Clay Homes with USDA Loan Financing

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

$920,000
READY TO BUILD YOUR DREAM HOME! BRING YOUR OWN BUILDER TO THIS BEAUTIFUL 9.77 ACRES OF LAND OR A DEVELOPMENT TO SINGLE FAMILY HOMES, ALSO FIRST RIGHTS TO THE OTHER 25 ACRES ON PROPERTY. There is currently an income-producing lease on the property that could be continued if desired by buyer.

NE 108th Street, Kansas City

Listing courtesy of Connie Balano of ReeceNichols-KCN.
$605,000
4 Beds ⋅ 3.5 Baths
Enjoy peaceful country living on 4.7 beautiful acres in Holt, Missouri, located in the Kearney School District! This spacious 2,400 sq. ft. home offers 4 bedrooms and 3.5 bathrooms with an inviting open floor plan and plenty of room to spread out. The finished walkout basement features a private master suite, creating a comfortable retreat with convenient access to the outdoors. A huge laundry room provides plenty of additional space for storage and organization. Outside, this property has so much to offer. Take in the beautiful country views, relax or fish at your own stocked pond, and enjoy the versatility of two outbuildings with room for equipment, storage, hobbies, or a workshop. There’s even a dedicated camping area with a concrete RV pad, perfect for visiting friends and family, weekend getaways, or potentially creating a unique short-term rental/Airbnb opportunity subject to local regulations and approvals. With nearly 5 acres, a stocked pond, two outbuildings, RV accommodations, and a finished walkout basement, this property offers a hard-to-find combination of space, privacy, versatility, and country living while still providing convenient access to Kearney and the surrounding area.

17524 Georgetown Road, Holt

Listing courtesy of Brad Whitford of HomeSmart Legacy.
$199,900
2 Beds ⋅ 1 Baths
Tucked away on a large, fully fenced lot, this cozy cottage is full of charm and personality! Located on the west side of town in a quiet setting, this home offers a wonderful sense of privacy while still being conveniently located. The inviting living room features a fireplace, and the updated kitchen shows really well. The main level also offers full bath, one bedroom along with a convenient laundry/mudroom. Upstairs, you’ll find a spacious loft area plus an additional bedroom, creating incredible flexibility for a private primary suite, kids’ bedroom and playroom, home office, or guest space. Outside, enjoy the newer deck, fire pit, and plenty of room to relax, entertain, garden, or let the pets play. With its tucked-away setting, generous lot, and versatile living spaces, this home has a warm, comfortable feel from the moment you arrive.

20 Schwartz Avenue, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$825,000
4 Beds ⋅ 3 Baths
There’s having room to spread out, and then there’s this. Set on 6.73 peaceful acres and minutes from Smithville Lake, this updated ranch offers the kind of setting that changes the rhythm of everyday life. Mornings begin with sunlight pouring through the kitchen windows and coffee on the patio overlooking the pasture. Evenings bring open skies, killer sunsets, and stars you can actually see. Inside, refreshingly oversized rooms make everyday living feel wonderfully uncrowded. Exposed beams and a floor-to-ceiling stone fireplace draw your eye upward in the vaulted great room, while the spacious kitchen brings everyone together around granite countertops, abundant cabinetry, and a large island. The primary suite includes an updated bath and a private door to the back patio. Practical space is equally abundant, thanks to a huge 1000+ square feet 3-car garage with room for vehicles, tools, and projects. Downstairs feels like an extension of the home rather than an afterthought. A 2nd fireplace anchors the enormous recreation room, joined by a full bath, nonconforming 5th bedroom, and brand-new luxury vinyl plank flooring. What else? A 1 year old roof with a transferrable 10 year warranty, and a 4 year old HVAC system. The 40x40 foot barn adds even more possibility. Its finished 1475 square foot gathering space has a 1/2 bath and has hosted holiday dinners, birthday parties, wine-and-paint nights, and workouts. The separate barn storage area could easily be converted into horse stalls if horse life is your thing! Outside, every season brings something new. The tree-lined property becomes a showpiece in fall. Spring brings back established irises, tiger lilies, peonies, and hostas. A pear tree produces fresh fruit, while the vegetable garden has yielded pumpkins, spaghetti squash, and tomatoes. Beyond the garden, grass rolls across the pasture toward a shared pond. It’s a place to breathe, grow things, gather people, and build a life that feels less rushed.

16413 Quinn Road, Smithville

Listing courtesy of Kiley Willis of Real Broker, LLC.
$724,000
4 Beds ⋅ 3.5 Baths
PRICE CHANGED $25,000! Welcome home to 14014 — a stunning custom estate on 3.65 +/- acres at the end of a quiet cul-de-sac, backing to open pasture for ultimate privacy. This impressive 1.5 story greets you with dramatic curb appeal, a maintenance free vinyl and stucco exterior with maintenance-free vinyl siding, and a covered front porch. Step inside to soaring vaulted and cathedral ceilings, an open two-story living room with a wood-burning fireplace, and abundant natural light through arched Pella replacement windows throughout. Rich wood columns, solid wood doors, and custom millwork carry through the main living areas, including a formal dining room and a spacious kitchen featuring granite counters, a new tile backsplash, a large center island, and abundant cabinetry. Retreat to a first floor oversized primary suite boasting three closets and a spa-like en-suite bath with a jetted soaking tub, dual vanities, and serene backyard views. Additional bedrooms are generously sized, with flexible space for a possible 5th and 6th bedroom, each with closets already in place. The finished walkout basement is an entertainer's dream, complete with a large family/rec room with built-in cabinetry, a home gym, a 6-person sauna, and abundant storage. Outside, escape to your private backyard oasis featuring a sparkling in-ground pool with slide and diving board, a spacious deck perfect for entertaining, and beautifully landscaped grounds — all secured by a buried invisible dog fence. This home is loaded with high-value upgrades including geothermal HVAC, instant hot water throughout, two 40-gallon electric water heaters, a central vac system, and a water softener. The oversized garage features a suspended floor for exceptional storage, and the concrete driveway and pool decking complete this move-in-ready package. A rare combination of acreage, privacy, and thoughtful upgrades — this one has it all. Sale subject to a lot line change to be recorded after 10/6/2026.

14014 Zachery Drive, Liberty

Listing courtesy of Chip Glennon of EXP Realty LLC.
$449,000
4 Beds ⋅ 3 Baths
Contact the listing agent for details on builder incentives and financing options. Welcome to your dream home in the sought-after Salem Estates Development, built by Paradise Home Builders. This customized Stratford Split Entry plan provides more than 2,000 square feet of finished living space, with views of the scenic and active Lawson Golf Course—offering a great mix of comfort, luxury, and everyday practicality. Step inside to a main level highlighted by vaulted ceilings, a cozy gas fireplace, and an open-concept design that connects the living room, dining area, and a spacious kitchen. The kitchen includes an impressive walk-in pantry, a versatile multi-purpose nook, and access to a covered deck—perfect for relaxing or hosting outdoors. The owner’s suite is set in its own private wing, featuring vaulted ceilings, a large walk-in closet, and a spa-like ensuite bath with dual vanities and a walk-in shower with a built-in bench. You’ll also find two additional well-sized bedrooms, a second full bathroom, and a conveniently located laundry room on the main floor. The finished lower level adds even more space, with a large family/recreation room, a fourth bedroom, a third full bathroom, and easy access to the garage. Schedule a tour or book a design consultation today to see everything this new construction home has to offer.

463 Green Drive, Lawson

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
$380,000
3 Beds ⋅ 2.5 Baths
Pride of ownership shines in every corner of this meticulously maintained home. Situated on a spacious corner lot, this property is the definition of "turn-key." From the 2 year old roof to the newer HVAC and massive 75-gallon water heater, the heavy lifting has already been done for you. Inside, this atrium splits offers plenty of open space and a sun-filled eat-in kitchen featuring a new dishwasher and disposal. Step outside with a stunning new 11x12 deck—complete with a dedicated custom cubby for your grill or griddle—overlooking a large, newly fenced backyard. It is the perfect setup for summer BBQs and quiet mornings alike. With durable steel siding and a prime location, this home is ready for its next chapter. Seller has had a pre-sale whole house inspection completed and is available for review when home is toured.

1104 Regency Drive, Kearney

Listing courtesy of David Williams of Platinum Realty LLC.
$275,500
3 Beds ⋅ 2 Baths
COMING SOON!! Location, space, and a home that has been well cared for—this Northland ranch checks all the right boxes! Situated in the North Kansas City School District, this 3-bedroom, 2-full-bath home offers comfortable main-level living along with a full basement providing plenty of room for additional living space, storage, hobbies, or future finishing. The main level features hardwood flooring, a spacious kitchen and dining combination that creates a great gathering space, and a practical layout designed for everyday living. The primary bedroom includes a private full bathroom for added convenience. A new roof in 2020 and new HVAC in 2025 provide added peace of mind. Step outside to the covered porch overlooking the large backyard, offering a great spot to relax, entertain, or enjoy the outdoors with family and friends. The location is hard to beat! Conveniently situated close to North Kansas City Hospital and just minutes from Downtown Kansas City, North Kansas City, and the Zona Rosa area, with easy access to shopping, dining, entertainment, and everyday amenities. You won't want to miss this well-maintained home with a functional layout, valuable basement space, and an excellent Northland location—come see all this home has to offer. Call to schedule a showing with me, or call your favorite agent before it is too late!

2623 Vernon Street, North Kansas City

Listing courtesy of Cheri Hudson Landwehr of RE/MAX Central.
$535,000
4 Beds ⋅ 3 Baths
Nestled on 3.24 acres between Excelsior Springs, Kearney, and Liberty, this spacious home offers peaceful country living with convenient access to town. The bright and airy open floor plan features an abundance of windows that fill the home with natural light and frame beautiful scenic views. The elevated loft kitchen overlooks the spacious great room, creating an open, inviting flow for everyday living and entertaining. A private primary suite occupies its own dedicated level, complete with an oversized primary bath and generous walk-in closet. Main-floor laundry adds everyday convenience, while the sub-basement provides excellent additional storage. The fully finished walkout lower level is ideal for a second living space, guest area, or potential in-law suite, featuring a comfortable family room, fourth bedroom, and full bathroom with direct access to a covered patio. Outside, the property is fully set up for outdoor living, hobbies, or homesteading. A 16x24 pole barn is wired with electricity and offers flexible space for a workshop, equipment, storage, or livestock, with access to a grazing field. Closer to the home, a 5x15 dual-purpose, four-door storage shed and chicken coop comes equipped with a solar-powered automatic coop door, roosting bars, and nesting boxes. The spacious fenced backyard features mature shade trees with beautiful fall color, while established apple, mulberry, and persimmon trees offer seasonal fruit and add to the property’s homestead charm. An outdoor firepit creates the perfect spot for gathering under the stars on cool evenings. Enjoy the space, privacy, and peaceful setting of country living without sacrificing the conveniences of town! With grocery stores & everyday shopping just five minutes away, Liberty 15 minutes away, and downtown Kansas City only 30 minutes from home, convenience is always within easy reach. Properties offering this combination of acreage, versatility, peaceful country living & proximity to town

14113 Cameron Road, Excelsior Springs

Listing courtesy of Eddie Davis of Orenda Real Estate Services.
$269,950
3 Beds ⋅ 2 Baths
If garage space and a big yard are high on your wish list, this one delivers! This 3 bedroom, 2 bath home offers approximately 1,456 finished square feet, including a finished lower level with flexible living space. Inside, you’ll find a bright kitchen with wood cabinetry and stainless steel appliances, a spacious living room with a bay window, and plenty of storage throughout. Outside, the .45 acre lot features mature trees, a large multi level deck with built in seating, an attached two car garage, and a separate two car detached garage, perfect for vehicles, hobbies, tools, or a workshop. Located in the Excelsior Springs School District with no HOA. Seller will make no repairs. Selling AS IS. Please include the In its preseent condition with your offer. Square footage, room count/sizes, property tax, school, and HOA information are approximate. Buyer/Buyer’s Agent to verify.

1207 Saint Paul Avenue, Excelsior Springs

Listing courtesy of Rustin Dowd of KW Diamond Partners.
$575,000
4 Beds ⋅ 3 Baths
Pool season isn't over yet! Just minutes from Smithville Lake, this beautifully maintained home offers a heated saltwater pool, two levels of screened-in outdoor living, and a bright, open interior with beautiful hardwood flooring. The heated in-ground pool was converted to saltwater in 2024, with a heater that extends the season well beyond summer. Enjoy fountains, a color-changing light, new Polaris cleaner, and new variable-speed pool pump installed in April 2026. Overlooking the pool and backyard is a two-level screened-in porch, perfect for dining, relaxing, and enjoying the surrounding wildlife. Both levels feature thicker screening for added comfort and privacy. Stone accents, wood-look garage doors, and permanent JellyFish outdoor lighting create great curb appeal. The treed yard is fenced, with fencing added in 2023, plus irrigation and whole-house water filtration. A new roof was added in 2025, along with new gutters, downspouts, and screens as needed. Inside, natural light, detailed woodwork, and hardwood floors carry throughout the open layout. Existing hardwoods were refinished in 2023, with additional hardwood added in the living room, hallway, primary bedroom, front bedroom, stairs, and landing. The spacious living room features a striking fireplace with floor-to-ceiling wood detailing and flows into the kitchen and dining areas. The kitchen includes appliances added in 2024 and an impressive walk-in pantry. The primary suite offers a jetted tub and separate walk-in shower. Additional features include keyless entry, EV hookup, spacious 3-car garage, neighborhood walking trail and pond. With Smithville Lake nearby for boating, fishing, trails, and recreation, there's plenty to enjoy at home and just minutes away!

2004 NE 197th Court, Smithville

Listing courtesy of Curtis Roe of Keller Williams KC North.
$320,000
3 Beds ⋅ 2 Baths
Welcome to this well-maintained 3-bedroom, 2-bath home in Kansas City's desirable Lakeside Heights neighborhood, offering 1,668 total finished square feet across two levels. The main floor features a comfortable, functional layout, while the finished basement adds valuable extra living space — perfect for a family room, home office, or guest area. Cozy up by the fireplace on cooler evenings, and enjoy year-round comfort with central air conditioning. Outside, the generous 0.35-acre lot (100' x 150') provides plenty of room to relax or entertain, and the 2-car garage offers convenient parking and storage. Ideally situated near Anne Garner Park and just off NE Cookingham Drive, this home combines everyday comfort with an unbeatable location.

1607 NE 114 Street, Kansas City

Listing courtesy of Luis Matos of Weichert, Realtors Welch & Co..
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