Clay Homes with Conventional Financing

Welcome to Clay County, Missouri! This vibrant county is a hidden gem nestled in the heart of the Show-Me State. With a rich history and a thriving community, Clay County offers a diverse range of attractions and amenities for residents and visitors alike.

Homes in Clay County with conventional financing are a popular choice for those looking to settle down in this picturesque region. Whether you're a first-time homebuyer or a seasoned investor, the real estate market in Clay County has something to offer for everyone. From cozy bungalows to spacious family homes, there is a wide variety of properties available to suit every taste and budget.

With its convenient location, excellent schools, and abundance of parks and recreational facilities, Clay County is the perfect place to call home. Whether you're looking for a peaceful retreat away from the hustle and bustle of the city or a vibrant community to raise a family, Clay County has it all.

If you're considering making Clay County your new home, now is the perfect time to explore the real estate options available. From charming historic homes to modern new developments, there's something for everyone in this dynamic and welcoming county. Come and discover all that Clay County has to offer – you won't be disappointed!

Newest Clay Homes with Conventional Financing

$1,559,000

4 Beds ⋅ 4.5 Baths

Luxury awaits in this signature Cardinal Crest design where sophisticated architecture, thoughtful functionality, & exceptional craftsmanship come together. Expertly crafted for elevated everyday living & effortless entertaining, the impressive main level welcomes you with an expansive great room filled with natural light, a custom-designed kitchen featuring an oversized island & walk-in pantry, a dedicated dining area, and an expansive covered outdoor living space—creating an ideal setting for both intimate gatherings & entertaining on a larger scale. The private primary suite is a luxurious retreat, complete with a spa-inspired bath featuring a freestanding soaking tub, oversized shower, dual vanities, & a walk-in closet that adjoins the main-level laundry. A 2nd bedroom with full bath & mudroom with built ins provides exceptional flexibility on the main floor. The lower level expands the living experience with nearly 1,800sf of finished space, including 2 additional bedrooms, each with its own ensuite bath, a powder room, spacious great room w/wet bar, & flexible space designed for a game table or recreation area. An additional finished room is perfect for a home gym, office, hobby space, or private retreat. The impressive 1,042sf, 3-car garage offers an oversized two-car garage + an additional single garage, perfect for vehicles, recreational equipment or workshop needs. Distinctive architecture, abundant natural light & elevated design details are hallmarks of the premium personalization Cardinal Crest brings to every home. Set on more than half an acre in the heart of Kearney, Jamestowne Estates is distinguished by a collection of thoughtfully curated custom homes created for discerning homeowners who value quality, character & individuality. There’s still time to make this home uniquely yours. Choose your preferred finishes & personalize select design details while construction is underway - estimated completion in Spring 2027.

207 Melinda Drive, Kearney

Listing courtesy of Cindy Stockton of Turn Key Realty LLC.

$299,000

100% occupied income-producing triplex in Excelsior Springs. Completely renovated to minimize expenses and maximize profits. The building includes a full unfinished basement and a detached garage that is also rented out to tenants for $75/mo. Tenants benefit from 3 designated parking options: a private driveway in the back, a private side driveway and street parking. Please give 24 hours notice before viewing.

435 Benton Avenue, Excelsior Springs

Listing courtesy of Davida Connell of Journey Real Estate Group.

$529,950

3 Beds ⋅ 2 Baths

2148 Black Walnut Drive, Liberty

Listing courtesy of Jaimie Macoubrie of Weichert, Realtors Welch & Co..

$250,000

3 Beds ⋅ 3 Baths

Welcome home to this beautifully updated property in Maple Park Subdivision! This charming 3 bed, 3 bath home features recent updates throughout, offering a perfect blend of modern finishes and everyday functionality. With upgrades to the home and an inviting layout, this home is a must see. Recent Updates Include: • Updated kitchen • Updated bathrooms with modern fixtures • Updated lighting and hardware Appliances: All kitchen appliances will remain in the home in their current condition. Appliances to stay AS IS, with no warranties or repairs provided by the seller. Enjoy a great location in Kansas City, close to local amenities, shopping, and major highways. Schedule your showing today!

5807 NE Gunn Street, Kansas City

Listing courtesy of Taylor Klotz of Huck Homes.

$329,900

4 Beds ⋅ 2 Baths

Beautifully Renovated house, featuring 4 bedroom and 2 bathrooms, spacious split level floor plan with inviting and tastefully selected neutral colors throughout; garage level family room exits onto large patio, formal dining also exits onto large deck with new rails, great for additional outdoor gather space, primary bedroom also has a private outdoor balcony overlooking the large, fenced backyard! House sits on a corner lot, in a nice cul-de-sac, great location! 2 car garage, NEW Roof and gutters in 2026, NEW HVAC in 2025; Exterior siding freshly painted; Find peace of mind and move right into this wonderful home!

2103 NE 79th Terrace, Kansas City

Listing courtesy of Joe Ientile of KW Diamond Partners.

$499,900

5 Beds ⋅ 4.5 Baths

UNIQUE, UPDATED, SPANISH STYLE 1.5 story home on LARGE FENCED CORNER LOT!! OPEN CONCEPT ONE LEVEL LIVING features CHEF'S KITCHEN offering HUGE BUILT IN PANTRY, ISLAND, GORGEOUS CUSTOM CABINETRY, SOLID SURFACE COUNTERTOPS & more! The PRIMARY RETREAT is perfect for relaxing! OVERSIZED ENSUITE w/SITTING ROOM & LARGE WALK IN CLOSET! Primary bath features separate tub & shower, CUSTOM DOUBLE VANITIES & tile flooring! 2 spacious secondary bedrooms & full bath on upper level. FINISHED LL provides tons of room for guests & entertaining w/2 non-conforming bedrooms, full bath & rec room. Don't miss the SEPARATE 14x21 GUEST QUARTERS for family members needing a private place to stay or perfect for a HOME OFFICE! Relax in the UNIQUE COURTYARD! NEW HVAC! FANTASTIC LOCATION! HURRY!!

420 Crown Hill Road, Excelsior Springs

Listing courtesy of Randy Swope of Platinum Realty LLC.

$265,000

3 Beds ⋅ 1 Baths

Single-level ranch • Fenced backyard • Near Smithville Lake If you’re looking for a home that’s easy to settle into and close to everything Smithville has to offer, this one is worth a look. This 3-bedroom, 1-bath ranch keeps things simple with everything on one level and a comfortable layout that makes good use of the space. Outside, mature shade trees, brick accents and an attached 1-car garage give the home great curb appeal. The fenced backyard has plenty of room for the dog, a garden, a firepit or just a place to enjoy being outside, plus a storage shed for all the extras. One of the best things about this location is everything you have nearby. Downtown Smithville is just minutes away for local restaurants, coffee and shopping, and Smithville Lake is close by when you’re ready for boating, fishing, trails, parks or a day on the water. A complete roof replacement was completed in May 2025 and includes a limited warranty. New windows throughout. A comfortable home, a great backyard and Smithville Lake practically in your backyard — there’s a lot to like here.

505 Quincy Boulevard, Smithville

Listing courtesy of Michelle Sparks of Real Broker, LLC-MO.

$475,000

4 Beds ⋅ 3.5 Baths

Beautifully updated and exceptionally well maintained, this spacious home offers impressive finishes and generous living space throughout. The main level features refinished hardwood floors, extensive crown molding, updated lighting, and a beautifully remodeled kitchen with granite countertops, abundant cabinetry, and stainless-steel appliances. The primary suite is a true retreat, highlighted by a spectacular spa-like bath with an oversized walk-in glass shower featuring dual rain shower heads, beautiful tilework, built-in niches, a large jetted soaking tub, double vanity with granite countertops, and elegant lighting. The enormous 23-foot walk-in closet offers exceptional storage, plus additional attic access at the far end. The finished lower level provides even more room to relax or entertain with a wet bar featuring granite countertops, cabinetry, and a wine rack, along with a non-conforming fifth bedroom. Outside, enjoy an extra-large stamped concrete patio, fenced backyard, updated front steps, and attractive curb appeal. Beautifully maintained and move-in ready, this home offers a rare combination of space, style, and impressive updates throughout.

1005 Blueberry Lane, Liberty

Listing courtesy of Ron Henderson of Keller Williams KC North.

$469,900

4 Beds ⋅ 3 Baths

Some homes just feel good the moment you walk in—and 10706 N Tracy is one of them. Nestled in the established Staley Meadows neighborhood, this home is just 10 years young and has been lovingly cared for by a family who has truly made it their own over the past six years. Designed for both everyday life and entertaining, the open floor plan gives you the connection you want while still offering defined spaces for living and gathering. The spacious kitchen sits at the heart of the home, featuring a large center island and a rare walk-in pantry with room for everything. With 4 bedrooms, 3 full bathrooms and a 3-car garage, there's plenty of room to spread out. The finished lower level offers another comfortable place to gather, watch the game, host guests or simply relax, while the sub-basement provides fantastic storage and even more possibilities for additional living space. Step outside and enjoy a freshly stained deck overlooking the fenced backyard, along with a lower-level patio perfect for entertaining, grilling or unwinding at the end of the day. Fresh interior paint and new carpeting in high-traffic areas give the home an updated, move-in-ready feel. This is a home that has been lived in, loved and cared for—and it shows. With generous living spaces, abundant storage and a wonderful Staley Meadows setting, 10706 N Tracy is ready for its next chapter.

10706 N Tracy Avenue, Kansas City

Listing courtesy of Nicole Lonergan of Brookside Real Estate Co..

$259,000

3 Beds ⋅ 2 Baths

Welcome home to this charming, move-in ready split-level that has been beautifully updated inside and out. Situated on a spacious corner lot, this home offers fantastic curb appeal, a large backyard and a storage shed painted to perfectly match the home. Step inside to a warm and inviting living room that flows into a separate dining area and kitchen featuring granite counters, beautiful cabinets, NEW stainless fridge and a NEW stove was just recently installed. The upper level features three comfortable bedrooms, a gorgeous updated full bath, new carpet, new flooring and updated lighting throughout. Major mechanical updates include a new HVAC system for added comfort and peace of mind. The finished walk-out lower level offers additional living space with new flooring and a second full bathroom, making it ideal for a family room, home office or rec area. The finished sub-basement provides even more flexible space to fit your lifestyle and a one car garage. Step outside to enjoy the oversized backyard, complete with a large, freshly painted patio that's perfect for entertaining. With extensive updates, generous living space and a fantastic corner lot, this hone is ready for it's new owner to move right in and enjoy.

7801 NE San Rafael Drive, Kansas City

Listing courtesy of Leslie Hogan of BHG Kansas City Homes.

$225,000

3 Beds ⋅ 2 Baths

DON’T MISS OUT on this 3-bedroom, 2-bath tri-level home in North Kansas City Schools! Featuring beautiful original hardwood floors and a nicely remodeled upstairs bathroom. Enjoy a spacious backyard and a peaceful, quiet street with plenty of potential to make this home your own. Home is being sold AS IS, this property is a great opportunity for investors or buyers looking to build equity with some updates and improvements. PLEASE NOTE: The deck is unsafe and must not be accessed!

4508 NE 49th Terrace, Kansas City

Listing courtesy of Jill Zeil of Keller Williams KC North.

$259,000

3 Beds ⋅ 1.5 Baths

So much new in this raised ranch home! Newly installed engineered hardwood floors, new carpet on both levels, updated paint, new deck, new roof and gutters, updated hall bath and more! Granite completes the kitchen, and the large deck off the dining room expands the entertaining space to a whole new level. New vinyl plank flooring and carpet in the basement. Large two-car garage. Fenced backyard. Large corner lot with mature trees out front and a large variety of fruit trees in the backyard - peach, blackberry, strawberry, blueberry, and mulberry. Come see this one today!

800 NE 113th Terrace, Kansas City

Listing courtesy of Paul Sidwell of RE/MAX Revolution.

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