Caldwell Homes with FHA Financing

Welcome to Caldwell County, Missouri, a hidden gem that beautifully blends small-town charm with modern conveniences. Nestled in the heart of the Midwest, Caldwell County is known for its picturesque landscapes, friendly communities, and a rich history that dates back to the early 19th century. With its rolling hills and lush greenery, this county offers a serene backdrop for those looking to settle down in a peaceful environment.

Caldwell County boasts a variety of recreational opportunities, from hiking and fishing in its scenic parks to enjoying local festivals that celebrate the area’s vibrant culture. Residents take pride in their close-knit communities, where neighbors become friends and local businesses thrive. The county is also conveniently located near larger urban centers, providing easy access to shopping, dining, and entertainment options without sacrificing the tranquility of rural living.

For homebuyers, Caldwell County presents an excellent opportunity to invest in real estate, especially for those seeking properties eligible for FHA financing. FHA loans are designed to make homeownership more accessible, offering lower down payment options and flexible credit requirements. This means that whether you're a first-time buyer or looking to upgrade, Caldwell County's housing market has something to offer everyone.

Explore charming homes that reflect the county's character, from cozy single-family residences to spacious properties perfect for families. With FHA financing available, your dream of owning a home in Caldwell County is not just a possibility; it’s within reach. Discover the perfect blend of comfort, community, and affordability in Caldwell County, Missouri!

Newest Caldwell Homes with FHA Financing

$399,900

2 Beds ⋅ 2 Baths

Discover the beauty and versatility of country living on this impressive 16-acre property in Kidder. Featuring gently rolling hills, a beautiful stocked pond, and breathtaking views, this property offers the perfect combination of peaceful rural living and a fully functional farm setup. The property includes a 2-bedroom, 2-bath home with a welcoming covered front porch where you can relax and take in gorgeous sunset views. The home provides a comfortable base while the surrounding acreage offers plenty of room to enjoy the outdoors, livestock, recreation, or simply the tranquility of the countryside. Upstairs, there is additional unfinished space that offers the opportunity to add a third bedroom, providing flexibility to expand the living space to suit your needs. For those looking for a working farm or livestock operation, this property is already equipped for cattle. The acreage features fencing, cattle chutes, and an established layout designed for livestock management. A large barn provides abundant workspace, storage, and utility, complete with a workshop and hay loft. Additional improvements include a detached two-car garage with extra storage and a dedicated chicken barn, adding even more functionality to this versatile property. Whether you're looking for a small cattle operation, hobby farm, country retreat, or simply a place with room to spread out, this property offers an exceptional opportunity. Rolling hills, a stocked pond, multiple outbuildings, livestock infrastructure, and beautiful sunset views make this a property you'll want to see in person. Come experience the peaceful country setting and endless possibilities this 16-acre property has to offer!

7750 St Rt J N/A, Kidder

Listing courtesy of Bobbi Meneely of RE/MAX Town and Country.

$250,000

4 Beds ⋅ 2.5 Baths

This spacious 2,300 sq. ft. home offers 4 bedrooms and 2.5 bathrooms with plenty of room to spread out! Inside, you’ll find a large living area with vaulted ceilings, an eat-in kitchen, and additional finished space in the basement that’s perfect for a family room, game room, or entertaining. Outside, enjoy the large back deck, attached garage, and freshly painted siding that gives the home a refreshed exterior. Seller offering 5,000 in closing costs! Perfect for all 0 down programs!

305 E Elm Street, Polo

Listing courtesy of Dylan Fry of RE/MAX Advantage.

$634,000

5 Beds ⋅ 3.5 Baths

COUNTRY LIVING AT ITS FINEST Welcome to your own private slice of country paradise! Situated on 8.78 acres m/l in the highly sought-after Cameron School District, this exceptional property offers the perfect blend of peaceful rural living and convenient access to the amenities of Cameron. Boasting 3,822 square feet, this spacious home features 5 bedrooms and 3.5 bathrooms, including a desirable main-floor primary suite and main-floor laundry for everyday convenience. The thoughtfully designed open floor plan also includes a dedicated office, a generous walk-in pantry, a loft area overlooking the living room, and a beautifully finished basement with a custom-built wet bar providing additional living and entertaining space. Step outside and enjoy the breathtaking views from the large, covered deck, complete with a TV and speakers-perfect for relaxing evenings or hosting family and friends. The property is well-equipped for hobby farming, recreation, or simply enjoying nature, with a garden, garden shed, small orchard, and a pond that offers excellent fishing opportunities. For those needing workspace or storage, the impressive 40' x 60' shop provides endless possibilities for equipment, hobbies, or business use. While located just minutes from Cameron, this property delivers the privacy, tranquility, and natural beauty of true country living. Property Highlights: - 8.78 acres m/l - 5 bedrooms, 3.5 bathrooms - 3,822 sq. ft. - Main-floor primary suite - Main-floor laundry - Dedicated office - Walk-in pantry - Beautifully finished basement - Large covered deck with TV and speakers - Garden and garden shed - Small orchard - Pond - Excellent fishing - 40' x 60' shop - Cameron School District - Private setting just minutes from Cameron, MO. SALE CONTINGENT UPON PARCEL BEING SURVEYED, OWNER WILLING TO SELL MORE ACREAGE OR OPEN TO DIFFERENT LOT LINES. Co-Listed with Broker/Owner.

6280 NW Sale Barn Road, Cameron

Listing courtesy of Mackason Lee of United Country Graham Agency.

$189,500

Looking for acreage with room to build, raise animals, or simply enjoy the peace and privacy of the country? This 27.1-acre tract in Caldwell County, Missouri offers a beautiful combination of gently rolling pasture with mature oak, walnut and hickory trees, and a potential build site for your future home or country retreat. The property is primarily open pastureland with scattered mature trees providing shade, shelter, and natural beauty. Fully fenced and ready for livestock, the acreage offers flexibility for a hobby farm, homestead, recreational use, or simply enjoying the great outdoors. Conveniently located near nearby communities and major highways, it offers the quiet feel of country living without being too far from everyday conveniences. Whether you're ready to build, looking for space for a hobby farm, or want a place where you can slow down and enjoy the country, this 27.1-acre tract offers the setting, space, and possibilities you've been looking for. Ready to make your country-living dreams a reality? Schedule your personal tour, walk the land, take in the views, and imagine the potential that awaits!

3561 Soo Line Drive, Polo

Listing courtesy of Cheri Hudson Landwehr of RE/MAX Central.

$350,000

3 Beds ⋅ 2 Baths

Country living with an incredible combination of comfort, functionality, and self-sufficiency! This manufactured 3-bedroom, 2-bath home sits on 3 acres m/l and offers an impressive array of amenities for those looking for space, versatility, and rural living. The home’s roof was replaced approximately one year ago, adding valuable peace of mind for the next owner. The property features a spacious metal fabrication shop with interior dimensions of 24x50, while the exterior measures approximately 25x60. The shop has a concrete floor, close-cell foam insulation, a propane heater, and a wall-mounted air conditioner, providing a comfortable and versatile workspace. An area in the northwest corner includes a sink and toilet for added convenience. The property also features an 8x24 storm shelter/storage room, providing secure storage and added peace of mind. A separate studio living space adds flexibility for guests, hobbies, or additional living needs. The property includes a rainwater catchment system and a lined pond providing irrigation water, along with a fenced garden area, small greenhouse, chicken coop, rabbit hutch, and storage barn—ideal for gardening, small-scale homesteading, and storage. Separate additional living quarters provide excellent potential for rental income, guest accommodations, or extended family. With multiple outbuildings, water resources, agricultural amenities, flexible living spaces, and numerous opportunities for recreation and self-sufficiency, this 3-acre m/l property offers a rare opportunity to enjoy the best of country living.

8493 Grandview Road, Kidder

Listing courtesy of Larry Allen of Berkshire Hathaway HomeService.

$239,000

4 Beds ⋅ 2 Baths

Welcome to this beautifully updated, move-in ready home in the heart of Hamilton, Missouri! Offering 4 spacious bedrooms and 2 full bathrooms, this home combines modern updates with comfortable, functional living. Step inside to an inviting open floor plan filled with natural light—perfect for both everyday living and entertaining. The updated interior features stylish finishes throughout, creating a fresh feel from room to room. You will love the spacious master suite and bathroom that has large closet, double vanities, tub, and shower! The kitchen flows seamlessly into the main living area, making it easy to host gatherings or enjoy time with family. Situated on a generous half-acre lot, you’ll have plenty of space to relax, play, or garden. The outdoor area offers endless possibilities, whether you're envisioning summer barbecues or quiet evenings under the stars. A standout feature of this property is the impressive 30x30 outbuilding with a concrete floor—ideal for a workshop, storage, hobby space, or additional parking. Conveniently located near local schools and the park, this home offers both comfort and accessibility in a welcoming small-town setting. Don’t miss your opportunity to own this turnkey property—schedule your showing today!

510 W Samuel Street, Hamilton

Listing courtesy of Cole Kemper of Berkshire Hathaway HomeService.

$265,000

3 Beds ⋅ 2 Baths

New Construction Home! Experience the effortless luxury of single-level living! New construction 3-bedroom, 2-full bathroom Ranch-Style home. Built on a durable, solid slab foundation, this property blends modern efficiency with a premium design. Perfectly tailored for low-maintenance, everyday comfort, it offers an incredible footprint in an established neighborhood. Plans are set, but act now to customize select finishes with the builder. Bring your vision to life before construction is finalized!

220 Pine Street, Kidder

Listing courtesy of Gina Miller of EXP Realty LLC.

$230,000

3 Beds ⋅ 1.5 Baths

This 3 bedroom, 1.5 bath home offers a large front porch, a covered patio, and low-maintenance vinyl siding with a metal roof. Inside, a flexible bonus room works as a second living area, home office, or additional sleeping space — use it however it fits. Updates throughout include a new water line, and new appliances will be included in the sale of the home. Out back, a 3-car detached garage delivers extra space for vehicles, tools, and projects. Remaining finishes — bathroom, countertops, fixtures, paint touch ups and appliance install — will be completed prior to closing. Located in the heart of a walkable small town, close to everyday conveniences and an easy drive to the city.

420 S 8th Street, Breckenridge

Listing courtesy of Ryan Greco of Asher Real Estate LLC.

$299,000

5 Beds ⋅ 3 Baths

NEW, NEW, NEW, NEW, and NEW. Everything has been meticulously remodeled. New flooring, new roof, new HVAC, and new wiring are just some of the updates worth mentioning. The kitchen has new cabinets, new countertops, and a great view of the backyard. The main level also features a living area, laundry, primary bedroom with attached bathroom, another bedroom and another full bath. Downstairs there are 3 more CONFORMING bedrooms, complete with closets and egress windows. The basement also features a 2nd living room, a full bathroom, and a utility room. Outside there is a shop with a concrete floor and electricity which provides covered parking and additional storage. This home is certainly move-in ready.

514 E 7th Street, Hamilton

Listing courtesy of Mackason Lee of United Country Graham Agency.

$99,000

4 Beds ⋅ 1 Baths

Small town setting with big upside potential. This Craftsman-style 4 bed / 1 bath home sits on a large corner lot in a quiet rural community within walking distance to the school. Previously a solid family home, it features a spacious layout with a large living room open to the dining area, a main-floor primary bedroom with a double closet, and main-floor laundry off the kitchen. Upstairs includes three additional bedrooms and a separate toilet room, offering a strong footprint for added value. The property also includes a 21x24 detached garage with built-ins, a garden shed, and a large concrete slab off the back deck (formerly used as a basketball court). Important: The home is currently in distressed condition and will require significant repairs and updates. However, major exterior improvements were completed in the past, including exterior paint, some flooring updates, and deck board replacement — giving a starting point for the right buyer. This is a value-add opportunity ideal for investors, flippers, or buyers looking to build equity. Strong layout, large lot, and functional outbuildings make this one worth a look. Seller is highly motivated and needs offers immediately. Cash or rehab financing recommended. Sold as-is.

408 W 5th Street, Braymer

Listing courtesy of Shawn Foster of 1st Class Real Estate KC.

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