Clay Homes with FHA Financing

Welcome to Clay County, Missouri! This charming county is a wonderful place to call home, offering a perfect blend of urban amenities and natural beauty. Located in the heart of Missouri, Clay County boasts a rich history, vibrant communities, and an abundance of recreational opportunities.

If you're looking to purchase a home in Clay County, you'll be pleased to know that many homes in this area are eligible for FHA financing. This means that you may be able to secure a loan with a lower down payment and more flexible credit requirements, making homeownership more accessible and affordable.

Whether you're searching for a cozy bungalow in a historic neighborhood or a modern townhouse in a bustling urban center, Clay County has something to offer every homebuyer. From family-friendly suburbs to trendy downtown areas, there's a diverse range of housing options to choose from in this dynamic county.

With top-rated schools, beautiful parks, and a thriving arts and culture scene, Clay County provides an exceptional quality of life for residents of all ages. Come and discover the unique charm and endless possibilities that await you in Clay County, Missouri. Let us help you find your dream home with FHA financing today!

Newest Clay Homes with FHA Financing

$257,500

3 Beds ⋅ 2 Baths

Welcome home to this beautifully updated 3-bedroom, 2-bath residence nestled in a quiet North Kansas City neighborhood! From the moment you step inside, you’ll appreciate the bright, inviting living spaces and thoughtful updates that make this home truly move-in ready. The spacious layout offers comfortable living with an open feel, while the updated kitchen provides plenty of cabinet and counter space for everyday living and entertaining. The primary suite features its own private bath, and two additional bedrooms offer flexibility for family, guests, or a home office. Step outside to enjoy the backyard—perfect for relaxing, entertaining, or letting pets and kids play. Conveniently located near shopping, restaurants, schools, parks, and major highways, you’ll enjoy quick access to everything Kansas City has to offer while still enjoying the comfort of an established neighborhood. Whether you’re a first-time buyer, looking to downsize, or searching for your next home, this property offers the perfect combination of location, comfort, and value. Don’t miss your opportunity to make this beautiful home your own—schedule your private showing today!

3904 NE 52nd Terrace, Kansas City

Listing courtesy of Jennifer Jellum of RE/MAX Central.

$189,000

3 Beds ⋅ 1 Baths

Welcome home to this cozy, low maintenance 3 bedroom, 1 bathroom, single-family ranch home located in the heart of Kansas City‘s desirable Northland area. This home has been completely renovated inside and offers a manageable maintenance-free exterior with plenty of outdoor space for gardening, entertaining, or pets. Whether you’re a First Time Homebuyer, or looking to downsize, or adding an excellent asset to your investment portfolio, this home provides a solid foundation in an established neighborhood with quick and easy access to the entire Kansas City Metro.

7209 NE 51st Street, Kansas City

Listing courtesy of Chelsie Gilpin of Turn Key Realty LLC.

$199,999

2 Beds ⋅ 1 Baths

WELCOME HOME! CHARMING RANCH ON A PRIVATE WOODED LOT! Beautiful wood floors in the dining room and family room featuring a fireplace and built-ins! Spacious kitchen with backsplash and plenty of cabinet space. Two good sized bedrooms and full bathroom complete this floor. Patio overlooks private treed lot, great for entertaining family and friends. Newer roof, air conditioner and heater. Washer, dryer and refrigerator stay with the property!

5056 NE Marvin Road, Kansas City

Listing courtesy of Bryan Huff of Keller Williams Realty Partners Inc..

$205,000

3 Beds ⋅ 1 Baths

Step inside to a bright, inviting layout featuring an eat-in kitchen with and convenient main-level laundry. The updated bathroom features a clean, modern look, while all three bedrooms provide flexible space for sleeping, guests, or a home office. Outside, enjoy a large, level, treed lot with a fenced backyard, patio area, mature shade trees, and plenty of room for entertaining, pets, gardening, or simply relaxing outdoors. Located in the Chouteau Estates neighborhood with easy access to shopping, dining, highways, and everyday conveniences, this well-maintained home combines functionality, outdoor space, and a great Northland location. Move right in and make it yours!

3626 N LISTER Avenue, Kansas City

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$415,000

4 Beds ⋅ 2.5 Baths

This home is updated in all of the right places - both in looks and in maintenance items! Furnace and Air Conditioner replaced in 2025 with a new whole house humidifier. Water heater was recently replaced with a TANKLESS water heater! Kitchen and dining room floors are hardwood and were refinished in the last few years, and carpet in the bedrooms and hallway were replaced July 2026! This home feels clean and well maintained from the second you are inside the door - the kitchen has been updated with granite countertops and open concept kitchen and dining. Upstairs find the large primary bedroom suite with private bathroom, and two additional bedrooms, full bathroom, and laundry room. Up another few steps and there is a fourth bedroom with a more private feel. The home has multiple living spaces allowing for flexibility however you need it - a formal living room on the main floor, a larger family room below the dining area and then a finished basement that could be used as an office, hidden playroom, hobby room - so many options. Outside, there is a covered deck to make time outside more enjoyable, as well as a concrete patio from the walk-out family room. Garage is about 600 sqft, large enough to have some storage in addition to fitting two cars with storage, plus the attached SHED in the back of the home has an elevated look but can be home to most storage items! Backyard is already fenced with much of it having been replaced recently! This house will check all of your boxes - it has the looks, meets so many practical needs and can be yours very soon!

8000 NE 112th Street, Kansas City

Listing courtesy of The Small Team of ReeceNichols-KCN.

$300,000

4 Beds ⋅ 2 Baths

Welcome home to this well-maintained 4-bedroom, 2-bath ranch in the Diamond Crest neighborhood of Smithville! Featuring 3 spacious bedrooms on the main level and 1 downstairs, this home offers a functional layout with an open kitchen that's perfect for everyday living and entertaining. The finished lower level boasts a large rec room with a built-in bar, plus a non-conforming bonus room ideal for an office, gym, or hobby space. The unfinished area is stubbed for a future full bathroom, offering room to add value. Step outside to enjoy the large deck with built-in seating, a fenced backyard, and a storage shed for all your outdoor equipment. Conveniently located just 1.5 miles from Smithville Lake, you'll have easy access to boating, fishing, hiking, and more!

806 Garnet Circle, Smithville

Listing courtesy of Jamie Watkins of RE/MAX Heritage.

$275,000

4 Beds ⋅ 2 Baths

Timeless character meets thoughtful updates in this beautifully maintained 4-bedroom, 2-bath Cape Cod offering nearly 2,000 square feet of comfortable living space. From the moment you arrive, you'll appreciate the home's inviting curb appeal and warm architectural charm. Inside, hardwood floors enhance the living room and main-level bedroom, while the spacious finished sunroom provides the perfect extension of the living area. Filled with natural light, it's an ideal space for relaxing with a morning coffee, entertaining guests, or creating a cozy family room. Step outside to enjoy the large wood deck and fenced backyard, offering plenty of room for grilling, outdoor dining, gardening, or simply unwinding in your own private retreat. This home has been lovingly cared for and features numerous valuable updates, including a new roof and HVAC system installed within the past five years, along with extensive plumbing improvements, giving buyers confidence and peace of mind for years to come. With its blend of classic Cape Cod charm, flexible living spaces, major mechanical upgrades, and inviting outdoor space, this home is truly one of a kind. If you've been searching for a home in the heart of the Northland with character, modern updates, and room to make lasting memories, this is one you won't want to miss. Schedule your private showing today!

3627 N Walrond Avenue, Kansas City

Listing courtesy of Stroud & Associates Team of Real Broker, LLC.

$200,000

2 Beds ⋅ 2 Baths

This 2 bed, 2 bath home has a great layout with a bonus office that's perfect for working from home, a hobby room, or whatever fits your lifestyle. The seller has already taken care of one of the big-ticket items with a brand-new roof, giving you added peace of mind Out back, you'll love the oversized deck with plenty of space to relax or host friends. Tucked into a convenient Northland location, you're just minutes from shopping, restaurants, highways, and Maple Woods with miles of scenic walking trails.

2514 NE 76th Street, Kansas City

Listing courtesy of McQueeny Goodwin Group of Keller Williams Realty Partners Inc..

$329,000

3 Beds ⋅ 3 Baths

Don't miss this opportunity to own a Villa in the highly desirable Westwoods Subdivision! This home is a clean slate ready for your remodel, updates and personal choices, offering the perfect chance to create the space you've been dreaming of. Vaulted kitchen with access to a spacious deck! Dining area & Living room with a fireplace that also has access to deck! The functional floor plan features a spacious primary suite on the main level with hardwood floors and master bath with access to the deck, along with a generously sized second bedroom and a full hall bath for guests. The finished walkout basement provides additional living space with a large Great room with fireplace, a third bedroom with its own private full bath. An expansive clean storage area. Whether you're looking to personalize your next home or invest in a property with outstanding potential, this Villa offers an unbeatable combination of a great location, great space, and a great opportunity. Enjoy low-maintenance living in a well-kept neighborhood, all within close proximity to shopping, dining, and everyday conveniences. Close to historic Liberty Square for Farmers Market, Spring and Fall on the Square! Excellent Liberty School District.

306 LAKESIDE Drive, Liberty

Listing courtesy of Jim Cooper of RE/MAX Revolution.

$390,000

3 Beds ⋅ 2.5 Baths

Welcome to 2901 Gentry Park, where stylish updates, low-maintenance living, and an unbeatable North Kansas City location come together in one exceptional home. This desirable end-unit townhome offers added privacy and overlooks a peaceful park just outside the front door, creating a serene setting that's hard to find. Step inside to soaring ceilings, oversized bay windows, gleaming wood floors, and an open-concept floor plan designed to maximize natural light and create an inviting atmosphere. Multiple indoor and outdoor living spaces provide the perfect backdrop for entertaining guests or simply relaxing at home. Thoughtful updates throughout offer peace of mind, including a new air conditioner (2025), updated furnace paneling (2024), a beautiful new deck (2024), a fully updated lower-level bathroom (2026), fresh new paint and updated light fixtures throughout the home, giving every space a fresh, modern feel. Outside, you'll love the convenience of truly maintenance-free living with an HOA that takes care of lawn care, snow removal, and exterior maintenance, allowing you to spend more time enjoying everything the area has to offer. Located directly across the street from Macken Park, you'll have easy access to trails, tennis and pickleball courts, playgrounds, and expansive green space for recreation and relaxation. Plus, you're less than a mile from an incredible selection of local restaurants, coffee shops, breweries, boutiques, and entertainment including 3/4 mile to the new Chef J BBQ location. Offering an ideal combination of updated features and a prime location, this North Kansas City gem is ready to welcome you home.

2901 Gentry Park Parkway, North Kansas City

Listing courtesy of Bryan Fish of Real Broker, LLC.

$325,000

3 Beds ⋅ 3 Baths

Welcome home to this well-maintained and thoughtfully updated home featuring three separate living areas! The inviting main-level living room flows seamlessly into the kitchen and dining area, creating a great space for everyday living and entertaining. The bright lower-level family room offers a cozy wood-burning fireplace and walks out to the fully fenced backyard....on a corner lot. The partially finished basement provides excellent potential for additional living space, a recreation room, home office, or gym. The updated kitchen features new countertops, a pantry, and plenty of storage. Recent improvements include new flooring, a new water heater, new sump pump, and a new water main, giving buyers added peace of mind. Enjoy outdoor gatherings on the spacious new deck, and take advantage of the storage shed, which stays with the property. This home has been meticulously cared for and is truly move-in ready!

904 NE 60th Terrace, Kansas City

Listing courtesy of Jackie Perez of Inspired Realty of KC, LLC.

$540,000

5 Beds ⋅ 4.5 Baths

**RARE OPPORTUNITY!** Tucked away on a quiet cul-de-sac in one of Liberty's most desirable neighborhoods, this exceptional 5-bedroom, 4.5-bath home offers the perfect blend of luxury, flexibility, and timeless comfort. Designed for today's lifestyle, the spacious main level features a private executive office with custom built-in shelving, an elegant formal dining room, and both a living room and expansive hearth room—each with its own fireplace—creating warm, inviting spaces for entertaining and everyday living. The breakfast area opens seamlessly to the kitchen and overlooks the beautiful backyard, making every morning feel special. The finished walkout lower level is truly one of this home's most unique features. Thoughtfully designed as a complete private living suite, it includes a **brand-new kitchen**, spacious family room, bedroom, full bathroom, laundry hookups, and its own private exterior entrance. Whether you're accommodating aging parents, adult children, long-term guests, or simply looking for additional living flexibility, this space offers endless possibilities. Outdoor living is equally impressive. Enjoy evenings on the expansive wraparound deck overlooking the beautifully landscaped backyard, or relax on the oversized patio just outside the private lower-level suite. Recent updates include a new 50-gallon water heater and an installed radon mitigation system for added peace of mind. Plus the roof is only 2 years old and dual heating and cooling all newer. Located in the highly acclaimed Liberty School District, this wonderful community also features a neighborhood swimming pool and is just minutes from shopping, restaurants, parks, and entertainment. Homes offering this combination of space, versatility, and lifestyle are incredibly rare. Don't miss your opportunity to make this remarkable property your next home!

809 Cottonwood Place, Liberty

Listing courtesy of Denise Cunningham of Keller Williams Realty Partners Inc..

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