Ray Homes with Conventional Financing

Ray Homes with Conventional Financing

Welcome to Ray County, located in the beautiful state of Missouri! Ray County is known for its picturesque landscapes, friendly communities, and rich history, making it a wonderful place to call home.

In Ray County, you'll find a wide range of homes available with conventional financing options. Whether you're looking for a cozy starter home, a spacious family residence, or a charming country retreat, you're sure to find the perfect property to suit your needs. With conventional financing, you can take advantage of competitive interest rates and flexible terms, making the home buying process smoother and more affordable.

From historic homes with character and charm to modern properties with all the latest amenities, Ray County offers a diverse selection of real estate options. Whether you're a first-time homebuyer, a growing family, or looking to downsize, there's something for everyone in Ray County.

Explore the vibrant communities, excellent schools, and abundant recreational opportunities that Ray County has to offer. With its convenient location, affordable housing options, and welcoming atmosphere, Ray County is a fantastic place to put down roots and create lasting memories. Start your search for the perfect home in Ray County today and discover why so many people are proud to call this area home.

Newest Ray Homes with Conventional Financing

$189,900
3 Beds ⋅ 2 Baths
Take a look at your next home with instant equity. Lots of great potential and in a semi private location close to town, commuter routes, schools and shopping areas. newer HVAC. Fenced yard with shed and large deck. Partially finished basement with bathroom right off the family room.

1403 Ridgeway Drive, Richmond

Listing courtesy of Bob Halberstadt of ReeceNichols North Star.
$209,900
4 Beds ⋅ 2 Baths
LOADS OF POTENTIAL! Brand-new roof, both HVAC systems replaced, and utilities are on! Updated photos coming soon! Raised ranch with 4 bedrooms, 2 full baths, and 2 living areas on the main level. Main bedroom features ensuite bath, his/hers closets, and access to its own private deck—great for relaxing and entertaining! Hardwood flooring and plenty of natural light! Full basement with plenty of room for storage. Easily convert back into 3-car attached garage! Spacious corner lot next to a dead-end street with view of green space. Add this one to the top of your list while it lasts!

1412 Ridgeway Drive, Richmond

Listing courtesy of Connor Reeves of Mother & Son Realty Group.
$70,000
Beautiful 4-acre residential lot with road frontage, offering plenty of space to build your dream home or enjoy a peaceful country setting. Buyer to verify all information, including zoning, utility availability, and building requirements.

Klatt Road, Excelsior Springs

Listing courtesy of Emorye Moore of Juncture.
$79,900
Opportunity is knocking in the heart of Lawson! Located along the town’s nostalgic commercial street this 656 square foot storefront offers an affordable turn key entry point for an entrepreneur, investor or established business ready to become part of a close knit community. The adaptable space may be well suited for a boutique, professional office, creative studio, specialty shop, service, business or other permitted commercial use. In a season when residents are eager to see fresh ideas and new energy spark in their charming town this property offers more than a building. It offers the chance to create something the community can gather around, support and proudly call its own. Bring your vision and become part of Lawson’s next chapter.

310 N Penn Street, Lawson

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$69,900
2 Beds ⋅ 1 Baths
Don't miss this opportunity to own a bank-owned property with tremendous potential. Whether you're an investor looking for your next project or a buyer ready to build equity, this home offers an excellent value. Situated on a desirable corner lot, this charming bungalow features two main-level bedrooms and a spacious upstairs that can be converted into a non-comforming bedroom, providing a functional and versatile floor plan. The home has received updates over the years but will require extensive cosmetic repairs. This property is being sold strictly AS IS. The seller will make no repairs, and no Seller's Disclosure is available. Square footage is approximate and should be verified by the buyer or buyer's agent. With its attractive price and opportunity to add value through cosmetic improvements, this bank-owned property is one you won't want to miss. Schedule your showing today!

809 W Lexington Street, Richmond

Listing courtesy of Jenny Olson-Paden of Weichert Realtors - Generations.
$75,000
Build the home you’ve always imagined on this beautiful 5-acre! Lot 42 on Airfield Lane offers the perfect blend of peaceful country living and everyday convenience. The gently sloping terrain provides an excellent building site for a walk-out basement, while the spacious acreage gives you plenty of room for a custom home, outbuilding, outdoor living spaces, and all the privacy you’ve been looking for. Located just outside the Richmond city limits, you’ll enjoy a quiet rural setting with quick access to Highway 210 for an easy commute to Kansas City and surrounding communities. Whether you’re ready to build now or planning for the future, this is an outstanding opportunity to own a piece of Missouri countryside in a desirable location. Don’t miss your chance to make your dream home a reality on this exceptional 5-acre homesite!

Lot 42 Airfield Lane, Richmond

Listing courtesy of Jennifer Jellum of RE/MAX Central.
$75,000
Build the home you’ve always imagined on this beautiful 5-acre tract! Lot 43 on Airfield Lane offers the perfect blend of peaceful country living and everyday convenience. The gently sloping terrain provides an excellent building site for a walk-out basement, while the spacious acreage gives you plenty of room for a custom home, outbuilding, outdoor living spaces, and all the privacy you’ve been looking for. Located just outside the Richmond city limits, you’ll enjoy a quiet rural setting with quick access to Highway 210 for an easy commute to Kansas City and surrounding communities. Whether you’re ready to build now or planning for the future, this is an outstanding opportunity to own a piece of Missouri countryside in a desirable location. Don’t miss your chance to make your dream home a reality on this exceptional 5-acre homesite!

Lot 43 Airfield Lane, Richmond

Listing courtesy of Jennifer Jellum of RE/MAX Central.
$1,323,000
3 Beds ⋅ 3.5 Baths
-155+ acres in Ray County Missouri -2,596 square foot home -3 bedroom 4 bathroom -2 car attached garage -Western facing full width front porch -Large rural residential setting -30+/- acres of soybeans -2 large sheds -Pond -Creek -Clover fields -Pastures with cross fencing in place -Blacktop frontage -27 minutes from Richmond, Missouri -40 minutes from Chillicothe, Missouri -56 minutes from Liberty, Missouri

20731 Cowsert Drive, Braymer

Listing courtesy of Jason Hilbrenner of Midwest Land Group.
$434,900
3 Beds ⋅ 2.5 Baths
Country roads really do lead home! Welcome to this beautiful country retreat nestled on 10 fully fenced acres in the highly sought-after Lawson School District. Offering the perfect blend of peaceful rural living and convenient access to the Kansas City metro, this well-maintained ranch is ready to welcome you home. The main level features 1,822 square feet with 3 bedrooms and 2.5 bathrooms, offering comfortable spaces designed for everyday living. The spacious living room is anchored by a beautiful brick fireplace, creating a warm and inviting place to gather, while the kitchen provides abundant cabinetry and workspace for preparing meals and making memories. The finished walkout basement expands the home's living space with a second family room featuring another brick fireplace, a half bath, laundry area, generous storage, and a versatile non-conforming room that could easily become a home office, craft room, workout space, or playroom. Recent updates provide added peace of mind, including a new furnace, central air conditioner, and water heater installed in 2020. Step outside and experience everything country living has to offer. The fully fenced 10 acres provide endless opportunities for a hobby farm, a few horses or livestock, gardening, outdoor recreation, or simply enjoying the privacy and beauty of your own land. Bring your four-wheelers and explore, relax beneath the mature shade trees, or unwind while watching the abundant wildlife. Deer are frequent visitors, and during the summer months, you'll often find fawns playing in the backyard. Whether you're dreaming of a hobby farm, more room to roam, or simply a peaceful place to call home, this property offers the space, freedom, and lifestyle you've been searching for. Country roads really do lead home... and this one just might lead you here.

21062 Bright Lane, Lawson

Listing courtesy of Dawn Pointer of Dawn Pointer Homes, LLC.
$400,000
3 Beds ⋅ 2.5 Baths
Looking for a little extra space without giving up convenience? This 3-bedroom, 2.5-bath split-level sits on 2 acres just outside Excelsior Springs and offers the perfect balance of country living and easy access to town. Inside, you'll find two spacious living areas, each with a cozy wood-burning fireplace, giving everyone plenty of room to spread out. The kitchen includes the appliances and opens to the back deck, making it easy to enjoy your morning coffee or relax while taking in the peaceful surroundings. Several major updates have already been completed, including a new septic system in 2024, plus a new water heater and water softener in 2025, giving buyers added peace of mind. Outside, the attached 2-car garage is complemented by a 960-square-foot shop with a concrete floor and 40-amp electrical service, perfect for hobbies, projects, equipment, or extra storage. Bonus attached chicken coop in shop. If you've been searching for room to enjoy the outdoors with practical updates already in place, this property is one you won't want to miss.

207 Evergreen Street, Excelsior Springs

Listing courtesy of Jennifer Engbroten of RE/MAX Heritage.
$699,000
4 Beds ⋅ 3 Baths
Embrace the peace and privacy of country living with this beautifully custom-built home situated on 17.42 picturesque acres just outside the Richmond city limits. Built in 2015, this spacious 4-bedroom, 3-bath home offers thoughtfully designed living space featuring an open floor plan filled with natural light, beautiful hardwood floors and cabinetry, newer carpet in the bedrooms, and select ADA-accessible features for added comfort and convenience. The primary bedroom features and large walk-in closet, private bathroom, and access to the sun room and back deck. The large composite back deck with a walk-down to the concrete patio creates the perfect setting to relax and enjoy the breathtaking views. Spend your evenings fishing in the stocked pond, enjoy fresh fruit from the young fruit trees as they mature, or take advantage of the RV hookups for when visitors come. The detached 284 sqft guest quarters provides a flexible space for guests, a home office, or creative hobbies, while the impressive 100' x 30' outbuilding with concrete floors, electricity, and an industrial ceiling fan is ready for equipment, projects, recreational vehicles, or a workshop. With room to roam, space to grow, and endless opportunities, this is more than just a home—it's a place to build memories and enjoy the lifestyle you've been dreaming of. Schedule your private tour today and experience all this remarkable property has to offer!

39803 K Highway, Richmond

Listing courtesy of Sterling Spicer of ReeceNichols North Star.
$990,000
4 Beds ⋅ 4.5 Baths
The luxury barndominium you’ve been dreaming about is available now, offering 8000+sf of seamless living, entertaining, and commercial grade utility. Custom built in 2022, this single level ranch immediately welcomes you with effortlessly accessible 9’ ceilings, warm luxury vinyl flooring, and a expansive 5’ wide hallway that flows smoothly from the private driveway throughout the entire home. Imagine starting your mornings in a true chef’s kitchen: crafting meals on a professional gas range, retrieving ingredients from dual walk-in pantries, or serving drinks from the dedicated wet bar island. Work blends effortlessly into your day in a private home office with its own exterior entrance for client visits, which easily doubles as a fifth bedroom. As day turns to evening, unwind beside the warm glow of a two-sided propane fireplace, or step outside onto the covered patio and gazebo to take in the peaceful acreage while pets roam the fenced yard. The lifestyle transitions effortlessly from everyday comfort to extraordinary capability. Step directly into your attached, climate-controlled 50’ x 60’ recreation room; a vibrant haven complete with surround sound, soaring fans, two 12’ overhead doors, and an indoor storm shelter, making it the ultimate venue for hosting unforgettable events or running an expansive studio space. Just beyond sits the impressive 60’ x 80’ x 18’ fully insulated workshop. Heavy equipment, car collections, or full-scale business operations feel right at home with 6” reinforced concrete floors, a dedicated 5-ton HVAC system, 200-amp power, its own full bathroom with separate septic, and a reinforced concrete driveway engineered for semis and trailers. Every detail is designed for total peace of mind and low maintenance luxury, from smart programmable lighting and tankless hot water to spray foam efficiency and a whole home Generac generator. It’s a rare opportunity to live with complete freedom, total independence, and unlimited room to grow.

8944 Southpoint Drive, Richmond

Listing courtesy of Karen Cooper-Botts of EXP Realty LLC.
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