Ray Homes with Cash Financing

Ray Homes with Cash Financing

Welcome to Ray County, Missouri – a hidden gem nestled in the heart of the Midwest! Known for its rich history, charming small towns, and an abundance of natural beauty, Ray County offers a unique blend of rural tranquility and modern convenience. With picturesque landscapes and a friendly community, it’s the perfect place for families, retirees, and anyone looking to escape the hustle and bustle of city life.

Ray County boasts a variety of outdoor activities, from fishing and boating on the serene waters of the Missouri River to hiking and exploring the scenic trails in local parks. The county is also home to a vibrant arts scene, bustling farmers' markets, and a host of community events that bring residents together throughout the year.

For those considering making Ray County their home, you’ll be pleased to know that cash financing options are available for many properties in the area. This flexibility makes it easier for buyers to secure their dream home without the complications of traditional financing methods. Whether you're looking for a cozy cottage, a spacious family home, or a charming farmhouse, Ray County has something to suit every taste and budget.

With its welcoming atmosphere, excellent schools, and a strong sense of community, Ray County is not just a place to live; it’s a place to thrive. Come explore the possibilities and discover why so many are choosing to call Ray County home. Your dream home awaits!

Newest Ray Homes with Cash Financing

$228,900
3 Beds ⋅ 2 Baths
This Charming 3 Bed 2 Bath is beautifully remodeled, and Move-In Ready! Updates include NEW Siding, NEW Garage Doors, NEW Windows, NEW Gutters, NEW Roof, NEW HVAC, NEW Water Heater, NEW Kitchen Cabinets, Backsplash, Sink, Faucets, Countertops and Brand New Stainless Steel Kitchen Appliances! NEW Flooring and trim throughout. Bathrooms have been fully remodeled with New Vanities, New Luxury Tile Shower Surrounds, New Tub, and Mirrors/Hardware. Only 5 minutes from Downtown Excelsior Springs!

102 O E Avenue, Excelsior Springs

Listing courtesy of Kyle Shaffer of 1st Class Real Estate KC.
$375,000
4 Beds ⋅ 2 Baths
Stunning Lakefront Oasis, completely remodeled from top to bottom and move-in ready. This nearly 2,000-square-foot retreat offers the perfect blend of modern luxury and serene waterfront living. Situated directly on the water, the property provides the opportunity to add a private dock and immediately enjoy premier fishing, boating, and lakeside relaxation—all with no HOA fees. Designed for total peace of mind, every major system and surface in the home is brand new, including the roof, HVAC, water heater, plumbing, electrical fixtures, flooring, appliances, fireplace, bathrooms, and front and back decks. The home also offers unmatched waterfront views. Its unique positioning allows you to enjoy both breathtaking sunrises and remarkable sunsets directly over the water. Whether you are looking for a permanent residence or a weekend getaway, this lakefront gem delivers a lifestyle that is hard to find. Crystal Lakes is comprised of five lakes, including one main lake and four smaller lakes.

14788 Midway Drive, Excelsior Springs

Listing courtesy of Lindie Victor of ReeceNichols- Leawood Town Center.
$759,000
4 Beds ⋅ 2 Baths
This ranch boasts 60 acres, a stream, a pond, nearly 4 miles of trails, and hunting right out the back door. Step through the foyer into an open, easy-living main floor. The kitchen and dining area flow into a bright living room, and The primary bed, two additional main-floor bedrooms and a full bath round out the level. Downstairs, the finished walkout basement adds serious flexibility. A spacious family room, second full kitchen, 4th bed, full bath and utility space create an ideal setup for multigenerational living, guests, or entertaining. An additional lower-level room offers flexible space for hobbies or a 5th non-conforming bedroom. Step out to a massive enclosed porch spanning nearly the width of the home, made for morning coffee, hosting friends, or watching the acreage change with the seasons. A new roof in 2023 with new gutters in 2024 add new life to a big-ticket item along with a complete re-pipe to Pex throughout the home for winter durability, and renewal by Anderson windows has over 15 years left of warranty. But outside, the property's true value is impossible to miss. Two 30-acre parcels — 60 total — combine rolling pasture, wooded acreage, a meandering stream, and a small pond. Nearly 4 miles of trails wind through the land, ready for hiking, riding, or ATVs, and the game trails tell the story: 200 class whitetail deer and turkey call it home, making this a serious contender for hunters and outdoor enthusiasts alike. Three outbuildings, including a converted greenhouse complete with electricity and gas heat, add not only storage, but potential for livestock and the garden of your dreams. All less than 30 minutes from Kansas City dining, shopping, and entertainment! Whether you're dreaming of a hobby farm, a private retreat, recreational land, or simply room to roam, this property delivers space, water features, wildlife, and privacy that are increasingly rare to find. Come see what a life with room to breathe actually looks like.

10465 N Highway, Orrick

Listing courtesy of Nelson Home Group of Keller Williams KC North.
$128,000
3 Beds ⋅ 1 Baths
Charming and comfortable, this home offers a great combination of character, updates, and convenience. For the first time in more than 100 years, central air conditioning has been installed, bringing a much appreciated modern comfort to this historic home. The newer hot water heater adds to the recent updates. The main level features a spacious primary bedroom, while two additional bedrooms are located upstairs, offering flexibility for guests or a home office. Outside, enjoy a nice fenced yard and detached garage with plenty of room for parking, storage, or hobbies. Location is another highlight, with being located on a corner lot and with the school within walking distance, and easy access to Highway 10 for a convenient commute into the Kansas City area. If you’re looking for a well kept home with a little history, useful updates, and a convenient location, this one is worth a look!

300 NE 1st Street, Hardin

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$795,000
4 Beds ⋅ 3.5 Baths
This magnificent property could be your next forever home. 3.5 ACRES of beautifully landscaped grounds designed for entertaining & making memories with family & friends! Gated in ground heated pool with AZEK sun deck & slide. "SHE SHED" & fire pit area are perfect for outdoor fall gatherings. 23 X 27 insulated Shop. All lined with concrete circle drive & nostalgic fountain in the center. NEW KITCHEN COUNTERS IN 2018. NEW AC IN 2018. NEW WINDOWS INSTALLED IN 2023. NEW WOOD FLOORING INSTALLED IN 2023. NEW FURNACE & WATER HEATER INSTALLED IN 2024. ROOF, SIDING & GUTTERS INSTALLED IN 2024 & 2025. As you enter the foyer, the high vaulted ceiling in the living room with rock accented fireplace welcomes you. Kitchen is open to living room & opens left to a large family room. 3 large bedrooms upstairs. Master suite has spacious onyx walk in shower & soaking tub. Full walkout basement offers 1 bedroom & 1 non conforming bedroom with large closet & connecting full bath. Tiled basement family room opens to patio & pool. Cabinets, fridge & wet bar for summer entertaining or the perfect movie night. Approximately 1000 sq. ft. of storage in basement as well as 7 x 9 concrete storm room. This home is a MUST SEE! Call for a tour today.

10030 Airfield Lane, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$295,000
3 Beds ⋅ 2 Baths
Enjoy easy, comfortable living in this brand-new ranch home located on the northern edge of Richmond, offering the convenience of town with a little more breathing room. The all ranch layout features an open floor plan, LVP flooring throughout, a comfortable primary suite, and a two-car attached garage. Step outside and enjoy a backyard that backs to a peaceful tree line, providing a nice natural backdrop. Sidewalks throughout the area make morning walks easy, with a nearby park and walking trail just a short stroll away. Convenient Highway 13 access makes getting around town simple. With its new construction, practical layout, convenient location, and one-year builder warranty, this home offers an easy opportunity to make your move into a brand-new home. Estimated completion date November of 2026. Owner is a licensed real estate agent in the state of Missouri. Listing agent is a direct family member of seller.

1412 N Thornton Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$719,999
4 Beds ⋅ 3.5 Baths
BACK ON THE MARKET and truly one of Richmond’s most unique properties! If you’ve been dreaming of country living without giving up the conveniences of town, this is the one you don’t want to miss. Situated on nearly 10 secluded acres while STILL WITHIN CITY LIMITS, this property offers the privacy, space and outdoor lifestyle that are becoming harder and harder to find. But the showstopper is the incredible private pond—approximately 38 feet deep and stocked with OVER 1,000 FISH! Whether you love fishing, spending weekends outdoors, camping with family and friends, watching wildlife or simply enjoying the peace and quiet of your own land, this property gives you the opportunity to enjoy it all right outside your door. Imagine mornings overlooking the water, afternoons fishing with the kids, evenings around a campfire and plenty of room to explore—all while still being close to the everyday necessities and conveniences Richmond has to offer. This isn't just a home—it's your own private retreat. Nearly 10 acres, abundant wildlife, an incredible stocked pond and the best of both worlds: COUNTRY LIVING WITH CITY CONVENIENCE. Properties like this don't come along often. Come see what makes this Richmond property so special!

705 Broadway Avenue, Richmond

Listing courtesy of Rachael Cruz of Kansas City Regional Homes Inc.
$675,000
Welcome to this versatile country property in the rolling hills of Ray County, Missouri. A newly built 1½-story home offers 3 bedrooms and 2 bathrooms and sits high on a hill overlooking the surrounding countryside. A long private driveway provides separation from the blacktop road while maintaining convenient all-weather access. The main floor of the house features 1 bed, 1 bath while the upstairs has 2 bedrooms and 1 bath. The acreage is approximately half open pasture and half timber, offering an excellent combination of usable ground and recreational land. New fencing makes the pasture well suited for livestock, horses, or continued grazing. A pole barn provides valuable storage for tractors, ATVs, equipment, tools, and livestock supplies. The timber and adjoining larger blocks of wooded habitat provide opportunities for whitetail deer, turkey, hunting, wildlife management, food plots, trails, and other outdoor recreation. With a newer home, fenced pasture, timber, pole barn, blacktop frontage, and recreational opportunities, this property offers a practical setup for a full-time country residence, livestock operation, weekend getaway, or hunting retreat. Much of the infrastructure is already in place, allowing the next owner to begin enjoying the property right away. Contact the listing agent for additional information or to schedule a private showing. Additional acreage is available is buyer desires.

45526 Highway K Highway, Richmond

Listing courtesy of Travis Heman of Whitetail Properties Real Esta.
$675,000
3 Beds ⋅ 2 Baths
Welcome to this versatile country property in the rolling hills of Ray County, Missouri. A newly built 1½-story home offers 3 bedrooms and 2 bathrooms and sits high on a hill overlooking the surrounding countryside. A long private driveway provides separation from the blacktop road while maintaining convenient all-weather access. The acreage is approximately half open pasture and half timber, offering an excellent combination of usable ground and recreational land. New fencing makes the pasture well suited for livestock, horses, or continued grazing. A pole barn provides valuable storage for tractors, ATVs, equipment, tools, and livestock supplies. The timber and adjoining larger blocks of wooded habitat provide opportunities for whitetail deer, turkey, hunting, wildlife management, food plots, trails, and other outdoor recreation. With a newer home, fenced pasture, timber, pole barn, blacktop frontage, and recreational opportunities, this property offers a practical setup for a full-time country residence, livestock operation, weekend getaway, or hunting retreat. Much of the infrastructure is already in place, allowing the next owner to begin enjoying the property right away. Contact the listing agent for additional information or to schedule a private showing. Additional acreage is availble is buyer so desires.

45526 Highway K Highway, Richmond

Listing courtesy of Travis Heman of Whitetail Properties Real Esta.
$140,000
3 Beds ⋅ 1 Baths
Turnkey rental opportunity with an established long-term tenant already in place. The property currently produces $13,800 in gross annual rents, making it an attractive option for an investor looking for an occupied property with existing rental history. For buyers looking to expand their holdings in the area, this property is being sold with 300 W. Hortense St., Orrick, MO (MLS #2640588). Tenant occupied. Please do not disturb the tenant. A minimum of 24 hours' notice is required to obtain tenant approval for all showings. Lease and additional rental information are available upon request.

201 N Institute Street, Richmond

Listing courtesy of Mark Colombatto of Weichert Realtors - Generations.
$110,000
2 Beds ⋅ 1 Baths
Income-producing rental with an established tenant already in place. The property currently generates $11,532 in gross annual rents, with the existing tenant secured under a lease through August, providing an investor with established income and lease stability from the start. This property is being sold with 201 N. Institute St., Richmond, MO (MLS #2640636). Tenant occupied. Please do not disturb the tenant. A minimum of 24 hours' notice is required to obtain tenant approval for all showings. Lease details and additional rental information are available upon request.

300 W Hortense Street, Orrick

Listing courtesy of Mark Colombatto of Weichert Realtors - Generations.
$115,900
Unveil infinite possibilities with three magnificent, rolling acres nestled in desirable Wood Heights Township right outside Excelsior Springs city limits! This prime Ray County parcel perfectly blends ultimate country privacy and everyday convenience, featuring mature trees, serene open green space, and quick access to Highway 10. Outdoor enthusiasts, hobbyists, and vehicle mechanics will fall in love with the detached outbuilding workshop, complete with solid concrete flooring, 100-amp electrical service, overhead lighting, and a functional two-post hydraulic vehicle lift ready for your projects. Generous road frontage along a well-maintained gravel drive provides effortless access to the sprawling, tree-lined landscape. Public water access is available on-site, offering fantastic utility potential for your custom build. Whether you envision designing your dream home, creating an idyllic homestead, or establishing a private workshop retreat, this versatile acreage delivers the ultimate canvas to bring your vision to life!

32124 Pisgah Cemetery Road, Excelsior Springs

Listing courtesy of Lindsay Castro of RE/MAX Heritage.
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