrounding deck, a covered sitting/picnic area, and a fire pit for gathering on cool evenings. An oversized detached garage and barn provide abundant space for storage, hobbies, or projects. Don’t let today’s interest rate keep you from a home you love—“date the rate and marry the home,” with the possibility of refinancing later if rates improve and you qualify. Schedule your showing today!

2006 Eastridge Drive, Excelsior Springs

Listing courtesy of Tracy Carleton of Berkshire Hathaway HomeServices All-Pro.
$325,000
3 Beds ⋅ 3 Baths
Welcome Home! This Split-Level estate on Acreage is Tastefully Updated and Move-In Ready! Some of the Major Updates include NEW Roof, New Windows, NEW Deck, NEW 200 Amp Exterior Electrical Service, NEW HVAC, NEW Water Heater, NEW Trim and Doors, NEW Garage Doors & Openers, NEW Siding on the front of the house, NEW Exterior Trim all the way around the house, NEW Exterior Doors, all NEW Interior and Exterior Paint, All New Luxury Vinyl Plank in Main living areas, and Carpet in the Bedrooms, All New Light Fixtures and Ceiling/Exhaust Fans, and More! The Main Level Living room is open, Bright, and offers lots of Natural Light along with a Cozy Brick Fireplace. The Spacious Eat-In Kitchen has been remodeled with Brand New Kitchen Cabinets, Quartz Countertops, Tile Backsplash, Modern hardware and fixtures, and equipped with a Brand New Stainless Steel Electric Range, Mircrowave and Dishwasher. The dining room opens up to the expansive back deck, Replaced in 2026. Enjoy spending your evenings on the back deck enjoying the peace and quiet and great view of the backyard! Hall/Guest Bath is all NEW including Vanity, Flooring, Light-Up Vanity Mirror, Tub, Tile Surround and Toilet. Master Bedroom is located on the Main Level and offers a fully remodeled Master Bathroom with Luxury Finishes. Laundry Room is in the Hallway on the Main Level! Basement living area and full Bath has also been fully renovated and offers plenty of extra square footage for additional living/Office space, or great for entertaining as well. The 2 Car Garage faces the side of the home with Basement Entry, and Exterior Entry from the back of the home. The Treed lot offers a park-like setting for the home, providing both shade and privacy. Don't miss this opportunity to own a 1998-Built Home on 2 +/- Acres in the country, while still being within a close distance to City Amenities! OWNER-AGENT.

33251 Koala Circle, Excelsior Springs

Listing courtesy of Kyle Shaffer of 1st Class Real Estate KC.
$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.
$360,000
3 Beds ⋅ 2.5 Baths
HUGE PRICE IMPROVEMENT! Welcome to Stone Crossing, where comfortable living, thoughtful updates, and a quiet cul-de-sac setting come together! This inviting two-story home offers a flexible front room that can serve as a formal dining room, home office, playroom, or whatever best fits your lifestyle. The spacious kitchen features rich stained-oak cabinetry, stainless-steel appliances—including a newer dishwasher—and a generous breakfast bar perfect for casual meals and entertaining. The kitchen opens to the great room, where a cozy fireplace and large picture windows create a warm gathering space overlooking the expansive, private backyard. A convenient back hallway with main-level laundry and a half bath helps keep everyday life organized. Upstairs, the spacious primary suite includes a private bathroom and an impressive walk-in closet. Two additional bedrooms and a full hallway bathroom provide plenty of room for family, guests, or hobbies. The full unfinished basement offers abundant storage and exciting possibilities for future living space, a recreation room, home gym, office, or additional bedroom. Outside, the oversized backyard is ready for summer cookouts, pets, playtime, or simply relaxing in your own private space. Important updates include a roof that is approximately five years old and a water heater that is less than one year old. Best of all, there is no HOA—giving you more flexibility without the added monthly fees. Buyers may also have the opportunity to assume the seller’s existing VA loan, subject to lender approval, buyer qualification, and applicable terms. Ask for additional details! Conveniently located near schools, shopping, and highway access, this Stone Crossing home offers the space, setting, and possibilities you’ve been searching for. 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.
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