Richmond Homes with Conventional Financing

Richmond Homes with Conventional Financing

Welcome to Richmond, Missouri – a charming city nestled in the heart of Ray County, where small-town charm meets modern convenience. Richmond boasts a rich history, friendly community, and a vibrant local culture that make it an ideal place to call home. With its picturesque streets lined with historic architecture and lush parks, Richmond offers a serene escape from the hustle and bustle of city life while still providing easy access to essential amenities.

For those looking to settle down in this delightful city, Richmond is known for its diverse housing options that cater to various lifestyles and budgets. One of the most appealing aspects of the Richmond real estate market is the availability of homes that qualify for conventional financing. This means that whether you’re a first-time homebuyer, a growing family, or looking to downsize, you’ll find a range of properties that suit your needs and financial plans.

Richmond's homes are characterized by their unique charm, with many featuring traditional designs, spacious yards, and inviting interiors. The community is also known for its excellent schools, recreational facilities, and vibrant local events, making it a great place for families and individuals alike.

If you’re ready to explore the possibilities of homeownership in Richmond, Missouri, you’ll find a welcoming community and a strong sense of belonging. With conventional financing options at your disposal, your dream home in this lovely city is within reach. Discover the beauty of Richmond and make it your new home today!

Newest Richmond Homes with Conventional Financing

$795,000
4 Beds ⋅ 3.5 Baths
This magnificent property could be your next forever home. 3.5 ACRES of beautifully landscaped grounds designed for entertaining & making memories with family & friends! Gated in ground heated pool with AZEK sun deck & slide. "SHE SHED" & fire pit area are perfect for outdoor fall gatherings. 23 X 27 insulated Shop. All lined with concrete circle drive & nostalgic fountain in the center. NEW KITCHEN COUNTERS IN 2018. NEW AC IN 2018. NEW WINDOWS INSTALLED IN 2023. NEW WOOD FLOORING INSTALLED IN 2023. NEW FURNACE & WATER HEATER INSTALLED IN 2024. ROOF, SIDING & GUTTERS INSTALLED IN 2024 & 2025. As you enter the foyer, the high vaulted ceiling in the living room with rock accented fireplace welcomes you. Kitchen is open to living room & opens left to a large family room. 3 large bedrooms upstairs. Master suite has spacious onyx walk in shower & soaking tub. Full walkout basement offers 1 bedroom & 1 non conforming bedroom with large closet & connecting full bath. Tiled basement family room opens to patio & pool. Cabinets, fridge & wet bar for summer entertaining or the perfect movie night. Approximately 1000 sq. ft. of storage in basement as well as 7 x 9 concrete storm room. This home is a MUST SEE! Call for a tour today.

10030 Airfield Lane, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$295,000
3 Beds ⋅ 2 Baths
Enjoy easy, comfortable living in this brand-new ranch home located on the northern edge of Richmond, offering the convenience of town with a little more breathing room. The all ranch layout features an open floor plan, LVP flooring throughout, a comfortable primary suite, and a two-car attached garage. Step outside and enjoy a backyard that backs to a peaceful tree line, providing a nice natural backdrop. Sidewalks throughout the area make morning walks easy, with a nearby park and walking trail just a short stroll away. Convenient Highway 13 access makes getting around town simple. With its new construction, practical layout, convenient location, and one-year builder warranty, this home offers an easy opportunity to make your move into a brand-new home. Estimated completion date November of 2026. Owner is a licensed real estate agent in the state of Missouri. Listing agent is a direct family member of seller.

1412 N Thornton Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$719,999
4 Beds ⋅ 3.5 Baths
BACK ON THE MARKET and truly one of Richmond’s most unique properties! If you’ve been dreaming of country living without giving up the conveniences of town, this is the one you don’t want to miss. Situated on nearly 10 secluded acres while STILL WITHIN CITY LIMITS, this property offers the privacy, space and outdoor lifestyle that are becoming harder and harder to find. But the showstopper is the incredible private pond—approximately 38 feet deep and stocked with OVER 1,000 FISH! Whether you love fishing, spending weekends outdoors, camping with family and friends, watching wildlife or simply enjoying the peace and quiet of your own land, this property gives you the opportunity to enjoy it all right outside your door. Imagine mornings overlooking the water, afternoons fishing with the kids, evenings around a campfire and plenty of room to explore—all while still being close to the everyday necessities and conveniences Richmond has to offer. This isn't just a home—it's your own private retreat. Nearly 10 acres, abundant wildlife, an incredible stocked pond and the best of both worlds: COUNTRY LIVING WITH CITY CONVENIENCE. Properties like this don't come along often. Come see what makes this Richmond property so special!

705 Broadway Avenue, Richmond

Listing courtesy of Rachael Cruz of Kansas City Regional Homes Inc.
$675,000
Welcome to this versatile country property in the rolling hills of Ray County, Missouri. A newly built 1½-story home offers 3 bedrooms and 2 bathrooms and sits high on a hill overlooking the surrounding countryside. A long private driveway provides separation from the blacktop road while maintaining convenient all-weather access. The main floor of the house features 1 bed, 1 bath while the upstairs has 2 bedrooms and 1 bath. The acreage is approximately half open pasture and half timber, offering an excellent combination of usable ground and recreational land. New fencing makes the pasture well suited for livestock, horses, or continued grazing. A pole barn provides valuable storage for tractors, ATVs, equipment, tools, and livestock supplies. The timber and adjoining larger blocks of wooded habitat provide opportunities for whitetail deer, turkey, hunting, wildlife management, food plots, trails, and other outdoor recreation. With a newer home, fenced pasture, timber, pole barn, blacktop frontage, and recreational opportunities, this property offers a practical setup for a full-time country residence, livestock operation, weekend getaway, or hunting retreat. Much of the infrastructure is already in place, allowing the next owner to begin enjoying the property right away. Contact the listing agent for additional information or to schedule a private showing. Additional acreage is available is buyer desires.

45526 Highway K Highway, Richmond

Listing courtesy of Travis Heman of Whitetail Properties Real Esta.
$675,000
3 Beds ⋅ 2 Baths
Welcome to this versatile country property in the rolling hills of Ray County, Missouri. A newly built 1½-story home offers 3 bedrooms and 2 bathrooms and sits high on a hill overlooking the surrounding countryside. A long private driveway provides separation from the blacktop road while maintaining convenient all-weather access. The acreage is approximately half open pasture and half timber, offering an excellent combination of usable ground and recreational land. New fencing makes the pasture well suited for livestock, horses, or continued grazing. A pole barn provides valuable storage for tractors, ATVs, equipment, tools, and livestock supplies. The timber and adjoining larger blocks of wooded habitat provide opportunities for whitetail deer, turkey, hunting, wildlife management, food plots, trails, and other outdoor recreation. With a newer home, fenced pasture, timber, pole barn, blacktop frontage, and recreational opportunities, this property offers a practical setup for a full-time country residence, livestock operation, weekend getaway, or hunting retreat. Much of the infrastructure is already in place, allowing the next owner to begin enjoying the property right away. Contact the listing agent for additional information or to schedule a private showing. Additional acreage is availble is buyer so desires.

45526 Highway K Highway, Richmond

Listing courtesy of Travis Heman of Whitetail Properties Real Esta.
$140,000
3 Beds ⋅ 1 Baths
Turnkey rental opportunity with an established long-term tenant already in place. The property currently produces $13,800 in gross annual rents, making it an attractive option for an investor looking for an occupied property with existing rental history. For buyers looking to expand their holdings in the area, this property is being sold with 300 W. Hortense St., Orrick, MO (MLS #2640588). Tenant occupied. Please do not disturb the tenant. A minimum of 24 hours' notice is required to obtain tenant approval for all showings. Lease and additional rental information are available upon request.

201 N Institute Street, Richmond

Listing courtesy of Mark Colombatto of Weichert Realtors - Generations.
$279,000
*RARE OPPORTUNITY* Beautifully remodeled duplex in the heart of Richmond! This move-in-ready multifamily property features two spacious units with modern updates throughout. The first-floor unit offers 2 bedrooms and 1.5 bathrooms, while the second-floor unit features 3 bedrooms and 1 full bathroom. Both units have been extensively updated with stainless steel appliances, new countertops, remodeled bathrooms, new flooring, new windows, and new HVAC systems. Fresh finishes and thoughtful improvements throughout provide comfortable, low-maintenance living for future occupants. Conveniently located near Richmond shopping, dining, schools, and local amenities. A great opportunity for an owner-occupant or investor looking for a turn-key updated duplex with two separate living spaces. *Owner/ Agent*

106 E Buchanan Street, Richmond

Listing courtesy of Kenrick Thompson of United Real Estate Kansas City.
$327,500
3 Beds ⋅ 2 Baths
Originally built in 1966, this home has been completely renovated by local contractors. Take a look: Exterior renovations include new decks in the front & back, brand new siding, roof, seamless gutters, sewer line, and a re-tucked chimney. Interior renovations include custom cabinets & granite countertops, stainless steel appliances, all new wiring, plumbing, flooring, shower units & tub, new HVAC system, and lighting. Basement renovations include straightened, tiled, & braced walls, sheetrock, paint, lvp flooring, & back-flow sump pump. Tucked back on a dead-end street in the heart of Richmond, Missouri, this home now features open concept living, dining, and kitchen area, all centered around a beautiful, wood-burning fireplace right as you step through the front door. All three bedrooms, two bathrooms, and the laundry room are also on the main level. Take a short walk downstairs and you will find a partially finished basement that is the perfect space for a playroom, home office, gym, or whatever you need! The unfinished section of the basement is ideal for all of your storage needs. This one will go fast! Come see it today!

501 Morningside Drive, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.
$399,000
Check out this exceptional commercial property in Richmond, MO, now priced below appraised value! This prime location features four distinct office spaces, ideal for anyone seeking lucrative rental opportunities. Currently, three out of four offices are leased, providing a steady monthly income of $2,825. The remaining office space, approximately 650 sq ft, is available for your business or investment needs. Each office boasts a storefront window and benefits from a convenient location, offering endless possibilities for your vision. Plus, the property includes an unfinished loft apartment, ready for your creative touch, along with a two-car garage that secures off-street parking—a rare find in Richmond! Whether you're looking to expand your investment portfolio or make your first foray into real estate, this opportunity is not to be missed!

118 E Main Street, Richmond

Listing courtesy of Mackason Lee of United Country Graham Agency.
$199,000
Own a piece of Richmond history with this exceptional commercial opportunity in the heart of downtown! Originally built in 1880 as the Exchange Bank, this historic building has been thoughtfully converted into three business spaces, with current rental income of $2,000 per month and the potential to reach approximately $2,600 with the existing vacancy filled. But the opportunity doesn’t stop there! There is significant additional space available to develop and create even more income-producing areas. The entire upstairs is currently a blank canvas and was once used as apartments, offering endless possibilities for additional business or rental space. The expansive backside of the building features a large open area with beautiful exposed brick walls, just waiting to be transformed and updated to match the existing spaces. With solid tenants who plan to be here for the long haul, existing income, historic character, and substantial untapped square footage, this property offers both immediate investment potential and room to grow. Located right in the heart of downtown Richmond, this is a rare opportunity to own a piece of local history while creating your own vision for the future. The possibilities are truly endless! Owner/Agent

102 S Thornton Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$194,900
Outstanding opportunity to acquire approximately 15 acres with excellent Highway 10 frontage, visibility and access. Located at 37682 Highway 10, this versatile tract offers acreage, highway exposure and lot of great potential. The property's size, location and configuration may lend itself to several possibilities including residential/single-family, other commercial uses, agricultural use, or rezoning/downzoning to another permitted use, all subject to Ray County Planning & Zoning and other applicable approvals. The former residence has been removed and substantial cleanup and site preparation completed. A large gravel parking area remains near the Highway 10 frontage. The former homesite was served by utilities, providing another advantage for future development, subject to verification of availability and connection requirements. The property has previously gone through the Ray County Planning & Zoning approval process for development as an RV park and cabin retreat, giving a buyer the opportunity to pursue the existing concept while saving substantial time in the planning process. Concept plans include RV sites, cabins, internal roadways, recreational areas and additional amenities. Existing plans and development information are available for review if the current zoning interests someone. Buyer to independently verify zoning, permitted uses, utilities and development requirements. The property is currently being used and leased to the public for storage for campers, trailers, trucks, equipment, etc. Whether you are an investor, developer, business owner or simply looking for acreage with excellent access and future potential, this property is worth exploring.

37682 10 Highway, Richmond

Listing courtesy of Chip Glennon of EXP Realty LLC.
$142,500
2 Beds ⋅ 1 Baths
Welcome to 106 Grandview Street—an inviting 2-bedroom, 1-bath bungalow offering comfortable one-level living, a spacious lot, and exceptional garage and outdoor utility in Richmond! Situated on approximately 0.30 acre, this home combines an efficient 912 sq. ft. floor plan with features that can be difficult to find at this price point. Step inside from the traditional covered front porch to a functional layout featuring two bedrooms, one full bath, central heating and air conditioning, and plenty of opportunity to personalize the home to your own style. Outside is where this property really expands its possibilities. The privacy-fenced backyard provides plenty of room for pets, recreation, gardening, entertaining, or simply enjoying your own outdoor space. A large concrete patio creates a natural setting for grilling and gatherings, while the detached 2-car garage—approximately 400 sq. ft.— provides valuable space for vehicles, tools, lawn equipment, hobbies, storage, or a workshop. Whether you're searching for an affordable primary residence, looking to downsize into manageable one-level living, or considering your next investment property, 106 Grandview offers a combination of lot size, garage space, outdoor utility, and potential worth seeing. Conveniently located in Richmond with access to local schools, shopping, dining, and community amenities. Bring your ideas and discover the possibilities at 106 Grandview Street!

106 Grandview Street, Richmond

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
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