St Joseph Homes with FHA Financing

Welcome to St. Joseph, Missouri—a charming city that perfectly blends rich history with modern living. Nestled along the banks of the Missouri River, St. Joseph is known for its vibrant community, friendly neighborhoods, and a plethora of recreational activities. With a population of around 76,000, this city offers the warmth of small-town living while providing all the amenities of a larger urban area.

St. Joseph boasts a rich history as the starting point of the Pony Express and the birthplace of famed outlaw Jesse James. Today, you can explore its historical landmarks, such as the Pony Express National Museum and the Jesse James Home Museum, which offer a glimpse into the city’s storied past. Nature enthusiasts will appreciate the city's parks and trails, including the scenic Krug Park, perfect for hiking, picnicking, and enjoying the great outdoors.

For homebuyers, St. Joseph presents an exciting opportunity—many homes here qualify for FHA financing. This means that first-time buyers or those looking to secure an affordable mortgage can find a variety of homes that cater to their needs. With a diverse selection of properties, from charming historic houses to contemporary family homes, St. Joseph is a perfect place to settle down.

Whether you're drawn to the city's rich history, its friendly community spirit, or the affordability of homes with FHA financing, St. Joseph, MO, is a delightful place to call home. Explore the possibilities and discover your dream home in this welcoming city!

Newest St Joseph Homes with FHA Financing

$224,900

3 Beds ⋅ 2 Baths

Immaculate Raised Ranch with great curb appeal! Owner occupied for several years! Great Screened in porch!! Artistic Kitchen with nice cabinets, counter tops, stainless-steel appliances and unique tile mural! Large Pantry! Private backyard completely fenced! Concrete layered block decorative walls and large patio in backyard! Lower-Level Rec room and workshop area in basement! Non-conforming additional room in lower level for office or extra bedroom space! Seeing is Selling this Raised Ranch! Bay window in Living Room!!

2910 N 32nd Street, St Joseph

Listing courtesy of JoAnn Cobb of JOANN COBB, REALTORS.

$849,300

5 Beds ⋅ 4.5 Baths

PREMIUM PROPERTY- A Rare Opportunity in Today's Market, Residing in Coveted River Ridge Estates. Experience elevated living in this stunning contemporary estate designed for comfort, sophistication, and entertaining. Situated on a private, landscaped lot, this spacious five bedroom residence offers expansive indoor and outdoor spaces with over 4,600 square foot premium finishes throughout. -Grand two-story entry foyer with designer chandelier -Open concept living and dining areas with floor-to-ceiling windows -Gourmet Chef’s Kitchen featuring custom cabinetry, oversized Island, and premium appliances -Luxurious primary suite with spa-in-spired bathroom, and custom walk-in closet -5 Bathrooms -Hand crafted recreational area -Sam Church wood flooring featuring walnut inlays -Home office and fitness room. -Low maintenance exterior -Private Acreage with Beautiful Sunsets. This Scenic location features Beautifully maintained Homes, Mature Landscaping, and a True Sense of Community. Whether you're looking to grow your family or find a tranquil escape from the city, this home offers the ideal setting. Neighborhood atmosphere is warm, welcoming, and full of pride. Conveniently located near schools, shopping, and major transit routes, a perfect balance of serenity and accessibility.

2350 River Ridge Road, St Joseph

Listing courtesy of Jim McMillian of Coldwell Banker General Property.

$250,000

3 Beds ⋅ 1 Baths

Looking for a ranch home just south of St. Joseph with an impressive 30x60 outbuilding with 14' (wide) door? This one is worth a look! Situated on just under an acre, the property is partially surrounded by mature trees, offering a peaceful setting. The home features 3 bedrooms, or use the small third bedroom as a home office or hobby room, plus a spacious attached garage with additional parking alongside. A cherry tree welcomes you in the front yard, adding to the home's charm. There is an unfinished walkout basement to use any way you need it. The standout feature is the large outbuilding, conveniently accessible from the road behind the property. It includes a sliding door on the west end, and a second sliding door on the south side that is currently closed off. The building is larger than it appears in photos, and some tools and contents—including an air compressor—may be negotiable.

9807 SW State Route Jj Highway, St Joseph

Listing courtesy of Tracy TIETJENS of REECENICHOLS-IDE CAPITAL.

$205,000

3 Beds ⋅ 2 Baths

Welcome home to this charming 3-bedroom, 2-bathroom home in one of St. Joseph’s desirable neighborhoods! From the moment you arrive, you’ll fall in love with the welcoming front porch, complete with a porch swing—the perfect spot to enjoy your morning coffee or relax after a long day. Inside, you’ll find a comfortable layout designed for everyday living, while outside you’ll appreciate the spacious deck, ideal for entertaining family and friends. The attached two-car garage offers plenty of room for vehicles, storage, or hobbies. Conveniently located within walking distance to schools, parks, and everyday amenities, this home combines comfort, convenience, and neighborhood charm. Whether you’re a first-time homebuyer, looking for more space, or searching for your next place to call home, this property checks all the boxes. Don’t miss your opportunity to own this beautiful home in a fantastic St. Joseph location—schedule your private showing today!

2823 Charles Street, St Joseph

Listing courtesy of RJC Team of Keller Williams KC North.

$342,500

5 Beds ⋅ 2 Baths

Beautiful 5-bedroom ranch with room to grow—perfect blend of single-level convenience and spacious living. This light-filled home features a floor plan that flows from a welcoming entry into two generous living areas ideal for everyday life and entertaining. The well-appointed kitchen offers ample counter and cabinet space and easily accommodates casual dining. Five comfortable bedrooms provide flexible options for family, guests, or a home office. The primary suite is a private retreat. Hardwood runs through the main living areas, adding warmth and character. Step outside to a lovely screened-in back deck—an ideal spot for morning coffee, summer meals, or bug-free evenings with guests. The large yard gives plenty of room for play, gardening, or future expansion.

2820 Scott Street, St Joseph

Listing courtesy of Tyson Huff-Garza of The St.Joe Real Estate Group,.

$275,000

3 Beds ⋅ 3 Baths

Welcome home to this beautiful property in the highly desirable Stonecrest neighborhood! This spacious 3-bedroom, 3-full-bath home offers a warm and inviting layout with exceptional living space inside and out. The welcoming living room features a cozy fireplace and beautiful hardwood flooring, creating the perfect space to relax or entertain. The large eat-in kitchen offers abundant cabinet space, extra pantry storage, and a convenient built-in desk, making it as functional as it is inviting. The main-floor primary suite provides a private retreat with an attached full bathroom and a generous closet. Downstairs, you'll find a finished recreation room, an additional bonus room with endless possibilities for a home office, gym, hobby room, or guest space, plus a third full bathroom. Step outside to enjoy the fenced backyard, ideal for pets, play, or outdoor gatherings. An attached two-car garage and attractive curb appeal complete this home. Don't miss your opportunity to own this wonderful home in the sought-after Stonecrest neighborhood!

5001 Stonecrest Terrace, St Joseph

Listing courtesy of AgentRoc Group of Keller Williams KC North.

$299,900

3 Beds ⋅ 2.5 Baths

Welcome to 3909 W. Haverill Drive, a family-friendly home in an established neighborhood. This inviting residence is just minutes from the North Shoppes and offers easy highway access, all while being nestled in the heart of the neighborhood. Friendly neighbors create a warm atmosphere, perfect for children and pets alike. This split-level home features a remodeled open kitchen with a large island, new flooring, and an open living area your family will love. Cozy up by the gas fireplace and enjoy the abundant natural light streaming through the large windows, which add warmth and joy to the home. Step out onto the spacious walkout deck overlooking the backyard—ideal for family gatherings and outdoor fun. The home has three bedrooms, including a large master suite with a full bathroom. There are also two additional spacious bedrooms. A fully remodeled bathroom is conveniently located in the hallway for family and guest use. The finished lower level provides extra living space, including a half bath for added convenience. Additionally, a large two-car garage provides parking and extra storage. Schedule your showing today; you don’t want to miss this opportunity!

3909 W Haverill Drive, St Joseph

Listing courtesy of Melissa Winn of Top Property Realty, LLC.

$229,900

3 Beds ⋅ 1 Baths

This great family home has 3 bedrooms and a bonus 4th room downstairs that could be an office or non-conforming bedroom. The finished basement has a storage room, large laundry room, and a finished family room. Upgrades include a two year-old roof, a one year-old Central Air and new luxury vinyl plank flooring on the main. It features a patio for entertaining with a Pergola and swing to enjoy the large privacy fenced backyard.

3101 S 33rd Terrace, St Joseph

Listing courtesy of Lisa WISDOM-STRAYER of RE/MAX PROFESSIONALS.

$199,500

3 Beds ⋅ 1 Baths

This well-maintained 3-bedroom, 1-bathroom home combines classic charm with significant updates. Beautiful original hardwood and LVP floors add warmth and character throughout, while freshly painted rooms create a bright, inviting atmosphere. The updated bathroom offers modern convenience, and a brand-new roof provides added peace of mind for years to come. Enjoy the convenience of a one-car garage and a fully fenced backyard—perfect for pets, play, or weekend barbecues. Located in a quiet neighborhood just minutes from walking trails, grocery stores, dining, and everyday essentials, this home offers both comfort and convenience. Whether you're a first-time buyer or looking to downsize, this move-in ready home is one you won't want to miss!

507 E Meadow Lane, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.

$215,000

3 Beds ⋅ 2 Baths

Great ranch home offering easy one-level living! This well-maintained home features three bedrooms and two bathrooms, including a primary suite with its own private bath. Enjoy the convenience of main-floor laundry with a newer stackable washer and dryer. The spacious layout includes both a living room and a family room, along with a large kitchen offering abundant cabinet space for storage and meal preparation. The family room features vaulted ceilings and large windows that fill the space with natural light. Over the past few years, the home has seen several updates, including fresh interior paint, new light fixtures, and updated appliances. Outside, you'll find a one-car attached garage plus an oversized detached two-car garage, providing plenty of space for additional vehicles, a workshop, or extra storage. The fenced backyard offers a great space for pets, play, or entertaining. This move-in-ready home combines comfort, functionality, and plenty of storage, making it a wonderful place to call home.

2214 S 28th Street, St Joseph

Listing courtesy of Teresa Hayes of Twaddle Realty, Inc..

$575,000

3 Beds ⋅ 2 Baths

Built in the early 1930s, this charming Cape Cod-style home is full of timeless character & nestled on a picturesque 2.25± acre wooded lot, offering serene views, an expansive front yard and a peaceful setting that's increasingly hard to find, perfectly situated on the Historic Lover's Lane of St. Joe. Whether you're enjoying your morning coffee or entertaining guests, the spacious covered patio provides the perfect outdoor retreat surrounded by nature. Inside, the inviting living room features an operational wood-burning fireplace & serves as the heart of the home, connecting seamlessly to multiple living spaces on the main level. The updated kitchen boasts newer white cabinetry, abundant storage, and plenty of workspace for everyday living. The formal dining room is ideal for both intimate family dinners & larger gatherings. A cozy library offers built-in shelving for books, décor, or office essentials, making it an ideal reading room or home office. Just beyond, the expansive sunroom provides additional year-round living space perfect for relaxing, entertaining, or pursuing your favorite hobbies. The main level also includes a flex space with built-in storage closets & a full bathroom, offering excellent space for a guest bedroom, a home office, or multigenerational living. Upstairs, the generous 14' x 15' primary bedroom is joined by two spacious secondary bedrooms & a large full bathroom featuring built-in cabinet storage. Continue to the third floor to discover a convenient bonus storage area. The finished lower level expands your living space with a recreation room complete with a second wood-burning fireplace and built-in shelving, while the unfinished utility area provides ample storage and workspace. Combining classic 1930s charm, spacious living areas, & a truly exceptional wooded setting, this one-of-a-kind property offers the perfect blend of character, comfort, & privacy. Don't miss your opportunity to make this beautiful home your own!

2705 Lovers Lane, St Joseph

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$415,000

4 Beds ⋅ 3 Baths

Completely redesigned in 2021, this stunning raised ranch blends modern style, thoughtful updates, and the peaceful setting of 3 beautiful acres. Every detail of the renovation was carefully considered to create a home that is both functional and inviting. The garage is spacious enough for up to four vehicles! The spacious open-concept layout offers comfortable living with contemporary finishes, while the oversized 2-car garage provides plenty of room for larger vehicles, trucks, or SUVs, plus additional storage and workspace. A tankless water heater ensures you'll enjoy an endless supply of hot water, adding both convenience and energy efficiency to your daily routine. Step outside and enjoy the privacy and possibilities that come with 3 scenic acres—ideal for outdoor entertaining, gardening, recreation, or simply taking in the country views. Whether you're looking for extra space to spread out or a beautifully updated home that's move-in ready, this property offers the perfect combination of modern comfort and rural charm.

315 Harrington Avenue, St Joseph

Listing courtesy of Ryan KING of REECENICHOLS-IDE CAPITAL.

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