Odessa Homes with FHA Financing

Welcome to Odessa, Missouri – a charming city that beautifully blends small-town charm with modern conveniences. Nestled in Lafayette County, Odessa is a welcoming community that offers residents a peaceful lifestyle while still being conveniently located near larger urban centers like Kansas City. With its picturesque landscapes, friendly neighborhoods, and rich history, Odessa is an ideal place to call home.

Odessa boasts a variety of amenities that cater to families, young professionals, and retirees alike. The city is home to excellent schools, local parks, and recreational facilities, making it a perfect choice for those who enjoy outdoor activities and community events. The vibrant downtown area features unique shops, cozy cafes, and delightful dining options, providing a warm atmosphere for residents and visitors alike.

For prospective homebuyers, Odessa offers a range of housing options, including many properties eligible for FHA financing. The Federal Housing Administration (FHA) loan program is designed to make homeownership more accessible, especially for first-time buyers. With lower down payment requirements and flexible credit guidelines, FHA financing can help you secure your dream home in this lovely city.

Whether you're seeking a quaint starter home, a spacious family residence, or a charming cottage, Odessa has something for everyone. With its affordable housing market and welcoming community spirit, now is the perfect time to explore the opportunities that await you in Odessa, Missouri. Discover your future home in this delightful city and enjoy all that it has to offer!

Newest Odessa Homes with FHA Financing

$235,000

2 Beds ⋅ 1 Baths

Amazing 0.88 acre lot surrounded by mature trees, offering plenty of space for gardening, outdoor activities, and enjoying your own private retreat! This updated ranch home features a spacious kitchen with a large island and custom cabinetry, along with a generous living room that’s perfect for entertaining and gatherings. An additional living space with a beautiful bay window fills the room with natural light and offers the flexibility to create a home office, hobby room, or cozy sitting area. The main level also provides the potential for a third bedroom, if desired. The large garage includes an additional garage door at the back, providing convenient access for lawn equipment, outdoor tools, and more. Step outside and imagine transforming the expansive backyard into your own private oasis. With its mature trees, generous lot size, and versatile spaces, this property offers plenty of room to make it your own!

107 S Johnson Drive, Odessa

Listing courtesy of Danette Kay Iman of Heritage Realty.

$235,000

3 Beds ⋅ 2 Baths

Make plans to see this one!! Welcome to this remodeled 3-bedroom, 2-bath home, offering a fresh, updated interior and numerous improvements throughout. Major upgrades include a new subfloor, updated kitchen and bathrooms, new roof, new siding, and a brand-new porch. The crawl space has been encapsulated, and the electrical system has been upgraded for added peace of mind. Inside, you’ll find a comfortable layout with thoughtful updates that make this home move-in ready. Outside, the covered concrete parking area provides convenient off-street parking and protection from the elements. Located in a convenient area close to schools, shopping, dining, and everyday amenities, this home combines updates with an excellent location.

406 S 3RD Street, Odessa

Listing courtesy of The Rare Group of BHG Kansas City Homes.

$425,000

2 Beds ⋅ 2 Baths

Move-In Ready Country Living on 17 Acres – Perfect for Horse Lovers! Enjoy the privacy and natural beauty of 17 acres with a well-maintained 2-bedroom, 2-bathroom home already in place. The existing residence provides comfortable living from day one, allowing you to enjoy the property while taking advantage of the expansive acreage for horses, recreation, gardening, or future improvements. The inviting one-story home features a practical layout with luxury vinyl flooring, neutral finishes, granite countertops, stainless steel appliances, and updated fixtures. These thoughtful updates and functional living spaces offer modern comfort without the time and expense of starting from scratch. Outside, the expansive acreage provides beautiful views, peaceful surroundings, wide-open space, and room to create the country lifestyle you've envisioned. Bring your horses, enjoy outdoor activities, garden, or simply relax and appreciate the privacy and natural setting. Looking toward the future, the property also offers the potential to build your dream home while retaining the existing residence. Whether you're seeking a peaceful retreat, a property for horses, or room to expand your vision, this unique 17-acre property combines immediate comfort with exceptional flexibility and opportunity.

6455 Main Street, Odessa

Listing courtesy of Karen Day of RE/MAX Premier Properties.

$560,000

4 Beds ⋅ 3 Baths

Peaceful Lake view setting, with incredible sunrises and sunsets on 3+ acres, atop a rolling hill, sits this 5 Bedroom + 3 Bath, in Berry Hill Estates, and has all the space you've been looking for. 3300+ sqft w/ vaulted ceilings and tons of natural light. Amazing location with access to major highways and Odessa Schools. Large galley kitchen with plenty of counterspace for baking needs along with a formal dining setting for your family! Don't miss the spacious 23x23 Sunroom over looking the beautiful views of the lake and sunsets. The master en-suite is huge! An owners oasis, with room for a sitting area, an expansive walk in closet, and a spa like bathroom with dual vanities and a jetted tub. Basement features tall ceilings and stubbed for bath and lots of room to come up with plans for finishing! 3rd Car garage in basement offers lots of storage options as well! Come unwind and relax on a beautiful piece of property!

7725 Huckleberry Road, Odessa

Listing courtesy of Chris Campbell of Keller Williams Platinum Prtnr.

$237,700

3 Beds ⋅ 2.5 Baths

Completely Remodeled & Move-In Ready! Welcome home to this beautifully remodeled 3-bedroom, 2.5-bath raised ranch offering a fresh, modern feel throughout. Step inside to an inviting open floor plan that's perfect for both everyday living and entertaining. The home has been thoughtfully updated from top to bottom, including a gorgeous new kitchen and beautifully renovated bathrooms. Fresh finishes and modern updates throughout make this one truly ready for its new owners to move right in and enjoy. Step outside onto the brand-new deck, perfect for morning coffee, summer cookouts, or relaxing at the end of the day. The fenced backyard offers plenty of space for pets, kids, gardening, or entertaining, while the storage shed provides additional room for lawn equipment and outdoor essentials. With 3 bedrooms, 2.5 baths, a completely remodeled interior, open-concept living, new deck, fenced yard, and storage shed, this home checks all

803 W Main Street, Odessa

Listing courtesy of Cindy Middleton of RE/MAX Premier Properties.

$349,000

5 Beds ⋅ 2 Baths

326 E Main Street, Odessa

Listing courtesy of Chip Thompson of Realty Professionals Heartland.

$455,000

4 Beds ⋅ 3 Baths

Welcome to a private country retreat where modern design meets peaceful homestead living. Nestled on heavily wooded acreage with mature trees and expansive green space, this property serves as a haven for local wildlife, including whitetail deer roaming through the timber. It offers the ideal escape for nature lovers, hunters, and homesteading enthusiasts alike. Step inside to discover a light-filled open layout highlighted by vaulted ceilings, recessed lighting, and wood-look flooring. The spacious living room features a linear electric fireplace set beneath a custom wood mantle, ideal for relaxing or hosting guests. Upgraded finishes continue into the modern kitchen, complete with white cabinetry, stainless steel appliances, tile backsplashes, and a dining area. The home also features a water filtration system and water softener. The main-floor primary suite features oversized windows overlooking the timber, a ceiling fan, and a dedicated mini-split system for personalized climate control. Its attached primary bath impresses with double vanities, matte black hardware, and dual oval mirrors. Adding peace of mind, the primary bedroom closet doubles as a storm shelter surrounded by concrete, providing shelter during severe weather. Flexible living continues with additional comfortable bedrooms and a huge recreation room or flexible space, complete with its own mini-split unit. Bathrooms feature programmable radiant heated floors. Outside, enjoy true self-sufficiency with established raised garden beds, a greenhouse for year-round growing, and a chicken coop shed complete with electric service. Additional outdoor features include a private gravel driveway leading to concrete parking pads, a durable metal roof, and endless privacy surrounded by vibrant forest land. This energy-efficient acreage home blends rustic charm with crisp modern updates, making it a rare turn-key country haven.

1326 NW 880th Road, Odessa

Listing courtesy of Tyler Hildebrandt of RE/MAX Heritage.

$190,000

3 Beds ⋅ 1 Baths

A move-in ready one-level home! Open floorplan and spacious rooms on a large lot. New Upgrades include... All new sewer line and plumbing work! Updated paint, carpet and hardware. Enjoy this main-level living home in the heart of Odessa with plenty of room for everyone!

203 N Connor Street, Odessa

Listing courtesy of Christina Brown of Sage Door Realty, LLC.

$510,000

4 Beds ⋅ 3 Baths

Welcome to The Hill, Odessa’s exclusive new subdivision! This gorgeous, brand-new ranch home offers impressive space, quality finishes, and a thoughtful layout designed for comfortable living and entertaining. The main level features an inviting open concept living area, perfect for gathering with family and friends, along with a primary suite complete with a walk-in closet and private bath featuring a double vanity and large walk-in shower. Two additional bedrooms and a full bath are conveniently located on the opposite side of the main living area. The finished basement provides even more living space with the same quality finishes found throughout the home. Enjoy a generous family room with wet bar, a full bath, and a spacious fourth bedroom featuring a large walk-in closet - perfect for guests, a home office, or additional living space. Enjoy the added convenience of nearby Lake Venita and walking trails. With new construction, abundant living space, and a fantastic location, this home is a must-see!

702 W Marlow Street, Odessa

Listing courtesy of Danette Kay Iman of Heritage Realty.

$500,000

3 Beds ⋅ 2 Baths

Welcome to The Hill, Odessa’s exclusive new subdivision! This beautiful ranch style home offers exceptional curb appeal, featuring a covered front porch and a desirable corner lot location with Lake Venita and walking trail nearby. Step through the double door entry and immediately appreciate the upgraded finishes and serene, inviting atmosphere. The spacious open concept living area features a cozy fireplace flanked by built-in cabinets with open shelving and flows seamlessly into the stylish kitchen, complete with a large island perfect for entertaining, a pantry, and plenty of storage. The private primary suite is designed to be your personal retreat, offering a relaxing soaking tub, walk-in shower, and an oversized walk-in closet. Thoughtfully designed and beautifully crafted, this home combines comfort, style, and functionality in a fantastic location. Don’t miss your opportunity to make this exceptional home yours!

700 W Marlow Street, Odessa

Listing courtesy of Danette Kay Iman of Heritage Realty.

$525,000

4 Beds ⋅ 3 Baths

Tucked away at the end of a quiet country lane, this beautifully updated 2.3-acre retreat delivers the peace and privacy of acreage living—without gravel roads or highway noise. The 4-bedroom, 3-bath reverse 1.5-story combines a low-maintenance exterior with an open, light-filled interior featuring soaring vaulted ceilings and an easy, flowing floor plan. The private primary ensuite and a second bedroom suite are both conveniently located on the main floor, while the oversized mudroom provides the perfect transition between the garage, home, and pool. And if storage is important, you will not be disappointed. There’s room for everything, including an attached garage deep enough to comfortably accommodate a full-size 3/4-ton 4x4 pickup. The walkout lower level offers two additional bedrooms, a full bath, and a spacious family room with direct access to the outdoors. Outside, a custom in-ground pool takes center stage, complemented by a covered patio and deck that provide plenty of room to entertain, relax in the shade, and enjoy the privacy of the setting. Beyond the pool, the property backs to the community lake, creating a peaceful backdrop that makes the acreage feel even more secluded. Recent updates, including the HVAC system and roof, add even more value and peace of mind. Paved roads, no highway noise, acreage, a pool, water views, generous storage, cheap West Central utilities, and a low-maintenance exterior—this is country living with the comforts and conveniences already built in. **Your new home has been pre-inspected so you can purchase with confidence! **

7357 Valley View Circle, Odessa

Listing courtesy of The Carter Group of Keller Williams Platinum Prtnr.

$275,000

3 Beds ⋅ 2.5 Baths

Welcome to the Jennings 4th Addition neighborhood where you will find this beautiful split entry home. The spacious 3 bed, 2.5 bath layout offers comfortable living areas, vaulted ceilings, generously sized bedrooms, and plenty of room to spread out. The kitchen features lots of cabinet storage and opens to the main living area, creating a great space for everyday living and entertaining. Downstairs, you'll find a second living room complete with a wet bar—perfect for movie nights, game days, or hosting guests. The other portion of the basement provides a 2-car garage along with additional storage and a dedicated work area. New washer & dryer are staying with the property! Step outside to enjoy the back deck overlooking the .20-acre backyard. The yard is enclosed with a privacy fence and includes a storage shed, offering both outdoor space and extra storage. Enjoy the peace and quiet this home has to offer. This lovely home is ready for its next owners! Schedule your showing today!

419 E Phillips Street, Odessa

Listing courtesy of Allison Nevins of Heritage Realty.

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