Cedar Homes with FHA Financing

Cedar Homes with FHA Financing

Welcome to Cedar County, Missouri, a hidden gem nestled in the heart of the Ozarks! Known for its picturesque landscapes and friendly communities, Cedar County offers a perfect blend of rural charm and modern conveniences. With lush forests, sparkling lakes, and rolling hills, it’s an ideal location for those seeking a peaceful retreat while still being within reach of urban amenities. The county is rich in history, featuring quaint towns like Stockton and El Dorado Springs, where you can find local shops, delightful dining options, and vibrant community events.

For potential homeowners, Cedar County presents an excellent opportunity, especially for those considering FHA financing. The Federal Housing Administration (FHA) offers a pathway to homeownership for many individuals and families by allowing lower down payments and more flexible credit requirements. This means that your dream home in Cedar County could be more attainable than ever! Whether you’re looking for a cozy cottage, a spacious family home, or a charming farmhouse, the diverse real estate options in this area cater to all tastes and budgets.

Living in Cedar County means embracing a lifestyle filled with outdoor adventures, from fishing and boating on Stockton Lake to hiking in the nearby conservation areas. The community spirit here is strong, with friendly neighbors and a welcoming atmosphere that makes you feel right at home. Come explore Cedar County, where your dream home awaits, and experience the beauty and warmth of this enchanting part of Missouri!

Newest Cedar Homes with FHA Financing

$125,000
2 Beds ⋅ 1 Baths
Fully Furnished Charmer with Modern Upgrades & Huge fenced Yard! Prepare to be blown away! This move-in-ready 2-bedroom, 1-bathroom gem built in 1948 combines vintage character with modern convenience, and best of all, it comes fully furnished! Just bring your toothbrush and unpack. Interior Features: Move-In Ready Convenience: Comes completely furnished, taking the stress and cost out of moving. Character & Charm: LVP and original hardwood floors, restored original wood trim, and vintage door knobs throughout. Upgraded Kitchen: Outfitted with a high-end stainless steel appliance package, featuring a 5-burner gas stove and a built-in wine refrigerator for effortless entertaining. Bathroom: Clean and functional featuring a sleek stand-up shower. Exterior & Bonus Spaces: Unfinished Basement: A full basement offering tons of storage or potential extra living space, complete with an overhead garage door for convenient equipment storage or parking. Outdoor Oasis: A sliding glass door off the kitchen opens to a spacious deck overlooking an incredible, nearly half-acre fully-fenced yard with stunning mature landscaping. Perfect for pets, gardening, or relaxing outdoors. Unbeatable value, historic charm, and turn-key convenience all for just $125,000. Properties packed with this much value don't last long. Schedule your showing today.

218 W Joe Davis Street, El Dorado Springs

Listing courtesy of Lori BURES of Shannon & Associates.
$210,000
3 Beds ⋅ 2 Baths
Experience this classic brick ranch offering timeless appeal, generous living space, and a great location! Situated on a spacious double lot, this 3-bedroom, 2-bath home combines timeless character with endless possibilities. Step inside to discover beautiful hardwood floors, a bright and inviting living room, and an oversized eat-in kitchen designed for everyday living. You'll love the abundance of cabinetry, expansive countertop space, updated stainless farmhouse sink, and large peninsula that's perfect for meal prep, entertaining, or casual dining. The spacious primary bedroom offers a comfortable retreat, while two additional bedrooms provide flexibility for family, guests, or a home office. The oversized hall bath features a double vanity with abundant storage, tub/shower combo and the convenience of a main floor laundry. In the hallway, there are several unique inset cabinets which add even more organizational space. Home improvements include a newer HVAC, new hot water heater, new roof, new rain gutters, all new windows and basement sliding door, providing peace of mind and enhanced energy efficiency for years to come. The full and partially finished walkout basement includes a 3/4 bath, large family space for entertaining, a maintenance room with sink and storage, and a two-car garage with workshop potential. Outside, enjoy the extra space that comes with a large double lot, offering endless possibilities for gardening, recreation, outdoor entertaining, or future improvements. Conveniently located to town amenities, this move-in-ready home is the perfect blend of comfort, space and location. Don't miss your opportunity to own this charming solid built home! Call today for a showing!

102 E Hospital Road, El Dorado Springs

Listing courtesy of Leah Akin of Diamond A Real Estate, LLC.
$239,900
4 Beds ⋅ 2 Baths
NEW CONSTUCTION HOME FOR SALE IN EL DORADO SPRINGS, MO. Brand New 4 Bedroom, 2 Bathroom Home for Sale on quiet street in Southside El Dorado Springs, MO. Curb appeal on this home is beautiful. The long, covered front porch will have an attractive gable roof and plenty of space to relax. This home will feature 2,048 finished square feet in the 2-level floor plan. The main level will consist of a nice sized living room, large dining room, kitchen, master bedroom, a full bathroom, and the utility room. The high-end kitchen features custom cabinets with granite countertops including a breakfast bar, soft close doors & drawers, lazy Susan, and pantry. The second level of the home features a spacious second living room, 3 large guest bedrooms (all with walk-in closets), and the second full bathroom. In addition to this excellent living space, the home features a 1-car attached garage as well as a deck out back. Estimated completion date is September 2026. An offer accepted soon will allow the buyer to select many customized colors both interior and exterior including siding, roof, gutter, flooring, wall, cabinet finishes, and countertops as construction process allows. Don't miss your opportunity to own a spacious NEW HOME on the southern edge of El Dorado Springs, MO! Call soon! **Pictures on this listing are of similar homes recently built by this builder and in the same subdivision.**

1807 S Elm Street, El Dorado Springs

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$325,000
4 Beds ⋅ 3 Baths
Country living meets business opportunity on this versatile 2.9-acre property just under a mile from the city limits of El Dorado Springs, MO. With a spacious 1.5 story earth contact home offering 2,235 finished sq ft, this property is ideal for those seeking a rural lifestyle with room to work & grow. The home features 4 very spacious bedrooms & 3 baths along with a 2-car attached garage. Inside, you’ll find a comfortable layout with plenty of closet space & easy-access attic storage. The living room showcases a vaulted ceiling & an attractive brick woodburning fireplace, creating a warm & inviting focal point. What truly sets this property apart is the impressive collection of outbuildings—perfect for hobbyists, business use, or a working homestead. A 30’x50’ 3-bay mechanic’s garage is fully equipped with concrete floor, electric, lighting, woodburning stove, window A/C, & ½ bath, with bay doors measuring 9’x9’, 10’x7’, & 9’x7’. A second 30’x50’ 3-bay workshop features concrete floor, electric, lighting, gas wall heater, window A/C, & ½ bath, with bay doors of 12’x11’ & (2) 9’x9’ openings. Additional buildings include a 30’x40’ pole barn with electric & lighting (ideal for equipment, boats, or ATVs), a 25’x30’ enclosed 2-car carport with overhead doors, an additional 2-car carport currently used as a woodshed, 2 storage sheds, & a chicken coop. The property is well laid out with a circle drive serving the home & main buildings, plus a separate private drive to the mechanic’s garage. Outdoor features include 2 garden plots, a large front yard with mature trees, & a spacious side yard suitable for small livestock. Whether you're looking to establish a homestead, create a farmette, or operate a small business—especially in vehicle repair or carpentry—this property offers the space, functionality, & location to make it happen.

3705 E 150 Road, El Dorado Springs

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$159,900
3 Beds ⋅ 1.5 Baths

1201 S 1st Street, El Dorado Springs

Listing courtesy of SHANNON Eason of Shannon & Associates.
$165,000
2 Beds ⋅ 2 Baths
Beautiful Home- Excellent Location. Check out this low maintenance property nestled into a cul-de-sac on the south side of El Dorado Springs. This 2 bed, 1 ¾ bath home is ready for its new owner. The home features 1,116 square feet in a super-efficient floor plan design. Recent improvements include a brand new Roof and brand new HVAC in Summer 2026. The kitchen-dining-living room space is open and roomy. The kitchen has been updated with painted cabinets and stainless steel, Samsung appliances including the refrigerator, oven/range, dishwasher, and microwave. The entire home has vinyl or LVP flooring, so any clean-up is easy and quick. The bedrooms and bathrooms have ADA compliant doors and give plenty of space for maneuverability. The two bedrooms sit at the end of the hallway, and the master bedroom has its own private bathroom including a walk-in shower unit. A utility room/mudroom sits just off the kitchen and gives access to the single-car garage or the back patio area with a comfortable back yard. Locations like this are difficult to find, so act quickly on this fantastic property!

1409 Schrock Drive, El Dorado Springs

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$149,000
3 Beds ⋅ 1.5 Baths
Home for Sale El Dorado Springs MO Located at 909 S Main El Dorado Springs MO, 3-bedroom, 1.5 bath home built in 1912 offering 1,960 sq ft of living space in the heart of El Dorado Springs. This classic two-story home blends historic character with everyday functionality, making it a great opportunity for homeowners or investors alike. Inside, you’ll find spacious living areas with tall ceilings and large windows that allow natural light to flow throughout the home. The layout provides generous room sizes, creating comfortable spaces for gathering, relaxing, or entertaining. The kitchen offers ample cabinet space and room to personalize to your taste. A convenient half bath adds practicality for guests, while the full bath serves the three well-sized bedrooms. Home For Sale Cedar County MO Located in Cedar County Missouri’s El Dorado Springs this home boast nearly 2,000 square feet, there is flexibility to update, modernize, or simply enjoy the character of a home built in the early 1900s. The craftsmanship and structure reflect the era, while the space provides the functionality needed for today’s lifestyle. Situated on South Main Street, the property offers close proximity to local businesses, schools, and daily conveniences while maintaining a residential feel. The yard provides room for outdoor enjoyment, or additional improvements. To contact the listing agent, scroll to the bottom of this page and find the listing agent's contact information.

909 S Main Street, El Dorado Springs

Listing courtesy of James Edwards of United Country Real Estate Buckhorn Land and Realty.
$119,500
2 Beds ⋅ 1 Baths
New Construction Home For Sale - El Dorado Springs, MO. Tired of fixer-uppers? Discover this affordable, low-maintenance new build in the heart of El Dorado Springs - a move-in ready option for buyers seeking simplicity, efficiency, and modern comfort. This 2-bedroom, 1-bathroom home offers 875 sq ft of well-designed living space. The kitchen features custom cabinets, a pantry, and brand-new appliances including a refrigerator, oven, and built-in microwave - ready for use on day one. The two bedrooms share a full hall bathroom with a shower-over-tub combo. In addition, a covered back patio provides a comfortable outdoor retreat. The buyer who puts this home under contract soon will be able to select some colors and finishes, allowing them to customize to their preferences. Estimated completion is January 2026 - now is the perfect time to secure this quality-built home before it's gone. Photos provided are from a similar home by the same builder; final colors and layout may vary. Call today to schedule a tour or make an offer.

904 S Kirkpatrick Street, El Dorado Springs

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$119,500
2 Beds ⋅ 1 Baths
New Construction Home For Sale - El Dorado Springs, MO. Tired of fixer-uppers? Discover this affordable, low-maintenance new build in the heart of El Dorado Springs - a move-in ready option for buyers seeking simplicity, efficiency, and modern comfort. This 2-bedroom, 1-bathroom home offers 875 sq ft of well-designed living space. The kitchen features custom cabinets, a pantry, and brand-new appliances including a refrigerator, oven, and built-in microwave - ready for use on day one. The two bedrooms share a full hall bathroom with a shower-over-tub combo. In addition, a covered back patio provides a comfortable outdoor retreat. The buyer who puts this home under contract soon will be able to select some colors and finishes, allowing them to customize to their preferences. Estimated completion is summer 2026 - now is the perfect time to secure this quality-built home before it's gone. Photos provided are from a similar home by the same builder; final colors and layout may vary. Call today to schedule a tour or make an offer.

106 E Lafayette Street, El Dorado Springs

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$2,000,000
First class! Don't miss this one of a kind, custom built restaurant building on 1.81 acres in the beautiful town of El Dorado Springs, Missouri. The like-new building, ready to operate a full service restaurant is a turn key opportunity. Restaurant fixtures, equipment, stoves, freezers, refrigerator and contents sell included in the purchase price. The building was built in 2018, is on a state highway with a spacious concrete parking lot. A large sliding door can be used to separate or expand the dining room to create more space or a private meeting room. The 700 square foot covered porch welcomes customers to a quality experience.

1403 S Hwy 32 Highway, El Dorado Springs

Listing courtesy of Vicki Hillsman of BROWER REAL ESTATE COMPANY.
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