Richmond Homes with USDA Loan Financing

Welcome to Richmond, Missouri – a charming city nestled in the heart of Ray County, where small-town charm meets modern convenience. Richmond is a vibrant community that boasts a rich history, friendly neighbors, and a welcoming atmosphere that makes it a delightful place to call home. With its picturesque streets lined with beautiful trees and well-maintained homes, Richmond offers a serene environment perfect for families, retirees, and everyone in between.

One of the best-kept secrets about Richmond is its eligibility for USDA loan financing, making it an ideal choice for first-time homebuyers and those looking to settle in a community that values growth and development. USDA loans provide an excellent opportunity to purchase a home with little to no down payment, opening the door for many to achieve their dream of homeownership. The homes in Richmond are not only affordable but also come with the charm and character that make them truly special.

Richmond is conveniently located near major highways, providing easy access to larger cities while maintaining its peaceful, rural atmosphere. The community is rich in amenities, including parks, schools, and local businesses that cater to residents' needs. Whether you're exploring the historic downtown area, enjoying outdoor activities at one of the many parks, or participating in local events, Richmond offers a fulfilling lifestyle for everyone.

If you're considering a move to Richmond, Missouri, you’ll find a warm community ready to welcome you home. With the added benefit of USDA loan financing, your dream home in this lovely city is more attainable than ever!

Newest Richmond Homes with USDA Loan Financing

$110,000

3 Beds ⋅ 1 Baths

Small-town living with room to breathe! This 3-bedroom home sits on more than half an acre in quiet Richmond, offering the space and simplicity that are getting harder to find at this price. Enjoy a large yard with plenty of room for a garden, pets, outdoor entertaining or simply some elbow room, plus great storage and a large carport. The home features low-maintenance vinyl siding, a BRAND NEW ROOF, good mechanicals and the convenience of city utilities, including city sewer. A covered front porch adds to the small-town charm, while the generous lot gives you plenty of possibilities for the future. Richmond offers a relaxed small-town setting without giving up everyday convenience. Ottawa, with shopping, dining and services, is an easy drive to the north, with Garnett conveniently located to the south. Three bedrooms, over half an acre, city utilities, great storage and a brand-new roof — all at an affordable price. If you've been looking for a comfortable home with some space around you and a slower pace of life, this one deserves a look!

536 E Central Street, Richmond

Listing courtesy of Bob Winney of Keller Williams Realty Partners Inc..

$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 32 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.

$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.

$320,000

3 Beds ⋅ 3 Baths

Lots of living space in this brick front ranch that sits right at the Northern edge of Richmond on a 1+ acre lot. There's 3 bedrooms (including very spacious master suite), 3 full baths, big Great/Family room with fireplace and insert, formal dining room, main level laundry, partially finished basement, and approx. (26'x18' ) covered patio that provides privacy and shade for any outdoor gatherings. 1+ acre lot has several mature trees and an approx. 25'x40' rustic outbuilding and small storage shed. Conveniently located on a street that services this subdivision only and has quick and easy access to 13 Hwy.

203 Ridgeway Drive, Richmond

Listing courtesy of Eric Pierson of Pierson Realty.

$655,000

2 Beds ⋅ 2.5 Baths

This picturesque 20 acres with a well-maintained brick home is already set up for cattle and horses! The stocked pond is ready for fishing with a couple of shade trees for comfort. With 5 outbuildings and a silo, you'll be set up in advance to have your farm running at max efficiency. The home has 2 bedrooms upstairs with the basement set up as a separate apartment, including kitchen. It's a perfect set-up for a farm hand or extended stay relatives. The 40x60 shop offers a concrete floor and electricity for accommodations.

10625 Franklin Road, Richmond

Listing courtesy of Theresa Trego of EXP Realty LLC.

$165,000

3 Beds ⋅ 1 Baths

Welcome home to this charming 3-bedroom, 1-bath ranch in the heart of Richmond! Offering 944 sq. ft. of comfortable living space, this home features an eat-in kitchen, low-maintenance vinyl siding, and large driveway for plenty of parking. Situated on a spacious .53-acre lot, there's plenty of room to enjoy the outdoors, garden, entertain, or expand. The functional single-level floor plan is perfect for almost any buyer whether you are looking to downsize, just start out, have main level living, or as an investment property! Conveniently located near schools, parks, shopping, and local amenities, this property combines small-town charm with everyday convenience. Don't miss your chance to make this affordable home your own!

701 Hickory Street, Richmond

Listing courtesy of Lauren Miller of Real Broker, LLC-MO.

$182,500

3 Beds ⋅ 2 Baths

Take a look at your next home with instant equity. Lots of great potential and in a semi private location close to town, commuter routes, schools and shopping areas. newer HVAC. Fenced yard with shed and large deck. Partially finished basement with bathroom right off the family room.

1403 Ridgeway Drive, Richmond

Listing courtesy of Bob Halberstadt of ReeceNichols North Star.

$230,000

3 Beds ⋅ 2 Baths

Well-maintained home tucked away at the end of a quiet cul-de-sac! Recent updates include beautifully refinished hardwood floors throughout the home, a new water heater installed within the past year, and fresh paint that gives the interior a bright, refreshed feel. The finished basement features a spacious bonus room that could easily serve as a primary bedroom, along with a completely renovated full bathroom. With generous living space on both the main level and downstairs, this home offers comfort, flexibility, and plenty of room to grow. Schedule your showing today!

1410 Ridgeway Drive, Richmond

Listing courtesy of Rylee Todd of Community Realty.

$320,000

5 Beds ⋅ 2.5 Baths

**MOTIVATED SELLER**UPDATED PRICE REDUCTION** ANY AND ALL CONVERSATIONS WILL BE CONSIDERED! SPACIOUS RAISED RANCH WITH POND VIEWS, FRUIT TREES, & MANY UPGRADES! WELCOME HOME TO THIS SPACIOUS UPDATED RAISED RANCH, FEATURING A CLASSIC BRICK FASCIA AND A NEWER, DURABLE METAL ROOF THAT OFFERS YEARS OF PEACE OF MIND. UNCOMMONLY FEATURING 5 BEDROOMS, WITH 2.5 BATHROOMS, THIS EXPANSIVE LAYOUT OFFERS INCREDIBLE FLEXIBILITY WITH THREE SEPARATE LIVING ROOMS—PERFECT FOR A HOME OFFICE, GAME ROOM, OR LARGE-FAMILY LIVING. THE EXPERTLY FINISHED BASEMENT PROVIDES TONS OF EXTRA LIVING SPACE. AS WELL, THE HOME'S STUNNING, ORIGINAL HANDMADE CABINETS THAT ADD A TOUCH OF TIMELESS CRAFTSMANSHIP. THE HEAVY LIFTING HAS ALREADY BEEN DONE FOR YOU WITH MAJOR MECHANICAL UPGRADES COMPLETED IN 2026. ENJOY ENDLESS SHOWERS WITH A BRAND-NEW TANKLESS HOT WATER HEATER ('26), AN UPDATED ELECTRICAL SYSTEM, AND A NEW SUMP PUMP ('26). THE HVAC SYSTEM IS IN PRISTINE CONDITION, FRESHLY SERVICED IN 2026 WITH A BRAND-NEW BLOWER MOTOR, SOLENOID, AND ACTUATOR TO ENSURE YEAR-ROUND EFFICIENCY. NEWER WINDOWS THROUGHOUT KEEP THE ENTIRE HOME BRIGHT AND ENERGY-EFFICIENT. STEP OUTSIDE TO YOUR OWN PRIVATE RETREAT. THE EXTERIOR FEATURES EXTENSIVE OUTDOOR LIGHTING THAT SHOWCASES A GORGEOUS STONE PATIO—THE ULTIMATE SPOT TO UNWIND AND TAKE IN VIEWS OF THE LOCAL NEIGHBORING POND. THE YARD IS PARTIALLY FENCED, MAKING IT READY FOR YOUR PUPS, AND COMES ALIVE WITH A FRESHLY PLANTED APPLE TREE ALONGSIDE PLUM, PEAR, OAK, AND PINE TREES. COMPLETE WITH A TWO-CAR GARAGE AND TONS OF EXTRA PARKING FOR GUESTS, A CAMPER, OR A BOAT, THIS MOVE-IN-READY HOME TRULY HAS IT ALL. THANKS FOR LOOKING!

205 E Dauxville Drive, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.

$224,900

3 Beds ⋅ 1 Baths

Nice ranch with many updates including brand new roof & flooring throughout & NEW HVAC. 3 bdrm with full DRY unfinished walkout basement. SO MUCH SPACE TO ADD BEDROOM OR LARGE FAMILY ROOM AND 2nd bath. Large living room with electric fireplace. Family/craft/exercise/office room just off kitchen. Such a great neighborhood and location in the center of town close to school, pool, grocery store, Walmart, gas station & HWY access.

503 Hickory Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.

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