Ray Homes with FHA Financing

Ray Homes with FHA Financing

Welcome to Ray County, Missouri—a hidden gem nestled in the heart of the Show-Me State! Known for its rich history, friendly communities, and picturesque landscapes, Ray County is the perfect place to call home. With charming small towns like Richmond and Lawson, residents enjoy a close-knit atmosphere combined with easy access to larger urban centers such as Kansas City, just a short drive away.

Ray County boasts a diverse selection of homes, making it an ideal location for first-time buyers, families, and retirees alike. Whether you’re looking for a cozy cottage, a spacious family home, or a sprawling estate, you’ll find a variety of options to suit your needs. What’s even more exciting is that many homes in this area qualify for FHA financing, making homeownership more accessible than ever. FHA loans are designed to help buyers with lower credit scores or smaller down payments, providing an excellent opportunity for those looking to invest in their future.

In addition to its affordable housing options, Ray County offers a wealth of recreational activities and amenities. Enjoy the great outdoors at local parks, explore the scenic trails, or take part in community events that foster a sense of belonging. With a strong emphasis on education and a variety of local services, Ray County is not just a place to live; it’s a place to thrive.

Discover the charm of Ray County, MO, and take the first step towards your dream home today. With FHA financing available, your new beginning is just around the corner!

Newest Ray Homes with FHA 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.
$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.
$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.
$425,000
3 Beds ⋅ 2 Baths
Rare opportunity to purchase 30 acres that is a short drive to Kansas City. Approximately 25 acres are in the forest. The home sits 600 feet back off the road for the ultimate in privacy. 3 bedrooms with 2 bathrooms and a full concrete walkout basement. Steel roof that is 2 years old. A 13 X by 30-foot addition was added and includes a laundry room with sink and a large living room. Almost 450 square feet of decking that virtually goes on three sides of the home of which 300 foot was rebuilt this year with CCA Yellow wood. 24 X 30-foot detached garage, 24 X 40 Machine Shed that was built with steel columns, 8 X 16-foot She Shed with sliding glass doors and a 12 X 24 foot yard building made with steel tubing and steel floor that is moveable. There is a trail up to the top of the property with a large field, abundant wildlife offering highly desirable deer and turkey. There is an old stone wall well that is approximately 7 feet in diameter and about 10' deep. These are just the tip of the iceberg that this property has to offer. All sizes are approximate and should be verified. They have priced the home to sell quickly and do not wait to take the opportunity to see this slice of paradise.

8898 Albany Road, Orrick

Listing courtesy of Russ Wolfe of ReeceNichols-KCN.
$899,000
4 Beds ⋅ 3.5 Baths
Discover the perfect blend of comfort, craftsmanship, & country living with this well-maintained, one-owner property situated on 32± scenic acres. Whether you're looking for a family homestead, hobby farm, hunting retreat, or a place to operate your business, this exceptional property offers endless possibilities. The home features 4 Brms, 2 full baths, & 2 half baths. Main-floor primary suite includes a walk-in closet, a large vanity in the adjoining bath. Livingroom centers around a wood-burning fireplace, while custom cabinetry throughout the home showcases quality craftsmanship and abundant storage. The well-designed kitchen offers convenient pull-out shelving, & the mudroom includes custom built cabinets, a wash-bay sink, & a half bath. Upstairs, you'll find three additional bdrms, an office, & a full bath w/ double vanity. The finished walkout bsmt is designed for entertaining, featuring stained concrete floors, 2 spacious rec rooms, a custom bar complete with handcrafted hickory cabinetry & a 2 burner stovetop , a half bath, & access to a covered patio. A concrete storm shelter provides additional peace of mind. Outside, the home is equally impressive with a durable metal roof, vinyl siding, deck, lower covered patio, a generator hookup, & a front porch. Incredible Outbuildings: 40' x 60' Industrial Building with a 24' x 40' addition, all previously operated as a custom cabinet-making shop w/ spray foam insulation, Heat & A/C, Office & half bath, 3-phase electric, 2 10' overhead doors, 1 9-foot overhead door, 12-foot sidewalls & a 24' x 24' lean-to on East side. A 40' x 60' Metal Building w/Electricity, Camper hookup & Wired for a welder, & 12-foot doors. An additional Detached 1 Garage, with concrete floor & Electricity. Acreage offers a beautiful mix of open ground and recreation opportunities, including:Pond, Abundant wildlife, panoramic views, & some tillable acreage currently planted in soybeans & in the middle of crop is a well built observation stand,

22803 Mary Lois Road, Cowgill

Listing courtesy of J.C. Claypool of Claypool Realty, LLC.
$279,000
*RARE OPPORTUNITY* Beautifully remodeled duplex in the heart of Richmond! This move-in-ready multifamily property features two spacious units with modern updates throughout. The first-floor unit offers 2 bedrooms and 1.5 bathrooms, while the second-floor unit features 3 bedrooms and 1 full bathroom. Both units have been extensively updated with stainless steel appliances, new countertops, remodeled bathrooms, new flooring, new windows, and new HVAC systems. Fresh finishes and thoughtful improvements throughout provide comfortable, low-maintenance living for future occupants. Conveniently located near Richmond shopping, dining, schools, and local amenities. A great opportunity for an owner-occupant or investor looking for a turn-key updated duplex with two separate living spaces. *Owner/ Agent*

106 E Buchanan Street, Richmond

Listing courtesy of Kenrick Thompson of United Real Estate Kansas City.
$85,000
2 Beds ⋅ 1 Baths
All New Everything for Just $85,000!! If You Are Looking For Cheap Living, This Is It! New HVAC (two mini-splits, plus individually controlled baseboard heaters.) New Roof, Luxury Vinyl Plank Flooring, New Wiring, New Plumbing, New Refrigerator, New Windows, New Bathroom, and New Interior Walls. This is priced to sell so don't wait!!

203 NE 2nd Street, Hardin

Listing courtesy of Becky Treccariche of Platinum Realty LLC.
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