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

$209,000
2 Beds ⋅ 2 Baths
This 2-bedroom, 2-bathroom home in Osceola, Missouri, is worth a look! Built in 1970, this 1,444-square-foot home sits on 6.4+/- acres and offers plenty of space to enjoy the outdoors. The property features a fenced yard, a covered porch to sit and enjoy your morning coffee, and a large barn/shed for storing equipment, working on projects, or creating your own hobby farm setup. With room for a garden, chickens, small livestock, or other homesteading ideas, there are plenty of opportunities to make this property your own. The home is serviced by a private well and septic system and has central heating and cooling for year-round comfort. Highway frontage provides easy access to and from the property. Located in St. Clair County, Osceola is a small Missouri town with a laid-back atmosphere and a strong connection to the outdoors. You'll find local shops, restaurants, schools, and everyday conveniences in town, while Truman Lake and the surrounding countryside offer plenty of opportunities for fishing, hunting, boating, and exploring. Whether you're looking for a place to call home, a small hobby farm, or a little acreage to grow a garden and enjoy the country life, this property offers the space and potential to make it happen.

11795 SE TT Highway, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$488,750
Private Missouri Recreational Retreat Between Osceola & El Dorado Springs. Your own private piece of the Missouri Ozarks is waiting. Whether you’re looking for a hunting property, weekend getaway, future cabin site, or simply a place to escape into nature, this recreational property offers an exceptional combination of habitat, privacy, and convenience. The property features a beautiful mix of open prairie meadows, hardwood-covered hills, and meandering creek bottoms, creating diverse habitat for abundant wildlife. The two open meadows are rich with native vegetation and appear to have remained largely untouched by the plow, adding to the property’s unique character and natural appeal. The creek bottom is lined with towering white oaks and pin oaks, creating a secluded, wilderness-like setting that feels far removed from the everyday hustle and bustle. This diverse landscape provides excellent habitat for whitetail deer and wild turkey, making the property especially appealing to the avid outdoorsman. Two excellent locations offer potential sites for a cabin, hunting camp, or RV, allowing you to create your own private recreational retreat. A quiet gravel road provides access with minimal traffic, while paved road access is less than half a mile away. Convenience is another major advantage. Situated between El Dorado Springs and Osceola, Missouri, the property is just a short drive from everyday amenities, with both communities approximately 10–15 minutes away. For those who enjoy fishing and boating, Stockton Lake, Truman Lake, and Pomme de Terre Lake are all within approximately 20–30 minutes, offering even more opportunities for outdoor recreation. If you’ve been searching for a property where privacy, wildlife, natural beauty, and recreational opportunities come together, this one deserves a closer look. Call today to schedule your private tour and experience this special piece of Missouri real estate for yourself!

TBD SW 778 Road, Osceola

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$350,000
Three income-producing spaces, one landmark downtown location!! 290 Chestnut Street gives an investor a setup that would be difficult to recreate from scratch. Positioned on a prominent corner of the Osceola square, the property combines an established commercial space on the main level with two beautifully renovated loft apartments upstairs. La Casita Mexican Restaurant currently occupies the ground floor, while the upper level operates as The Chestnut on the Square, featuring one two-bedroom loft and one one-bedroom loft.Both apartments are being sold fully furnished and have established themselves as successful short-term rentals. The renovation upstairs was done right. Tall ceilings, large windows, open living spaces and clean modern finishes give both units a look and feel that stands well above the typical lodging option in the area. Guests can stay directly on the square while being just minutes fromTrumanLake and the confluence of the Sac and Osage river arms — an area well known for year-round fishing and especially popular during the spring spoonbill season. Hunting, boating and other outdoor recreation continue to bring visitors into the area throughout the year. From an investment standpoint, the appeal is straightforward: commercial rental income on the main floor, two furnished short-term rental units above it and an established operating history already in place. There is also a basement providing additional space below the main level.For someone looking to own an income-producing property in the Truman Lake market, this is a rare opportunity to acquire a downtown building where much of the difficult work has already been done. The business space is occupied, the lofts are finished and furnished, and the property is already generating revenue from multiple parts of the building. Detailed financial information and operating history will be made available to qualified buyers upon execution of a confidentiality agreement.

290 Chestnut Street, Osceola

Listing courtesy of Tyler Mahoney of Epique Realty.
$1,750,000
8 Beds ⋅ 8.5 Baths
Welcome to Top of the World, a truly one-of-a-kind 52+ acre property overlooking the Osage River and the town of Osceola. With breathtaking views, multiple residences, an established event venue, ponds, outbuildings and abundant acreage, this unique property offers endless possibilities for a private estate, family compound, retreat, event destination or income-producing property. The estate features four separate living spaces. The main residence offers 3 bedrooms, 2 baths and an impressive Great Room designed for gathering and entertaining. A second home located just behind the main residence features 1 bedroom, 1 bath and the property's original ice house. Two additional cabins provide even more accommodations, including a 2-bedroom, 1-bath cabin built in 2017 and another 2-bedroom, 1-bath cabin overlooking the pond with a partially covered wraparound deck. At the heart of the property is a versatile event venue equipped with a full kitchen, laundry facilities, storage, separate men's and women's restrooms, dressing areas and expansive covered outdoor entertaining space. A large patio and deck overlook the stocked pond, creating an incredible setting for weddings, retreats, reunions, corporate gatherings and private events. The property itself is just as impressive. An artesian well continually supplies fresh water to the pond, while the combination of open acreage and wooded areas creates a beautiful and private setting. Multiple garages, barns and outbuildings provide ample room for equipment, storage, hobbies or future uses. Whether you're searching for a remarkable private estate, multi-generational property, event venue, retreat destination, short-term rental opportunity or a property where you can live, work and entertain all in one location, Top of the World offers a combination of improvements, acreage and views that is nearly impossible to duplicate.This isn't simply a home on acreage—it's an opportunity to create a destination.

2105 NE 315 Pvt Road, Osceola

Listing courtesy of Leah Beck of ReeceNichols - Lees Summit.
$235,000
:Looking for a place to get away, hunt, or just enjoy some peace and quiet? Take a look at this 42+/- acre property in Osceola, Missouri. Tucked away at the end of a long private road, this property offers a 756 sq. ft. studio-style cabin with an open layout including one bathroom and is serviced by a private well and lagoon. It's a simple setup with plenty of potential to make it your own weekend getaway, hunting cabin, or full-time rural retreat. The majority of the acreage is wooded, giving you plenty of room to explore, hunt, enjoy the wildlife, or simply spend time outdoors. Osceola is a small St. Clair County community with a laid-back, hometown feel and plenty of outdoor recreation nearby. Located along the Osage River and close to Truman Lake, the area is known for fishing, hunting, boating, and enjoying the outdoors. In town, you'll find local restaurants, grocery stores, hardware, a library, healthcare services, parks, and more, making it easy to enjoy the quiet country lifestyle without being too far from everyday conveniences. With 42+/- acres, a private setting, and a cabin already in place, this is a great opportunity to own a piece of the country and enjoy everything that makes the Osceola area a great place to slow down and enjoy life.

1855 NE 655 Private Road, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$72,900
You'll love this 8 acre M/L parcel of land in Osceola Missouri! With new fencing on the East and North sides and a 40 foot drive that is also already in place; some of the work has been completed for you! Dreaming of a pond view from the house? It has a pond on the property so it'll make a perfect site for building your dream home!! Located 1.5 hours from KC, 1 hour from Springfield and close to all the major lakes, you'll love this convenient location.

TBD NW 176th Street, Osceola

Listing courtesy of Darcy Roach of Homes by Darcy LLC.
$57,750
33 Individually Deeded Lots Near Truman Lake – $1,750 Per Lot! Acquire 33 individually deeded lots inside Twin Oaks Harbor, a gated recreational lake community in St. Clair County, Missouri, near Truman Lake and the Ozarks. Truman Lake offers more than 55,000 acres of water and over 950 miles of shoreline. It is known for trophy crappie, largemouth bass, white bass, blue catfish, and flathead catfish. Tucked beneath mature oak trees, Twin Oaks Harbor offers shade, privacy, and peaceful surroundings away from crowded resort communities and city light pollution. Community amenities include maintained roads, gated access, a swimming pool, year-round hot shower house, RV pump-out station, boat and lake access, and a private beach. Tiny homes and full-time RVs are allowed subject to community rules. Buy the entire portfolio and resell lots individually, bundle neighboring lots, hold for appreciation, create weekend retreats, or sell over time for cash flow. Enjoy ATV riding where permitted, walking, bird watching, mushroom hunting, deer watching, campfires, fishing, boating, and stargazing. Located near Lowry City, with fuel and basic conveniences nearby, approximately 120 miles southeast of Kansas City. Offered at $1,750 per lot or $57,750 for all 33 individually deeded lots.

Lot 27 Shawnee Court, Osceola

Listing courtesy of Eddie Davis of Orenda Real Estate Services.
$329,000
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 1.5 hrs 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.
$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.
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