Clay County 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 County Homes with USDA Loan Financing

$215,000

2 Beds ⋅ 1 Baths

Move-in ready and low maintenance, this well-kept 2 bed, 1 bath ranch-style duplex offers easy, one-level living with no stairs to navigate. The exterior features vinyl siding painted brick, red shutters, and a front deck with spindle railing. Inside, the spacious living and dining area features wood-look luxury vinyl plank flooring, ceiling fans, and French doors leading to a side patio. The kitchen offers ample oak cabinetry, a tile backsplash, and a full black appliance package, including a side-by-side refrigerator, range, and dishwasher. The bathroom has been refreshed with a newer vanity, corner shower, decorative tin-style ceiling, and updated flooring. Both bedrooms have plush carpet, ceiling fans, and six-panel wood doors. A convenient hall laundry closet includes washer, dryer, and storage cabinets. HVAC is only 2 years old. Outside, enjoy the yard with a storage shed and a peaceful tree-lined backdrop. An attractive alternative to renting, with your own attached 1-car garage and room to make it yours. Schedule your showing today!

114 Basswood Court, Smithville

Listing courtesy of Jenni Bryan of ReeceNichols- Leawood Town Center.

$357,500

3 Beds ⋅ 3 Baths

Beautiful Well Maintained Open Concept Living & Move in Ready! Split Entry floor plan features 3 bedroom, 3 full bath, main level laundry, spacious 2 car oversized garage. Home features high vaulted ceilings in the main living area. The kitchen has a large island that seats 4 and plenty of room to fit a full-size dining table. For relaxation & fun have cook outs on the deck out through the sliding glass door off the dining area. Deck has been redone with a trex like decking material on the deck boards, so its low maintenace. Great flow in this wonderful home & plenty of space for entertaining or just relaxing with family and friends. Laundry room is on the main level in the hall. Primary bedroom, features coffered ceiling, attached primary bath with double vanity& hard surface counter tops, large shower & spacious 8x6 walk in closet. Home has thermal windows, storm doors, ceiling fans throughout & all windows have 2” wood faux blinds. 2 additional bedrooms & a hall bath all on the main living level. Downstairs features a finished basement with family room & a full bath with a shower. The basement walks out into a level backyard lots of room for all your outdoor activities. The 2 car oversized garage is big enough to hold all your hobbies, toys & much more. Come take a look to see what all this home has to offer you & make it you own.

920 E 8th St Circle, Kearney

Listing courtesy of Michelle Harrington of RE/MAX Advantage.

$220,000

3 Beds ⋅ 1 Baths

Welcome home to this charming ranch, freshly remodeled and ready for you to move right in. Gleaming hardwood floors flow through the bright, open living spaces, and the single-level layout makes everyday living easy. Thoughtful updates throughout pair modern comfort with classic character, from the inviting living room to the refreshed kitchen and baths. Step outside to enjoy the yard, perfect for relaxing or entertaining. Homes this move-in ready don’t last long, so schedule your showing today!

4429 NE Winn Road, Kansas City

Listing courtesy of Jimmie Hughes of ReeceNichols - Lees Summit.

$225,000

2 Beds ⋅ 1 Baths

Cottage charm, fresh finishes, and a place to settle right in! Fully renovated inside and out, this inviting two-bedroom bungalow pairs classic character with the comfort of turnkey living. A natural wood entry and gabled canopy create a welcoming first impression, framed by landscaped beds and mature shade trees. Inside, sunlight fills the living room, while warm wood-look flooring, soft neutral tones, and crisp white trim bring a cohesive feel throughout the main living spaces and bedrooms. An arched hallway opening preserves the bungalow’s personality, and the easy connection between the living room, dining area, and kitchen keeps everyday living comfortable. The refreshed kitchen features white Shaker-style cabinetry, contrasting black hardware, a decorative tile backsplash, marble-look countertops, and a stainless-finish range and dishwasher. The beautifully renovated bathroom offers a spacious tiled walk-in shower with sliding glass doors, black accents, a glass-block window, and convenient open shelving. Step onto the rear deck for morning coffee beneath the trees or an evening meal overlooking the backyard. An attached one-car garage adds everyday convenience, while the full unfinished walkout basement provides room for storage, hobbies, or a workshop. From the welcoming front entry to the shaded outdoor setting, this thoughtfully renewed cottage is ready for you to unpack, get comfortable, and make it your own.

204 Westview Place, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.

$369,900

4 Beds ⋅ 2.5 Baths

Lovingly maintained, thoughtfully designed, and full of features that set it apart, 1718 Aspen Lane is more than just a house, it's a place to call home. Tucked away on a quiet cul-de-sac street in a small neighborhood, this beautifully maintained 4-bedroom, 2.5-bath home has been lovingly cared for by the same owner for 28 years and is ready for its next chapter! From the moment you step inside, you'll appreciate the unique layout, inviting spaces, and attention to detail throughout. The stunning kitchen features beautiful hardwood floors, while newer carpeting adds warmth and comfort throughout the home. But the true showstopper is the expansive primary suite, a retreat all its own, featuring a cozy fireplace positioned near the jetted soaking tub, creating the perfect place to relax and unwind. Step outside to discover a spacious, fully fenced backyard with no neighbors directly behind you, offering a wonderful setting for entertaining, relaxing, or simply enjoying the outdoors. With a roof that's just 5 years old and HVAC only 6 years old, this home offers the added appeal of major updates already completed. Opportunities like this are few and far between. Come experience everything this special property has to offer!

1718 Aspen Lane, Excelsior Springs

Listing courtesy of Meranda Lefebvre of ReeceNichols-KCN.

$593,500

5 Beds ⋅ 4.5 Baths

Enjoy lake living w/ thoughtful updates throughout! Located w/ in highly sought-after Smithville schools, this home in a quiet cul-de-sac is walking distance to Smithville Lake, miles of trails & a golf cart ride to Paradise Pointe Golf Course! Spend your days enjoying the lake, hitting the golf course, or relaxing poolside at the community pool—all just steps from your front door! Major improvements include a new Titan Class 3 impact-rated roof, gutters, & fresh professionally installed Sherwin-Williams Emerald exterior paint. A high efficiency Goodman AC & heat pump installed in 2024 & a tankless water heater adds comfort & efficiency. The kitchen features granite countertops, custom tile backsplash & cabinetry, a spacious hidden walk in pantry, & updated appliances. All bathrooms feature tile updates, including a massive primary bathroom w/ tiled floors, walls, large jacuzzi style tub, & updated shower. The fireplace creates a cozy gathering spot, overlooking your open main floor w/ vaulted ceilings. Step outside to a landscaped backyard featuring a waterfall, covered back porch, & concrete patio—an inviting setting for morning coffee, outdoor dining, or unwinding after a day at the lake. A sidewalk connects the patio to the driveway, while a privacy fence & front & back irrigation round out the outdoor features. A buried 500 Gallon Propane tank added to not take away from the beautiful backyard. Basement was fully remodeled in 2024, adding a bedroom, kitchenette w/ a full-size refrigerator, microwave, new flooring, carpeting, & fresh paint. This versatile space offers room for guests, entertaining, movie nights, or everyday living. Upstairs bedrooms also received new carpet in 2024. From the refreshed exterior & updated mechanicals to the remodeled basement & inviting outdoor spaces, this property brings together substantial improvements & flexible living areas. Enjoy room to gather, relax, & convenient access to the recreation that makes this location special!

1703 NE 181st Terrace, Smithville

Listing courtesy of Gage Berry of Platinum Realty LLC.

$210,000

3 Beds ⋅ 1 Baths

Welcome to 5149 N Palmer Ave, a well-maintained 3-bedroom, 1-bathroom single-family residence featuring approximately 1,536 square feet of living space. This light-filled layout includes standard kitchen, hardwood flooring, an expansive screened-in porch, an attached garage, and a spacious grassy backyard setting. Information deemed reliable but not guaranteed; buyer or buyer's agent to verify all measurements, square footage, fees, and property details.

5149 N Palmer Avenue, Kansas City

Listing courtesy of Michael Zouglas of REO Xpress LLC.

$174,900

4 Beds ⋅ 2.5 Baths

Looking for a spacious 4-bedroom home in Excelsior Springs under $175,000? Offered at $174,900, 701 Isley Blvd combines an expanded, open feel with extensive renovations and a convenient location near historic downtown. A sunroom entry welcomes you into a generous main-level footprint, where sellers have opened up the floor plan and updated sheetrock, paint and flooring. Two bedrooms on the main level and two upstairs offer flexibility for sleeping space, a home office or hobbies. The home features 1 full bath and 2 half baths, plus main-level laundry conveniently located off the back-door mudroom. Brand-new exterior paint and brand-new, never-used air-conditioning unit add to the recent improvements. Enjoy a back deck, fenced yard and carport, with room to relax outdoors. Close to Dari B, Lovers Lane walking trail and Pyburn Park, and within walking distance of downtown Excelsior Springs shops, dining and community events. If more room, thoughtful updates and a location connected to local favorites are on your wish list, this home is worth a look!

701 Isley Boulevard, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.

$390,000

5 Beds ⋅ 4.5 Baths

Freshly renovated and ready to welcome you home, this spacious 5-bedroom, 4.5-bath property offers plenty of room to gather, entertain, and unwind. Set back from the road for added privacy, the home features a circular driveway that creates a welcoming approach and provides convenient access for guests. Inside, generous space allows you to host family and friends while enjoying the comfort of everyday living. Outside, the backyard offers an oasis ready for your vision—from garden retreats and outdoor dining to spaces for relaxing or entertaining. An additional detached building with electrical service adds versatility, while a separate shed provides convenient storage. Located within the North Kansas City School District and served by Oak Park High School, this Northland home offers convenient access to shopping, dining, and everyday essentials in the surrounding Gladstone area. Nearby Penguin Park adds opportunities for outdoor recreation, bringing even more to enjoy beyond your own backyard. Discover a refreshed home with space to spread out, a convenient location, and outdoor possibilities to make your own.

3101 56th Terrace, Kansas City

Listing courtesy of Reis Wallace of United Real Estate Kansas City.

$599,999

3 Beds ⋅ 2 Baths

Welcome to the Arthur Plan by Herman Design+Build, a thoughtfully designed 3-bedroom, 2-bath ranch in Kearney, Missouri, where timeless Craftsman style meets quality construction and modern functionality. Located in an area served by top-rated schools, this home offers a comfortable layout and carefully considered details throughout. Natural light fills the living spaces, creating a bright, inviting atmosphere, while upgraded trim adds character and a polished finish. The spacious front porch and rear patio provide welcoming outdoor spaces to enjoy, and the oversized garage offers extra room along with utility sink hookups for added convenience. Built with quality and everyday livability in mind, this home features BIBS insulation for added comfort and energy efficiency, along with lever-style door handles and fixtures selected with accessibility and aging in place in mind. Every detail reflects the thoughtful planning and craftsmanship that set Herman Design+Build apart. Photos depict a previously built home and are for illustrative purposes only. Features, finishes, and specifications may vary from the current build. All information, included features, and specifications should be verified directly with the builder.

2309 Larkspur Lane, Kearney

Listing courtesy of Nelson Home Group of Keller Williams KC North.

$324,900

3 Beds ⋅ 2.5 Baths

WELCOME HOME to 616 Patrick Drive! Nestled on a quiet cul-de-sac in the West Springs neighborhood, this ranch home is ready for its new owners. Fresh neutral paint throughout the main level, gleaming refinished HARDWOODS, and new carpet on the lower level mean this home is move-in ready. From the moment you step inside, you are greeted with a beautiful vaulted ceiling and fireplace as the focal point. Daily activities are easier with thoughtful interior features, including a pantry for convenient storage, a walk-in closet in the primary bedroom, plentiful storage throughout, and a large finished family room on the lower level with a bathroom. The kitchen/dining combo opens to a nice deck which overlooks the backyard and pool. The single-story layout features a spacious semi-open living room/dining room/kitchen. The spacious primary bedroom showcases a lovely tray ceiling. The space feels open and airy, and includes a sunny primary bathroom, and a walk-in closet. Two additional bedrooms, a full bathroom, and laundry space complete the main level, providing an accessible and comfortable floor plan. Outside, you will spend warmer days enjoying the large pool with tiered decking. This is sure to be a popular gathering spot with friends and family. Close to schools and shopping, come take a look and see all that this lovely home has to offer!

616 Patrick Drive, Excelsior Springs

Listing courtesy of Connie Stark of MO-KAN Veteran Realty LLC.

$185,000

2 Beds ⋅ 1 Baths

The classic design of a one-story single-family home establishes a warm and inviting presence at 547 Orchard Pl, situated on a cul-de-sac. Fresh exterior paint, a new roof, a new sidewalk, and a new concrete porch enhance the exterior, while new windows have been installed throughout the residence. This property offers 826 square feet of living area on a 0.43-acre lot. Inside, the serene living space features two bedrooms, one full bathroom, new flooring, and fresh paint. Comfort is maintained year-round with a new HVAC system. The interior is updated with new fixtures and lighting throughout, and the full bathroom features a new bath vanity. The kitchen is equipped with an electric range/oven and updated with new cabinets, an island, new sink, and new counters. This space is designed for daily cooking and gathering. Outdoor living is centered around a large yard of 18,730 square feet, which features a freshly seeded front yard, offering a setting for recreation in the tranquil Excelsior Springs community. Schedule a private tour today to experience this updated property in person.

547 Orchard Place, Excelsior Springs

Listing courtesy of Melinda Humphrey of RE/MAX Area Real Estate.

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Clay County Homes with USDA Loan Financing

Newest Clay County Homes with USDA Loan Financing

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