Smithville Homes with FHA Financing

Welcome to Smithville, Missouri—a hidden gem nestled in the heart of Clay County. This charming city is renowned for its picturesque landscapes, friendly community, and vibrant local culture. With a rich history dating back to the mid-1800s, Smithville offers a unique blend of small-town charm and modern conveniences. Residents enjoy a variety of outdoor activities, thanks to the stunning Smithville Lake, which provides opportunities for fishing, boating, and hiking. The city's parks and recreational facilities ensure that families can enjoy quality time together in a serene environment.

Smithville's real estate market is thriving, with a diverse range of homes available to suit every lifestyle. One of the most attractive financing options for homebuyers in this area is FHA financing. This program is designed to make homeownership accessible, especially for first-time buyers or those with limited funds for a down payment. With FHA financing, you can secure a mortgage with a lower down payment, often as low as 3.5%, making it easier to step into your dream home in Smithville.

The community is known for its excellent schools, making it an ideal place for families. Plus, with a strong sense of community spirit, residents often come together for local events, farmers' markets, and seasonal festivities. Whether you're seeking a cozy cottage, a spacious family home, or a modern townhouse, Smithville offers a variety of options to meet your needs. Discover the charm and warmth of Smithville, where your dream home awaits!

Newest Smithville Homes with FHA Financing

$420,000

4 Beds ⋅ 3 Baths

Welcome to small-town living at its finest! This beautifully situated 4-bedroom, 3-bath home offers an exceptional combination of comfort, privacy, and location in a highly desirable cul-de-sac neighborhood. The property backs directly to the golf course, Smithville lake, and nearby parks, creating a peaceful backdrop and easy access to outdoor recreation. Inside, you'll find spacious living areas and new quartz countertops in the open kitchen. Home even has an additional 5th non-conforming bedroom in the basement—perfect for a home office, guest room, hobby space, or flex room. The finished basement provides even more room to spread out and customize to your needs. Step outside to enjoy the private, wooded backyard from the deck while relaxing with your morning coffee, entertaining friends, or enjoying the peaceful surroundings. Come see all this property has to offer!

18207 Rollins Drive, Smithville

Listing courtesy of Brigette King of Show-Me Real Estate.

$295,000

5 Beds ⋅ 3.5 Baths

Welcome to this inviting attached 1.5 story home featuring classic brick accents, vinyl siding, an attached garage, and a spacious driveway. Inside, the open floor plan seamlessly connects the living room, dining area, and kitchen, creating a warm and welcoming space for everyday living and entertaining. The living room features a cozy fireplace with a wood mantel, while the kitchen offers rich wood cabinetry, tile flooring, and included appliances. Just off the dining area, a sliding glass door leads to the back deck, making it easy to enjoy indoor-outdoor living. With 5 bedrooms, 3.5 bathrooms, and multiple living spaces, this multi-level home offers plenty of room to spread out and make yourself at home. The finished basement provides additional space for relaxing, entertaining, or creating a flexible living area, while the unfinished basement offers ample storage or potential for future use. Step outside to enjoy the elevated deck overlooking a grassy backyard enclosed by a wood privacy fence. Complete with an attached garage, functional layout, and plenty of room to grow, this home offers comfort and versatility in a welcoming setting.

513 Cape Cod Court, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$380,000

4 Beds ⋅ 3 Baths

Welcome to 19205 Switchgrass Drive! Built in 2019, this 4-bedroom, 3-bathroom home offers a spacious layout in the Smithville School District near Smithville Lake. The inviting living area flows into a kitchen featuring granite countertops, a generous island, ample cabinetry, and a pantry, with an adjoining dining area perfect for everyday meals or entertaining. A two-car garage and extended driveway provide additional parking space. Outside, enjoy a deck overlooking the fenced backyard, expanded patio, and storage shed, with mature trees creating a peaceful backdrop. Convenient access to downtown Smithville’s shops and restaurants completes the appeal!

19205 Switchgrass Drive, Smithville

Listing courtesy of Brittany Majed of Keller Williams Realty Partners Inc..

$393,000

3 Beds ⋅ 2.5 Baths

Welcome home to this lovely 3-bedroom, 2.5-bath home in Smithville! Built in 2016, this inviting split-entry offers a bright, comfortable layout with hardwood floors, vaulted ceilings, and a cozy fireplace anchoring the great room. The kitchen features granite countertops, stainless steel appliances, painted cabinetry, a pantry, and plenty of space to gather. Downstairs, the finished lower level provides valuable additional living space with a half bath—perfect for a home office, second living area, workout space, or game room. Step outside to enjoy the covered deck overlooking a fenced backyard with mature trees, creating a great spot for morning coffee, grilling, or relaxing at the end of the day. An attached 2-car garage adds everyday convenience, while neighborhood amenities including a community pool, pond and walking trails make it easy to enjoy time close to home. Conveniently located near Smithville Lake, schools, and everything Smithville has to offer, this home combines comfortable living, flexible space, and a location you'll love.

1501 NE 196th Street, Smithville

Listing courtesy of Jessica Magaha of Platinum Realty LLC.

$489,000

5 Beds ⋅ 4.5 Baths

Welcome Home! Classic 1 1/2 Story located on a quiet cul-de-sac, offering plenty of space for your family. Featuring an open floor plan on the main floor with an inviting front entryway, formal dining room, a large living room space with vaulted ceilings, an eat-in kitchen with plenty of natural light and storage space, a half bath, dedicated laundry space, and a primary suite with a walk-in closet and jetted tub. Upstairs, you have additional bedrooms and two full-sized bathrooms. Finished basement perfect for entertaining friends and family with a wet bar, full-sized bathroom, and additional bedroom. An elevated deck with Trex material and a patio overlook the fenced-in backyard. The outdoor area is complete with a custom stone-bordered fire pit, offering a tranquil space to spend peaceful evenings.

201 Surrey Court, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$239,900

2 Beds ⋅ 1.5 Baths

This charming 2-bedroom, 1.5-bath home offers a cozy rustic feel with plenty of functional space. The property features a spacious 2-car garage plus a covered 25x25 carport, perfect for multiple vehicles, recreational toys, or hobbies. Inside, the bright living room features beautiful wood ceilings and custom wood accents that continue into the kitchen. The kitchen offers stained wood cabinetry, stainless steel appliances, and a unique peninsula with barn door-style cabinets overlooking the living room. Step outside to the back deck and enjoy the large fenced backyard with a 12x18 storage shed. Both bedrooms are comfortable and inviting. The first bedroom features great natural light and a sliding-door walk-in closet, while the primary bedroom includes a convenient ensuite half bath. The main bathroom offers a custom walk-in shower. There is additional garage/basement space with plenty of room for storage, a workshop, hobbies, or recreational use. Recent updates include sewer line replacement from the house to the main, HVAC (2023), metal roof (2017), sump pump (2024), windows (2016), and siding (2017), plus an additional outbuilding for storage. This home offers rustic charm, functional spaces, ample storage, and important updates—all ready for its next owner!

502 Dundee Road, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$330,000

4 Beds ⋅ 3 Baths

Welcome to this inviting split level home offering 3 bedrooms, 3 full baths, and comfortable living spaces designed for everyday living and entertaining. Inside, the kitchen combines functionality and style with painted cabinetry, granite countertops, and a full complement of appliances. The kitchen flows seamlessly into the dining area, where the sliding glass doors provide easy access to the backyard. The living room offers a vaulted ceiling, ceiling fan, and comfortable carpeted flooring, creating a bright and inviting gathering space. All three bedrooms feature carpeting and ceiling fans, while three full bathrooms provide plenty of convenience. The finished walkout basement adds valuable additional living space and includes a bedroom, the laundry area, storage shelving, and utility space. Step outside to enjoy the elevated wood deck and concrete patio overlooking the fenced backyard. Mature trees, and a wood privacy fence create a great outdoor setting for relaxing, entertaining, or enjoying your morning coffee. Situated on a 0.19-acre lot with sidewalks and a convenient Smithville location, this home offers a great combination of comfort, functionality, and outdoor living. Don't miss your opportunity to make this one your own!

1001 NE 194th Terrace, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$319,950

4 Beds ⋅ 2 Baths

Move in ready in sought after Smithville! This 4 bedroom home has a traditional open floorplan with vaulted ceilings and good sized rooms, fresh paint throughout, new carpet, large eat in kitchen with stainless steel appliances and quartz countertops, large deck overlooking big backyard backing up to open greenspace, great highway access, close to restaurants and shops, won’t last long!

14105 LORA Street, Smithville

Listing courtesy of Micheala Miller of Compass Realty Group.

$429,500

3 Beds ⋅ 3 Baths

You will love this sprawling ranch home because it has been completely updated....gorgeous quality wood floors, updated master and hall baths, new kitchen cabinets and quartz countertops. The seller opened up the floor plan and created a new inside entrance to the unfinished lower level which has a gorgeous fireplace...a perfect space to finish for a great rec room, 4th bedroom, crafts room and workshop. There's room for all of that. This home sits on a large corner lot of a quiet cul de sac and is walking distance to a 10/10 rated elementary school. Work from home in the private office with french doors. From the garage, you enter a gorgeous mudroom, perfect for dropping your keys, bags and books. To the right of that is a very large laundry room with a sink and quartz countertop. The seller originally intended to live in this home and he went above and beyond on light fixtures and finishings. Come take a tour today!

2 Maple Circle, Smithville

Listing courtesy of Tanna Guthrie of Platinum Realty LLC.

$349,900

4 Beds ⋅ 3 Baths

This home could be yours for ZERO down and NO payment until next year! Welcome to 306 Lakeland, just moments from the lake! This 1.5-story home sits at the end of a cul-de-sac on a large lot with mature trees. When you step inside, you are greeted by the living room with two-story vaulted ceilings and a gas fireplace. The kitchen features newer appliances and a deck off of the eat-in kitchen. The main floor features the primary bedroom with a private deck and laundry. Upstairs, there are two bedrooms with large closets and a full bath. The finished walkout basement has the 4th bedroom, full bathroom, and large living space. This home has the big-ticket items DONE: NEW water heater, Newer HVAC, Newer siding, Newer gutters, Newer garage floor, Newer paint. Schedule your private showing for your new home today!

306 Lakeland Drive, Smithville

Listing courtesy of Alex Vander Veen of RE/MAX Revolution.

$550,000

3 Beds ⋅ 2.5 Baths

Looking for your own slice of paradise? Look no further! This one level home has upgrades Galore in 2022, and Efficiency at the top of its GAME! 3 TON Geothermal system, Anderson 200 series windows, custom shades, flooring, chimney flu system, overhead door, openers, leaf filters, Powder coated aluminum fence installed by Guier Fence. Over $150,000 in upgrades in the last few years. Home also has storage sheds for all the extras you may need to bring with you!

13619 Clementine Road, Smithville

Listing courtesy of Jen Langston Justus of Dream Properties Real Estate.

$349,000

4 Beds ⋅ 3 Baths

Ignore List Price. Sells in Online Estate Auction. Opening Bid $100,000. Conv., FHA and VA Financing Accepted! Stunning Reverse 1.5 Story in Highly Sought-After Harbor Lake! Beautiful .22 Acre Setting backs to Community Trails and Greenspace. Lots of Newer Improvements Completed 4 Years Ago - New roof, New Pergo Waterproof Flooring, Fresh Main-Level Paint, New Stair Carpet, New Tile Fireplace Front, Remodeled Main-Level Bathrooms and a New Deck. Amazing Open Main Level Floorplan. Great Room offers Fireplace with New Tile Front, Soaring 11' Ceilings, and Beautiful Views of the Backyard and Trees. Spacious Kitchen with New Bosch Dishwasher - 4 years, Frigidaire Gallery Microwave and Stove/Range with Air Fryer Feature! Walk-In Pantry and Custom Cabinets Offers Great Kitchen Storage. Dining Area with Vaulted Ceiling Walks Out to Deck with Stairs to Patio Area. Main Level Primary Bedroom Suite with Pergo Floors, Vaulted Ceilings, and Fully Remodeled Master Bathroom, Shower with Tile Walls, Glass Door, and Built-In Shelves. Double Vanity with Raised Sinks, Shiplap Accent Wall, Walk-In Closet with Lots of Hanging Space and Built-In Shelves. Second Bedroom on Main Level with Vaulted Ceilings and Double Door Closet. Second Remodeled Full Bathroom features Shiplap Accent Wall with Mirror, New Light Fixtures, and Tub/Shower. Laundry made Easy on Main Level! Finished Lower Level offers Open Living Space with Bonus Space Great for Working from Home! Two Additional Bedrooms in Lower Level with Spacious Walk-In Closets. 3rd Full Bathroom with Tub/Shower and Large Vanity. Spacious Storage Room with Built-In Shelves. This Community Offers a Swimming Pool, Walking Tails, and is Minutes to Smithville Lake! You’ll Love this Home and Our Open, Transparent Offer/Bid Process. Bidding is Now Open and Ends October 7 at 1:00 pm. Don’t Miss this Opportunity to Bid Your Price. Can't wait for the Auction? Ask us about making a pre-auction offer!

2000 NE 197th Court, Smithville

Listing courtesy of Jeff Cates of Cates Auction & Realty Co Inc.

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