Osceola Homes with Conventional Financing

Osceola Homes with Conventional Financing

Welcome to Osceola, Missouri, a charming town nestled in the heart of St. Clair County. Known for its friendly community and picturesque landscapes, Osceola offers a unique blend of small-town charm and modern conveniences. With its rich history, vibrant local culture, and stunning natural beauty, it's no wonder that many are choosing to call this delightful town home.

Osceola is surrounded by lush greenery and is located near the serene waters of the Osage River, making it an ideal spot for outdoor enthusiasts. Whether you enjoy fishing, hiking, or simply taking in the scenic views, you'll find plenty of opportunities to connect with nature. The town is also home to various local shops, restaurants, and community events that foster a strong sense of belonging and engagement among residents.

For those considering making Osceola their home, a variety of housing options are available, with many properties eligible for conventional financing. This means that potential buyers can access a wide range of affordable homes without the complexities often associated with alternative financing methods. From charming historic houses to modern builds, there is something for everyone in this welcoming community.

With its beautiful surroundings, friendly atmosphere, and access to conventional financing options, Osceola, MO, is an excellent choice for first-time homebuyers or those looking to settle down in a peaceful environment. Experience the warmth of Osceola and discover the perfect home for you and your family in this hidden gem of the Midwest!

Newest Osceola Homes with Conventional Financing

$359,900
If you've been searching for a true recreational property with great hunting potential, this 78.94-acre tract in St. Clair County deserves a look. It is located just outside Osceola, Missouri, this property offers the ideal combination of mature timber, wildlife habitat, and outdoor recreation. The land features two ponds for fishing, mature hardwood timber, and multiple locations ideal for establishing food plots to attract and hold deer and other wildlife. Existing partial trails provide access throughout much of the property, making it easy to navigate by ATV or on foot. One of the property's outstanding features is that it adjoins Corps of Engineers land, giving you direct access to thousands of additional acres for hunting, hiking, and exploring. Electricity is available across the property, providing excellent potential for a future cabin, campsite, or hunting retreat. Located along Truman Lake, this property offers easy access to several nearby boat ramps, making it convenient for hunting, boating, fishing, and water recreation. The property is approximately 5 miles from Osceola and 26 miles from Clinton, providing access to shopping, dining, and essential services while maintaining a private, secluded setting. This property is 66 miles from Springfield and 105 miles from Kansas City.

0000 NE 251 Road, Osceola

Listing courtesy of Chuck Simpson of United Country Real Estate Buckhorn Land and Realty.
$800,000
Discover an exceptional opportunity to own 201± acres of premier recreational land bordering Corps of Engineers property along the shores of Harry S. Truman Lake. Properties of this size with direct Corps of Engineers frontage are exceptionally rare. Located just west of Hogles Creek, one of Truman Lake's most sought-after fishing areas, this remarkable property offers an outdoor lifestyle that is increasingly difficult to find. Conveniently situated just 15 minutes from Osceola and Clinton, approximately 30 minutes from Warsaw, and only 1 hour, 30 minutes from Kansas City, you'll enjoy the perfect balance of seclusion and accessibility. The property is a true outdoor paradise with mature hardwood timber, scattered cedar thickets, open pasture, and secluded clearings. The diverse habitat provides excellent cover and natural food sources, creating outstanding deer and turkey hunting opportunities. Several open areas are ideal for food plots or enhancing wildlife habitat, while the mature timber offers beauty and long-term value. A peaceful pond provides another place to cast a line or simply relax and enjoy nature. Backing directly to thousands of acres of Corps of Engineers land, this property provides expanded access to public ground for hiking, hunting, wildlife viewing, and exploring while preserving the privacy of your own acreage. Whether you're looking to create a premier hunting retreat, establish a weekend getaway, build a secluded cabin, or invest in a rare piece of Missouri land, this property offers endless possibilities. One of the area's best fishing destinations lies just beyond your property line. Hogles Creek, immediately east of the property, is renowned for premier crappie fishing, productive coves, submerged timber, and abundant brush piles. Nearby boat ramps provide quick access to outstanding fishing, boating, and water recreation.

TBD Shockman Avenue, Osceola

Listing courtesy of Julie Newton of Elite Realty.
$22,000
?Are you wanting to build your dream home? This Double corner lot sets in the Silverfox Subdivision giving you a prime location to build and still have a huge yard. ?This large corner lot gives you multiple access points, city water and city sewer. This saves you the cost and hassle of drilling a well and installing a septic. This .80 acres is the perfect place to build your next home or make an investment for your future. Located in Osceola, Missouri in the Truman Lake area 1 mile from the Osceola Boat Ramp and town square, means you never have to travel far to fish, hunt or take care of business. This property sets 1 mile from Osceola Public Schools, 30 minutes south of Clinton and 30 minutes north of Bolivar. This property is 1 hour and 45 minutes from Kansas City and 1 hour 15 minutes from Springfield.

State Hwy WW Highway, Osceola

Listing courtesy of Chuck Simpson of United Country Real Estate Buckhorn Land and Realty.
$599,000
Discover this exceptional 144± acre recreational and hunting property in St. Clair County, Missouri. Predominantly covered in mature hardwood timber, the property features a healthy mix of white oak, red oak, and hickory trees. Several secluded openings are already in place, offering ideal locations for food plots and wildlife management. A well-established network of two-track trails provides excellent access throughout the property, making it easy to navigate in a variety of hunting conditions and wind directions. The landscape offers numerous ridge tops, bedding areas, and natural pinch points that create outstanding opportunities for deer hunting. Adding to its appeal, the property borders large tracts of Corps of Engineers land that can only be accessed through this property or by boat, effectively expanding the amount of acreage available for recreation and hunting. One of the trails leads directly to a quiet cove on Truman Lake, providing convenient access to fishing and other outdoor activities. Portions of the timber may also offer future harvest potential, creating an opportunity for additional income through responsible timber management. The property includes a well-maintained trailer that would make an excellent hunting cabin, weekend retreat, or base camp for outdoor adventures. The trailer is equipped with both a water well, lagoon, and electricity, providing the comforts needed for extended stays. A small storage shed is also included, offering space for a lawn mower, ATV, hunting equipment, tree stands, or blinds. Whether you're looking for a turnkey hunting property or a peaceful getaway, the existing improvements add immediate functionality and value. Located along Truman Lake, this property offers easy access to several nearby boat ramps, making it convenient for boating, fishing, and water recreation. The property is approximately 10 miles from Osceola and 25 from Clinton.

5760 NE 871 Private Road Road, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$49,999
*BACK ON MARKET AT NO FAULT TO SELLERS* The sellers are highly motivated and have recently made improvements to the property! Two of the three campers/trailers have been removed, leaving an expansive area with concrete-poured pads already on-site—perfect for future development or use. This allows the land to be presented in a cleaner, more appealing way for buyers! While the property is listed under Osceola, it is essentially located at Truman Lake, which may sometimes cause confusion regarding the location and directions. 3 Acres at Truman Lake – A Hunter’s Paradise! Discover this rare opportunity to own 3 wooded acres in the Whispering Oaks Subdivision. This gorgeous land is surrounded by Corps of Engineer land, just minutes from Truman Lake! The possibilities are truly endless! An absolute outdoor enthusiast’s dream – enjoy hunting for deer and turkey right on your doorstep, with world-class fishing nearby. Just 2 miles to the Osage River and only 9 miles to Talley Bend! This property is conveniently located just two minutes from the nearest boat ramp, offering quick and easy access to the water. Whether you’re looking for a peaceful getaway or a hunter’s retreat, this property has it all! This is a fantastic opportunity—schedule your showings today!!!

10065 NE 1399 Private Road, Osceola

Listing courtesy of Kyra Todd of Realty ONE Group Metro Home Pros.
$300,000
Here’s your chance to own rare acreage that borders Corps of Engineers property near Truman Lake Reservoir! This 52 +/- acres sits just west of Osceola, Missouri, and has great access right off blacktop Highway B. You will fall in love with the well-maintained and manicured setting, along with the outbuilding that is complete with living quarters. The building is approximately 24’x60’ and offers plenty of storage space for equipment and gear. The finished portion includes a sleeping area and bathroom. Relax and enjoy the large screened-in porch area with a stone wood-burning fireplace. Another bonus is the utility shed, perfect for storing additional equipment and tools. Beyond the outbuilding, you will discover your very own outdoor paradise that has it all! The property is heavily wooded with a great mix of hardwoods and patches of cedars. Deer and turkey hunting is excellent! Gravel road frontage along the west border provides additional great access points to stand locations. The north end has a large pasture field that would make for a great food plot. Salt Creek borders the northeast corner, which offers additional recreational fun. Best of all, the property backs up to Corps of Engineers land, providing direct access to thousands of public-use acres, including Mills Lake, less than 150 yards from the outbuilding. This setup is totally awesome and a perfect place to hunt, fish, explore, or simply to get away from it all. Access to boat ramps and fishing around Truman Lake is ideal. Talk about an incredible location for all things outdoors!

820 NW B Highway, Osceola

Listing courtesy of Skyler Wirsig of Midwest Land Group.
$995,000
3 Beds ⋅ 1 Baths
83+ Acres Overlooking the Sac River | Historic Cabin | Prime Recreational Retreat This is the kind of property people wait years to find. Spanning 83+ acres with sweeping views, along the half a mile plus of the Sac River, this tract offers a rare blend of history, privacy, and usability. The land lays beautifully with a mix of timber, open ground, and natural habitat—ideal for hunting, fishing, trail riding, or simply getting off the grid. There are a total of five ponds on the property. There are three large ponds that offer ample opportunity for fishing, two of which are spring fed with crystal clear water year round. The other two smaller ponds serve to provide water for the abundant wildlife. Much of the open ground is planted in native prairie grass. Close to a third of a mile of bluffs overlooking the river provide plenty of opportunities to build a new home or just enjoy the views. You'll often get to enjoy the sights and sounds of Bald Eagles soaring or fishing on the river and most every night the owls and whippoorwills will sing you to sleep.. and the stars!! Tucked into this landscape sits a charming cabin originally built in the 1800s. A cozy, rustic cabin where you can curl up next to the fire or sit out on the deck overlooking the river and the valley beyond. It’s the perfect basecamp for weekend escapes—or a full-time residence if you’re ready to trade noise for nature. The views are the real showstopper—elevated vantage points overlooking the river valley create a setting that feels expansive, peaceful, and completely yours. Whether you’re looking for a hunting/fishing property, recreational getaway, or a private homestead with history and soul, this one delivers. Highlights: 83+ acres overlooking the Sac River Over 1/2 mile plus of river frontage Charming historic cabin (1800s origin) Excellent hunting, fishing, and wildlife presence Scenic views and rolling terrain Ideal for recreation, weekend retreat, or full-time living

8780 SW 75 PVT Road, Osceola

Listing courtesy of Christopher Hooper of EXP Realty LLC.
$779,000
4 Beds ⋅ 2.5 Baths
This premier 15+/- acre estate in Saint Clair County, with multiple homes and outbuildings, is a family's dream come true. A luxurious 3,883 square foot 4 bed, 2.5 bath home is intentionally set on top of a hill overlooking a large pond out front and mature timber with a wet-weather creek behind the house for a stunning 360-degree view. Walking inside, you are greeted with a large family room, a fireplace, and a kitchen fit for a chef. A large 6-burner range is surrounded by custom granite countertops, and the large windows provide natural lighting along with a great view of the pool out back. The master bedroom is designed for a place of refuge and relaxation with large windows, a wood-burning stove, a jacuzzi tub, a walk-in shower, double sinks, and private access to the pool. A large family room on the other side of the kitchen provides a great space for entertaining, with access to the pool out back and an adjoining theatre room to continue the fun after a long day in the pool. Three large bedrooms can be found just down the hall, along with a large bathroom that has an oversize walk in shower with marble tile and countertop throughout. An attached 2-car garage gives access to vehicles regardless of the weather and storage space for the solar batteries powered by the 48-panel solar array outside. A partial walk-out basement provides extra space for storage, hobbies, and protection during storms. Next to the house is a spacious 40’x60’ shop with concrete floors, electricity, a 1/2 bath, and an indoor racquetball court. The second home is a cozy 2 bed, 2 bath manufactured home with an attached garage and is handicap accessible, making it ideal for all guests. The 20’x30’ shop next door provides ample space for lawn equipment, dirtbikes, ATVs, or extra work space for projects. The third house is a cottage-style 1 bed, 1.5 bath, just down the hill, and its location and privacy make it ideal for short-term rental income. An additional 64+/-acres is available.

5515 NW 451 Road, Osceola

Listing courtesy of Andy Unruh of Midwest Land Group.
$229,900
3 Beds ⋅ 2 Baths
Welcome this this beautifully built new construction home offering 3 bedrooms, 2 full baths, plus an office space across approximately 1,300sq ft. of thoughtfully designed living space on a .20 acre lot. Step inside to a warm, inviting layout featuring a bright open concept design that makes the home feel both cozy and functional. The kitchen is complete with stainless steel appliances (stays with home), plenty of counter space, and beautiful cabinetry. The split bedroom floor plan offers added privacy, white the bonus office space provides flexibility for working from home, hobbies, or addition guest space. Enjoy your morning coffee on the covered front or back porch. Located in Osceola, you'll appreciate the small town feel while also being VERY close to the Osage arm of Truman Lake, adding an extra layer of outdoor recreation nearby. Move in ready. 1 year builder warranty. Buyer to confirm dimensions.

140 C Street, Osceola

Listing courtesy of Jordan Bush of Homes by Darcy LLC.
$449,000
4 Beds ⋅ 2 Baths
Home for sale St. Clair County Missouri Situated on 42± acres in St. Clair County, Missouri, this charming 4-bedroom, 2-bath, 2,748sqft home offers the perfect mix of comfort, space, and peaceful country living. Inside, you'll find a warm and inviting atmosphere highlighted by beautiful wood peaked ceilings that create an open, spacious feel throughout the main living area. Large windows throughout the home fill the space with natural light while offering scenic views of the surrounding countryside. The home is serviced by a private well and septic as well as central air and propane heat. House for sale Osceola Missouri A bright sunroom/entry way provides the perfect place to relax, enjoy your morning coffee, or take in the views of your acreage and the abundant wildlife that frequent the property. The home also features a circle driveway for easy access and added curb appeal and is located within the El Dorado Springs School District. With plenty of room for recreation, livestock, or simply enjoying the privacy of rural living, this 42± acre property offers endless possibilities for anyone looking to enjoy the beauty and tranquility of the Missouri countryside.

875 SW Highway 54 N/A, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$1,500,000
3 Beds ⋅ 3.5 Baths
A true Triple Feature property including an amazing home, 222+/- acres of land and a guest house. Tucked away just outside Osceola, MO, this exceptional listing offers the rare combination of luxury living and privacy all on an expansive property. Situated on just over 222 acres, the land features a beautiful mix of mature woods, timber, ponds, open pasture and ample wildlife, including an abundance of deer and turkey. The main residence has an impressive nearly 6,000 sq ft of living space. Built in 2009 and designed for both comfort and function, this home offers 3 bedrooms and 3.5 bathrooms, including a main level master-suite with double walk-in closets. The gorgeous kitchen stands out, featuring high-end finishes and a huge walk-in pantry. Enjoy the views on the amazing screened-in porch and the expansive covered patio overlooking your piece of heaven. Additional features include a massive 3-car garage for your cars, side-by-sides and outdoor toys. And its temperature controlled too! For hunters or security needs the basement includes a secure 400 + sq ft safe room with a Smith Security Safes Inc’s vault door. A Generac whole-home generator, for peace of mind, is another perk. A fully functional guest house adds tremendous value, featuring its own kitchen, living room, bedroom loft and garage—perfect for guests, extended family, or rental potential. The Property has road frontage on three sides; access is excellent while still maintaining a secluded feel with the main residence sitting one half a mile off the highway. The timber offers unlimited opportunity for hunting and recreation. Mixed in is over 30 acres of easily accessible pastureland and/or hay fields, further enhancing this properties potential.

3815 476 Road, Osceola

Listing courtesy of Triple Key Team of RE/MAX State Line.
$2,780,000
An outstanding opportunity to acquire 402± acres of very productive row crop farmland located in St. Clair County, Missouri, just south of Osceola along Highway WW. This farm offers excellent agricultural value with strong soils that have a proven history of high yields, making it an ideal addition to any farming operation or investment portfolio. The property features large, contiguous fields that are well-suited for efficient modern farming practices, with convenient highway frontage providing easy access for equipment and transport. The land’s productivity, combined with its desirable location in a well-established agricultural area, makes this farm a standout offering. Whether you are an operator looking to expand or an investor seeking quality Missouri farmland, this 402-acre row crop farm represents a rare chance to own premium, income-producing ground in a highly sought-after area of St. Clair County.

WW Highway, Osceola

Listing courtesy of Dan Hertzog of America's Land Partners - Missouri.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use