Clay Homes with USDA Loan Financing

Welcome to Clay County, Missouri! This vibrant county is a hidden gem in the heart of the Show-Me State. Known for its charming communities, picturesque landscapes, and rich history, Clay County offers a unique blend of urban amenities and small-town charm.

If you're considering purchasing a home in Clay County, you'll be pleased to know that many properties are eligible for USDA loan financing. This type of financing offers many benefits for homebuyers, including low interest rates, no down payment requirement, and flexible credit guidelines. Whether you're a first-time homebuyer or looking to relocate to this beautiful county, USDA loan financing can make your dream of homeownership a reality.

From cozy bungalows to spacious family homes, Clay County has a diverse range of properties to suit every lifestyle and budget. Whether you prefer a historic home with character or a modern new build with all the latest amenities, you're sure to find the perfect home in Clay County.

With its convenient location, excellent schools, and thriving local economy, Clay County is a fantastic place to call home. Discover the beauty and charm of this wonderful county and find your dream home with USDA loan financing. Contact us today to learn more about available properties and start your journey to homeownership in Clay County, Missouri.

Newest Clay Homes with USDA Loan Financing

$335,000

4 Beds ⋅ 2 Baths

Fantastic Liberty location! You’re going to love this 4-bedroom, 2-bath home featuring major updates throughout. Located close to schools, highways and shopping with no HOA. Enjoy peace of mind with a new roof (under 1 year old), new furnace, new water heater, and all new windows and doors and freshly painted exterior. Interior updates included bathrooms, and a kitchen with stainless steel appliances, all less than 5 years old and staying with the home. The sub-basement provides excellent storage. Outside features include an updated deck, fresh landscaping, and a fully fenced backyard with a nice shed for mower storage. The Beauty station stays with the property.

1320 Andrea Drive, Liberty

Listing courtesy of Laurel DeFreece of DeFreece Real Estate Team, LLC.

$350,000

3 Beds ⋅ 3 Baths

Reverse 1.5 Story fenced lot in the highly sought-after Northland area of Kansas City! No HOA. Home features vaulted ceilings, cozy fireplace, and brand new carpet throughout. The kitchen features a window area nook. Abundant basement area for both an office and / or wellness room to retreat to. Spacious primary suite featuring a walk in closet. With 3 generous-sized bedrooms, 3 full bathrooms, lots of storage and a finished walkout basement, there is room for everyone to enjoy. Step outside to the patio or deck. Complete with a 2-car garage. Easy highway access.

208 NW 112TH Terrace, Kansas City

Listing courtesy of Karlita Valle of United Real Estate Kansas City.

$389,900

4 Beds ⋅ 2.5 Baths

You'll fall in love with this adorable 2-story home nestled in the desirable Brookhaven subdivision! Offering spacious 4 bedrooms, 2.5 bathrooms with a warm inviting layout, this home is full of charm and thoughtful upgrades including Beautiful new Landscape beds, New Carpet and Fresh Interior Paint. The heart of the home is the stunning kitchen featuring a gorgeous marble island, with upgraded lighting and marble countertops, custom stained cabinetry, a pantry, and a large corner sink overlooking the backyard. Real hardwood floors flow throughout the living room, dining room, and kitchen, while the cozy living room offers a beautiful fireplace, ceiling fan, custom shades, and the perfect place to gather. Step from the dining room onto the covered deck overlooking the huge corner lot with mature trees that provide privacy and room to enjoy the outdoors. The unfinished walkout basement is already stubbed for a future bathroom, giving you endless possibilities to add additional living space. Retreat to the spacious primary suite complete with a ceiling fan, custom blackout shades, a spa-inspired bath featuring a jetted tub, upgraded double vanity with abundant lighting, and an oversized walk-in closet. Located in the highly sought-after Brookhaven subdivision, you'll enjoy everything Kearney has to offer—from its charming small-town feel, local shops, and restaurants to its highly rated schools. This one checks all the boxes and won't stay on the market long.

1613 Renea Court, Kearney

Listing courtesy of Erica Moss of RE/MAX Innovations.

$350,000

3 Beds ⋅ 2 Baths

Discover the perfect blend of space, privacy, and versatility on 1.42 beautiful acres! This well-maintained property offers 3 bedrooms, 2 full baths, a finished basement, and incredible indoor and outdoor spaces designed for everyday living and entertaining. Inside, you'll love the inviting sunroom, a cozy place to relax while taking in views of the peaceful property. The kitchen features charming built-in booth seating, pull-out pantry drawers, a new microwave, and space for gathering with family and friends. Downstairs, the finished basement includes a gas stove, creating a warm and welcoming space for a recreation room, family room, home office, or hobbies. Step outside to an incredible patio and firepit area, perfect for entertaining or enjoying quiet evenings. Nature lovers will appreciate the private trails leading through shaded woods where morel mushrooms can be found each spring. Be sure to look for the property's unique arched tree, a one-of-a-kind natural feature. This property is a dream for hobbyists, outdoor enthusiasts, or anyone needing extra storage. The 20' x 25' metal outbuilding offers a concrete floor, electricity, heater, and 220-volt service, making it ideal as a workshop or storage space. An additional storage shed provides even more flexibility. Separate driveway leading to dedicated boat/RV or vehicle parking, complete with a 50-amp electrical hookup and septic connection. Additional updates include a newer roof and gutters. With 1.42 acres, beautiful wooded surroundings, exceptional outbuildings, and room for all your toys and hobbies, this unique property offers the lifestyle you've been searching for.

4625 N Bennington Avenue, Kansas City

Listing courtesy of Aimee Paine of Keller Williams KC North.

$515,000

4 Beds ⋅ 3 Baths

Welcome home to this beautiful newer 4-bedroom home in Homestead Hills, offering an exceptional value in the highly sought-after Liberty School District! This unique California Split with a twist features an open-concept floor plan with soaring vaulted ceilings, a cozy fireplace, and a spacious living area that flows seamlessly into the kitchen. The kitchen is sure to impress with quartz countertops, floating shelves, beautifully stained cabinetry accented with stylish gold hardware, stainless steel appliances, and plenty of workspace for everyday living and entertaining. Retreat to the spacious primary suite, primary on kitchen level and accessed through French doors. The luxurious en-suite bathroom features a gorgeous tiled walk-in shower with dual shower heads, a relaxing soaking tub, a glass shower door, double vanity, and a large walk-in closet. A convenient half bath is also located on the main level for guests. Upstairs, you’ll find three additional bedrooms and a centrally located laundry room. The finished walkout lower level offers an expansive recreation room, fourth bedroom, and full bathroom—perfect for guests, a home office, or additional living space. Step outside to the extended patio featuring permanent light posts and plenty of room for entertaining, relaxing, or gathering around a future fire pit. Need extra storage? The bonus sub-basement provides abundant space for all your storage needs. Enjoy a Liberty address with NO Kansas City earnings tax, plus neighborhood amenities including a community pool. Conveniently located near Liberty Drive with quick access to the new interchange, shopping, restaurants, and schools. This home offers the perfect blend of style, space, and location!

2152 Hay Market Court, Liberty

Listing courtesy of Teressa Quigley of The Real Estate Store LLC.

$289,900

3 Beds ⋅ 2 Baths

Welcome to this beautifully updated home in an established west Excelsior Springs neighborhood, located less than one mile from Excelsior Springs Hospital. Blending comfort, convenience, and thoughtful updates, this move in ready home offers outstanding curb appeal and a long list of improvements. Recent updates include new flooring, fresh interior paint, granite countertops, a new water heater, updated lighting fixtures, and a beautiful and newly built oversized back deck. Replacement windows were installed by a previous owner add even more value and efficiency. The spacious deck overlooks a tree lined backyard and features stairs leading to the yard below, creating the perfect space for entertaining, relaxing, or enjoying your morning coffee. The covered patio beneath the deck provides a comfortable outdoor retreat, rain or shine. Two rear facing garages offer added privacy, while the oversized driveway provides ample parking for multiple vehicles. Inside, you’ll find three generously sized bedrooms on the main level, including a primary suite with a private bath and walk in shower. A second full hall bath serves the additional bedrooms and guests. The inviting living room features a cozy wood burning fireplace, while the finished walkout basement expands your living space with a second fireplace, a large family or recreation room, and a utility room. Whether you need space to entertain, work from home, or simply relax, this flexible lower level has you covered. The backyard is fenced along the sides and rear, offering plenty of room for pets, play, or outdoor activities. Mature trees provide shade, privacy, and a peaceful setting you’ll appreciate year round. With quality updates throughout, functional living spaces, and an excellent location, this home offers the perfect combination of style, comfort, and convenience. If you’ve been searching for a move in ready home where the hard work has already been done, this one deserves a spot at the top of your list!

1229 Michele Drive, Excelsior Springs

Listing courtesy of Kenny Manley of ReeceNichols-KCN.

$249,900

Build your dream home on this beautiful property nestled between Platte City and Smithville! Tucked away among mature trees, this peaceful setting offers the privacy of a country retreat while remaining conveniently near amenities. The driveway is already in place plus electric and water scheduled to go in- giving you a head start on your future build. The structure on the property offers an opportunity for the next owner to complete or expand the dwelling, subject to all applicable permits and county requirements. The lower portion of the land sits in a flood plain but the majority of the land you can see does not sit in it and allows for flexibility on your future plans. Whether you're looking to create a secluded forever home or a weekend getaway, this property offers the perfect canvas.

821 W 92 Highway, Smithville

Listing courtesy of Nichols Home Collective Team of ReeceNichols-KCN.

$579,900

3 Beds ⋅ 2 Baths

Welcome to Stone Ridge Acres, a homestead property in Trimble, MO. The air is clear, the grass is green and the sky is blue. You can almost feel the stress falling away when you roll onto the tree-lined driveway from the winding blacktop road. You will not find a more unique property or more picturesque acreage in this price range and location. Kearney schools, an easy drive to the city and an estate neighborhood feel. 15.4 gorgeous acres, partially treed, full of wildlife, super private, set way back from the road. A grand, custom built fireplace anchors the home with character and sophistication. It feels both natural and earthy while angular and clean at the same time. Enjoy the outdoors on your brand new deck. Store all that you need in the 30x48 outbuilding with loft. Geothermal heat source HVAC will keep utilities down year-round. This property is sure to impress the buyer who wants an updated home on beautiful land in the ideal north-of-the-city location.

19607 Fightmaster Road, Trimble

Listing courtesy of SBD Team of SBD Housing Solutions LLC.

$328,000

3 Beds ⋅ 2.5 Baths

Check out this beautiful 3-bedroom, 2.5-bath home offering comfort, style, and a prime location! Come inside to find brand new carpet, fresh paint, and stunning refinished hardwood floors that add warmth and elegance throughout. Enjoy peace of mind with a seller-paid home warranty, making this home truly move-in ready. The spacious layout is perfect for both everyday living and entertaining. Outside, you’ll love the large, privacy-fenced backyard—ideal for gatherings, pets, or relaxing evenings on the back deck. This neighbourhood has a community pool, playground, and dog park. Located just minutes from Paradise Pointe Golf Course, disc golf course, trails, and offering easy access to the boat ramp at Smithville Lake, this home is perfect for those who enjoy outdoor living and recreation. Don’t miss your chance to own a well-maintained home in a desirable area—schedule your showing today!

208 Hampton Drive, Smithville

Listing courtesy of Aubri Blaize Blaize of Keller Williams KC North.

$199,500

3 Beds ⋅ 1 Baths

Major updates make this beautifully renovated three-bedroom, one-bath true ranch a must-see! Enjoy peace of mind with a brand-new roof and gutters, all-new windows, a new exterior air-conditioning unit, and a new water heater. Tucked away on a quiet street in charming Excelsior Springs, this move-in-ready home has been thoughtfully updated throughout. Inside, you?ll find fresh paint, new trim, and all-new interior and exterior doors. The completely remodeled kitchen features new cabinets, countertops, backsplash, sink, and garbage disposal, while the updated bathroom offers modern finishes and style. The spacious living room and kitchen provide an inviting layout for both everyday living and entertaining. New flooring and carpeting flow throughout the home, and brand-new front and rear decks create the perfect spaces to relax and enjoy the outdoors. Don?t miss the opportunity to own this tastefully updated ranch home in a peaceful setting with so many costly improvements already completed.

103 Berton Road, Excelsior Springs

Listing courtesy of Linda Terrell Mazan of BHG Kansas City Homes.

$250,000

3 Beds ⋅ 2 Baths

This home is a true gem. Owner has put so much into it you only need to move in and enjoy living here. The driveway will fit 5 cars, so parking is never an issue. The backyard is huge and fenced!!! Sit in the screened in patio or the covered front porch and enjoy the peace and quiet of the neighborhood. These spaces make it easy to entertain. Home is situated on a dead end street. Inside you have 3 large bedrooms and two full bathrooms. Bring your queen and king size beds! The big ticket items are all taken care of too! Newer furnace and AC. New Windows! This should check all your boxes!!

920 Tracy Avenue, Excelsior Springs

Listing courtesy of Michelle Anaya of RE/MAX Innovations.

$299,000

4 Beds ⋅ 2 Baths

Welcome home to this well-maintained all-brick ranch nestled on a quiet, tree-lined street in one of Excelsior Springs' established neighborhoods. Built in 1966, this home offers the quality construction and timeless character that's hard to find today, combined with thoughtful updates that make it move-in ready. Inside, you'll love the remodeled open-concept kitchen featuring stainless steel appliances, abundant cabinet space, and a seamless flow into the spacious hearth room. New flooring adds a fresh, modern feel, while the hearth room opens directly to the patio and fully fenced backyard—perfect for entertaining, relaxing, or letting pets and kids play safely. With four bedrooms, there's plenty of room for a growing family, guests, or a dedicated home office. The expansive basement offers incredible flexibility with a large unfinished area ideal for storage, hobbies, or future expansion. The brand new driveway leads to the oversized garage allows for storage for tools, fridges or hobby cars. The mature trees surrounding the property provide beautiful shade and create a peaceful setting you'll appreciate year-round. Whether you're searching for your first family home, need extra space, or are looking to downsize without sacrificing comfort or quality, this home offers the convenience of main-level living with room to grow. Located just minutes from the historic Elms Hotel, downtown Excelsior Springs, parks, shopping, and schools, you'll enjoy the charm of a close-knit community while remaining within easy commuting distance of Kansas City. Don't miss your opportunity to own this solid, beautifully maintained brick ranch in a desirable neighborhood!

602 Pierson Street, Excelsior Springs

Listing courtesy of Edward Van Buskirk of 1st Class Real Estate Summit.

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