Clay County Homes with VA Loan Financing

Welcome to Clay County, located in the state of Missouri! This charming county is known for its picturesque landscapes, friendly communities, and rich history. With a mix of urban amenities and natural beauty, Clay County offers a diverse range of attractions and activities for residents and visitors alike.

If you're looking to purchase a home in Clay County, you'll be pleased to know that there are plenty of options available, including homes eligible for VA loan financing. VA loans are a great option for veterans, active-duty service members, and eligible spouses, offering competitive interest rates and no down payment requirement. Whether you're a first-time homebuyer or looking to refinance, VA loan financing can make homeownership more accessible and affordable.

From cozy bungalows to spacious family homes, Clay County has a variety of properties that qualify for VA loan financing. With the support of a knowledgeable real estate agent and lender experienced in VA loans, you can navigate the homebuying process with confidence and ease. Take advantage of this opportunity to find your dream home in Clay County and enjoy all that this vibrant community has to offer.

Newest Clay County Homes with VA Loan Financing

$375,000

3 Beds ⋅ 2.5 Baths

A backyard you'll fall in love with. Natural light throughout. TWO fireplaces. And a neighborhood with a true sense of community. Welcome to a home that offers so much more than just beautiful living spaces! Let's start with the backyard because it's one of the very reasons the current owners have loved calling this place home. Beautiful landscaping, natural stone retaining walls, spacious deck, covered patio & a fully fenced yard create an outdoor space that feels cozy & private. Whether you're enjoying your morning coffee, hosting friends or simply relaxing after a long day, this backyard is something special! Step inside & you'll immediately appreciate all the natural light pouring through the windows! The main living room features beautiful hardwood floors, vaulted ceilings & a brick fireplace that creates such a warm & welcoming space. Off the living room, the kitchen offers beautiful cabinetry, granite countertops, a stylish herringbone tile backsplash, stainless steel appliances & a dining area surrounded by windows with access to the deck. The primary suite is a retreat of its own, featuring a beautiful tray ceiling, spacious bedroom & private bath with double vanities, a jetted soaking tub & separate tiled shower. Two additional bedrooms & a full bathroom complete the main level. Head downstairs & you'll discover even MORE living space! A spacious family room with a SECOND fireplace, custom built-ins & plenty of room to spread out. Movie nights, game days, entertaining or simply having a second place to relax, the possibilities are endless! You'll also love the convenient built-in drop zone with bench seating & storage. Fresh exterior paint gives this home a beautiful first impression, while the neighborhood offers an incredible sense of community with an active HOA & neighborhood activities that bring neighbors together. Beautiful spaces inside & out, a backyard you'll never want to leave & a community you'll love being part of. Welcome HOME!

4704 NE 103rd Terrace, Kansas City

Listing courtesy of Michelle Cook of Keller Williams KC North.

$250,000

3 Beds ⋅ 2.5 Baths

The updates you want, the space you need, and a backyard you'll love! This inviting 3-bedroom, 2.5-bath raised ranch checks all the boxes with an updated kitchen and bathrooms, newer flooring, a roof approximately 3 years old, and HVAC replaced in 2020. Add in a 2-car garage and basement laundry, and you've got a home that blends comfort, style, and practicality. Step outside to a spacious deck overlooking the fenced backyard, perfect for entertaining, grilling, or unwinding at the end of the day. Big updates, great outdoor space, and plenty to love—come see for yourself!

614 Kountry Lane, Excelsior Springs

Listing courtesy of Helen Scarfino of ReeceNichols-KCN.

$430,000

3 Beds ⋅ 3 Baths

RARE RANCH HOME WITH A PRIVATE BACKYARD OASIS IN LIBERTY! Beautifully maintained and tastefully updated, this ONE-OWNER home offers convenient main-level living, over 2,300 square feet of finished space, and a peaceful cul-de-sac setting! Featuring 3 bedrooms, 3 full bathrooms, and a non-conforming 4th bedroom, this move-in-ready home has so much to offer! Step inside to find gorgeous reclaimed wood flooring throughout much of the main level, neutral finishes, and new bedroom carpet. The inviting living room features vaulted ceilings, an oversized modern ceiling fan, and cozy gas fireplace, opening seamlessly to the kitchen with stainless steel appliances and TWO pantries! ALL NEW energy-efficient windows and a NEW sliding patio door are wonderful upgrades! The primary suite is a true retreat, showcasing a beautifully updated bathroom with double vanities, HEATED FLOORS, and an oversized walk-in shower with THREE shower heads and stunning finishes! Main-level laundry adds everyday convenience. THE BACKYARD IS A SHOWSTOPPER! Enjoy your own PRIVATE outdoor oasis with a level, fully fenced yard backing to a peaceful, secluded setting! The oversized patio, beautiful pergola, and wood-burning outdoor fireplace create the perfect atmosphere for entertaining or relaxing in complete privacy. Full-yard irrigation adds convenience! The finished lower level offers incredible versatility with a second living room, WET BAR, recreation area, private office with French doors, non-conforming bedroom, full bathroom, SECOND laundry area, and additional storage! Garage features built-in cabinetry and exterior access. Roof approximately 9 years old, HVAC 7 years, and water heater 6 years. Located in LIBERTY PUBLIC SCHOOLS, just minutes from Liberty Hospital, parks, gyms, shopping, and dining! A rare combination of ranch-style living, thoughtful updates, flexible living space, and an EXCEPTIONALLY PRIVATE BACKYARD! WELCOME HOME!

1907 Loughrey Street, Liberty

Listing courtesy of Amanda Crossley of RE/MAX Innovations.

$350,000

3 Beds ⋅ 2.5 Baths

Welcome home to this reverse 1.5-story home on a desirable corner lot! The main level features an inviting open layout with vaulted ceilings, a cozy fireplace, and charming display nooks in the living room. The kitchen offers all appliances and abundant cabinet space. Wood floors in the kitchen and dining area. The dining area provides easy access to the deck, perfect for outdoor enjoyment. The main-level primary bedroom features newer carpet, coffered ceiling, a walk-in closet, and a private bath with double vanities, a jetted tub, and separate shower. Convenient main-level laundry adds to the ease of everyday living. The walkout lower level offers a family room, two additional bedrooms, and a full bath, with access to the patio. You'll also appreciate two additional storage rooms for all your extras! Numerous updates include a new roof and gutters in 2024, plus a new air conditioner and water heater in 2026. The spacious two-car garage features an automatic opener and keypad entry. Conveniently located with easy access to I-435 and Cookingham Road, this home offers comfortable living, functional space, and a great location!

6228 NE 120th Street, Kansas City

Listing courtesy of Sherri Cole of ReeceNichols-KCN.

$175,000

2 Beds ⋅ 1 Baths

A fresh look, BIG-TICKET updates & a little extra room for your hobbies! Welcome to this charming 2-bedroom, 1-bath home situated on a LARGE corner lot with mature trees & plenty of outdoor space to enjoy! Step inside to find a light-filled living room with updated flooring, neutral colors & a fresh, inviting feel throughout. The kitchen is full of personality with soft green cabinetry, white countertops, subway tile backsplash, floating wood shelves & stainless steel appliances. Both bedrooms offer great natural light, while the updated bathroom features a beautiful tiled tub/shower surround, updated vanity & black fixtures. And let's talk about those BIG-TICKET improvements! A NEW ROOF, plus HVAC & water heater replaced within the last 5 years! The mud/laundry room gives convenient access to the outdoors. Outside, you'll find a spacious corner lot surrounded by mature trees, a welcoming front deck & plenty of room to enjoy the outdoors. And don't overlook the detached garage! With a separate section dedicated to workshop space, there's room for projects, hobbies, storage or whatever you've been needing a little extra space for! Updated, inviting & full of possibilities! This one has so much to offer!

5522 N Bennington Avenue, Kansas City

Listing courtesy of Michelle Cook of Keller Williams KC North.

$714,674

3 Beds ⋅ 2 Baths

TRUE RANCH by Syler Homes - Welcome to the Dutton 2 - main level living that checks all the boxes! Call the listing agent today for more information!

10626 Home Avenue, Kansas City

Listing courtesy of Martha Cromwell of The Real Estate Store LLC.

$499,450

3 Beds ⋅ 2.5 Baths

**$10,000 Buyer Incentive! Rate buy-down, Price reduction, Appliances, Window Coverings - What works best for you?! ** Move-in ready and designed for the way you actually live—Welcome to The Monroe, a detached, villa that delivers the ease of maintenance-provided living without sacrificing space or style. This thoughtfully crafted ranch layout offers true main-level living with over 2,000 square feet, where natural flow and functionality take center stage. The heart of the home is a bright, open-concept kitchen and living area—perfect for everything from quiet mornings to hosting friends and family. The kitchen is both beautiful and practical, featuring quartz countertops, abundant cabinetry, a walk-in pantry, and a gas range that makes everyday cooking feel elevated. The private primary suite is tucked away for comfort, offering a spacious retreat with a well-designed ensuite bath focused on both relaxation and accessibility. On the opposite side of the home, two secondary bedrooms are connected by a Jack-and-Jill bath, creating an ideal setup for guests, hobbies, or a home office—without compromising privacy. A separate half bath ensures convenience for guests. Everyday living is simplified with an oversized laundry room complete with built-ins, quartz surfaces, and a utility sink. Wide 36” doorways throughout enhance accessibility and long-term livability—because smart design never goes out of style. Step outside to a covered patio overlooking community green space—perfect for morning coffee, evening unwinding, or simply enjoying a low-maintenance lifestyle. And when you’re ready for more, the expansive unfinished basement offers endless potential for future living space, storage, or customization. With lawn care and snow removal handled by the HOA, this is truly lock-and-leave living at its best! Monthly HOA is $190 with additional annual fee of $400. The Monroe delivers what today’s buyers want most! Taxes, sq footage, room & lot sizes are approximate.

10101 N Oakland Avenue, Kansas City

Listing courtesy of Sandy Maag of ReeceNichols-KCN.

$479,900

4 Beds ⋅ 3 Baths

Discover the perfect blend of elegance, comfort, and peaceful surroundings in this beautiful 4-bedroom, 3-bath California split home! From the moment you step inside, you'll be captivated by the grand feeling of the great room featuring soaring vaulted ceilings, a cozy electric fireplace, and a stunning wall of windows that fills the space with natural light. The inviting eat-in kitchen is thoughtfully appointed with stainless steel appliances and gorgeous granite countertops. The spacious primary suite offers an elegant retreat with double-door entry, a private attached bath, and a walk-in closet. A versatile bonus room provides the perfect space for a home office or additional sitting area. The finished basement expands your living and entertaining options with a generous recreation room and an oversized storage room. Step outside and enjoy two separate patio seating areas, each featuring its own pergola, creating wonderful spaces to relax or entertain. Tucked away on a quiet cul-de-sac, this home offers the best of both worlds—conveniently located within Smithville city limits while surrounded by the peaceful beauty of the countryside. Plus, enjoy access to the neighborhood HOA swimming pool! This is a wonderful opportunity to enjoy spacious living, thoughtful details, and a setting you'll love coming home to!

608 Horseshoe Lane, Smithville

Listing courtesy of JAYME MARRIOTT of The St.Joe Real Estate Group,.

$359,000

4 Beds ⋅ 3 Baths

Welcome home to this spacious 4-bedroom, 3-bathroom home with a newer roof and updated flooring! Step inside to find a welcoming great room featuring vaulted ceilings and a beautiful brick fireplace, creating the perfect space to relax or entertain. The kitchen offers generous cabinet and counter space and flows into the dining area, with convenient access to the covered deck overlooking the spacious backyard. The primary suite provides a comfortable retreat with vaulted ceilings, a walk-in closet, and a private bathroom featuring a jetted tub and separate shower. Two additional bedrooms and a full bathroom complete the upper level. Downstairs, the finished walkout basement offers even more room to spread out, featuring a second living area with a wet bar, plenty of additional storage, a fourth bedroom and full bathroom—ideal for guests, entertaining, or flexible living arrangements. Outside, enjoy the fenced backyard, covered deck, and patio area with plenty of room for outdoor activities. Complete with a 2-car garage and conveniently located near shopping, dining, schools, and major highways, this home offers a wonderful combination of space, comfort, and functionality!

127 NE 110th Street, Kansas City

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

$165,000

2 Beds ⋅ 1 Baths

Charming home featuring a covered front porch with wood railings and mature trees surrounding the property. Inside, the living room offers wood-look flooring and large windows that bring in plenty of natural light. The updated kitchen features gray shaker-style cabinets, granite-look countertops, a white tile backsplash, stainless steel appliances, and a window overlooking the yard. Both bedrooms offer carpeting and mirrored closet doors. The bathroom features a tiled tub and shower combination with a white vanity.

3212 Excelsior Street, Kansas City

Listing courtesy of Ahmad Daifallah of Keller Williams Realty Partners Inc..

$385,000

3 Beds ⋅ 2.5 Baths

Sorry extended the active date...could not move to new locations...so time to save your money and we will be available November 10th trees…trees…and more trees—a private, peaceful setting where you can enjoy your morning coffee or watch the seasons change Large great room for family and friends... vaulted ceilings and fireplace for winter holidays... A formal dining room, just waiting for those special family dinners and the memories of Grandma’s holiday gatherings A primary suite with its own sitting room, surrounded by beautiful bay windows overlooking mature trees. Two huge bedrooms for family and friends to visit..Such a welcoming feeling when you walk in the door... Also a huge walk out unfinished lower level with windows galore to enjoy all the trees...A great area to store all those 'things we should get rid of"...Also great for grandkids skating or pretend camping... When we are ready make plans to come see us ... “Not just a house…a home designed for the memories you haven’t made yet.” **Estate sale 13th & 14th, please excuse the mess.**

4304 NE 73rd Street, Kansas City

Listing courtesy of Sandi Schmude of RE/MAX Innovations.

$325,000

3 Beds ⋅ 3 Baths

Beautifully maintained home close to everything! So much space inside and out! This home features luxurious wood floors and granite counter tops. The cozy living room is perfect for watching the game or reading a book. The kitchen has a full sized pantry for lots of storage. The master bedroom has an en suite to help you wash away the day and a walk in closet to fit any wardrobe! Downstairs is the perfect place for entertaining! The bonus area walks out to your above ground pool or to just relax on the patio. The bedroom downstairs allows privacy from the main floor for your guests or family members needing a little extra space. This home even comes with a bonus room to be used however your imagination conjures. Will it be an office? Craft room? Exercise room? So many options! The oversized laundry room has extra storage for all those essentials you stock up on. The 2 car garage and extra concrete pad allow for visitors or teen drivers to all have their own parking space. This one is within walking distance to the school and won't last long! Come see it today!

200 NW 73rd Street, Gladstone

Listing courtesy of Kathie Ousley of Worth Clark Realty.

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Clay County Homes with VA Loan Financing

Newest Clay County Homes with VA Loan Financing

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