Ray Homes with USDA Loan Financing

Welcome to Ray County, Missouri – a hidden gem in the heart of the Midwest! Nestled just a short drive from the bustling city of Kansas City, Ray County offers a perfect blend of rural charm and modern convenience. With its picturesque landscapes, friendly communities, and a rich history, Ray County is an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life while still enjoying easy access to urban amenities.

One of the standout features of Ray County is its commitment to fostering a welcoming environment for homebuyers. For those looking to invest in their dream home, many properties in the area qualify for USDA loan financing. This means that eligible buyers can take advantage of 100% financing options, making homeownership more accessible than ever. Whether you're a first-time buyer or looking to relocate, USDA loans provide an incredible opportunity to purchase a home in this serene setting without the burden of a hefty down payment.

Ray County boasts a variety of housing options, from charming historic homes to modern builds, catering to diverse tastes and budgets. The local real estate market is thriving, with properties often featuring spacious yards, scenic views, and a strong sense of community.

Explore the beauty and tranquility of Ray County, where you can enjoy outdoor activities, local festivals, and a slower pace of life. Discover your perfect home today and embrace the warmth and charm that Ray County, Missouri, has to offer!

Newest Ray Homes with USDA Loan Financing

$169,900

2 Beds ⋅ 1 Baths

Coming soon!!! Sellers are motivated! This cozy bungalow located in the heart of Richmond, Missouri boasts hardwood floors, original woodwork, gas fireplace, and a full basement. Charm and a corner lot? This beauty as both. The only thing missing is its forever family. Hits the market August 1, 2026 and will not last long. Mark your calendars and be the first to show it!

200 Tribble Street, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.

$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.

$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.

$249,900

3 Beds ⋅ 2 Baths

Tucked away at the end of a quiet dead-end street, this move-in ready gem is the one you've been waiting for! Offering 3 bedrooms, 2 bathrooms, and a large fenced backyard with no immediate neighbors directly behind the property, this home offers a peaceful setting and plenty of outdoor space. Inside, you'll love the fresh paint throughout, creating a bright, clean, and welcoming feel from the moment you walk in. The spacious layout is both functional and inviting, and with a brand-new HVAC system installed just one year ago, you can enjoy added peace of mind. All kitchen appliances stay, making your move even easier. From the fresh updates to the large backyard, this charming Richmond home truly has it all. All that's left to do is move in!

605 S Westview Drive, Richmond

Listing courtesy of Meranda Lefebvre of ReeceNichols-KCN.

$249,999

3 Beds ⋅ 2.5 Baths

Highly motivated seller. Bring us your offers. Super cute home on cul de sac. Easy access to highways. Beautiful yard and surroundings. Primary is on the main level but the upstairs could be a second master suite. New carpet on main level. 3 bedrooms with 2.5 baths and 2 car garage. 2 year old roof. Gorgeous corner lot on a cul-de-sac in the county. Beautiful mature trees, shed, awesome deck for sitting in the evenings. Window coverings.

510 Shawn Crest Lane, Richmond

Listing courtesy of Nita Pridgen of Platinum Realty LLC.

$230,000

3 Beds ⋅ 2 Baths

Well-maintained home tucked away at the end of a quiet cul-de-sac! Recent updates include beautifully refinished hardwood floors throughout the home, a new water heater installed within the past year, and fresh paint that gives the interior a bright, refreshed feel. The finished basement features a spacious bonus room that could easily serve as a primary bedroom, along with a completely renovated full bathroom. With generous living space on both the main level and downstairs, this home offers comfort, flexibility, and plenty of room to grow. Schedule your showing today!

1410 Ridgeway Drive, Richmond

Listing courtesy of Rylee Robinson of Community Realty.

$599,900

2 Beds ⋅ 2 Baths

Welcome to a one-of-a-kind retreat where modern craftsmanship meets total privacy. Custom-built in 2023, this 2-bedroom, 2-bathroom farmhouse offers 2,200 square feet of thoughtfully designed living space wrapped in durable metal construction with a standing-seam metal roof — built to last with minimal maintenance for years to come. Step inside and the surprise begins: far from a typical metal building, the interior is finished with genuine warmth and style — quality craftsmanship and upscale touches throughout that set this home apart from anything else on the market. This isn't a traditional farmhouse, and it isn't trying to be — it's a fresh, distinctive take on rural living for a buyer who wants something different. Set on 10.2 private acres, the home sits on the high ground of the property while the land gently slopes away into a wooded valley behind it, offering natural seclusion, scenic views, and room to roam. Two outbuildings — including a garage-door shed and a second storage shed — provide flexible space for equipment, hobbies, or storage. Located just minutes from Orrick with easy access to Excelsior Springs and the greater Kansas City area, this property delivers the privacy of the country without sacrificing convenience. Whether you're drawn to the acreage, the architecture, or the rare combination of both, this is a property that has to be seen to be appreciated. Schedule your private showing today.

10259 S Perry Road, Orrick

Listing courtesy of Daniel Cooper of Cooper Murdock.

$335,000

5 Beds ⋅ 2.5 Baths

SPACIOUS RAISED RANCH WITH POND VIEWS, FRUIT TREES, & MANY UPGRADES! WELCOME HOME TO THIS SPACIOUS UPDATED RAISED RANCH, FEATURING A CLASSIC BRICK FASCIA AND A NEWER, DURABLE METAL ROOF THAT OFFERS YEARS OF PEACE OF MIND. UNCOMMONLY FEATURING 5 BEDROOMS, WITH 2.5 BATHROOMS, THIS EXPANSIVE LAYOUT OFFERS INCREDIBLE FLEXIBILITY WITH THREE SEPARATE LIVING ROOMS—PERFECT FOR A HOME OFFICE, GAME ROOM, OR LARGE-FAMILY LIVING. THE EXPERTLY FINISHED BASEMENT PROVIDES TONS OF EXTRA LIVING SPACE. AS WELL, THE HOME'S STUNNING, ORIGINAL HANDMADE CABINETS THAT ADD A TOUCH OF TIMELESS CRAFTSMANSHIP. THE HEAVY LIFTING HAS ALREADY BEEN DONE FOR YOU WITH MAJOR MECHANICAL UPGRADES COMPLETED IN 2026. ENJOY ENDLESS SHOWERS WITH A BRAND-NEW TANKLESS HOT WATER HEATER ('26), AN UPDATED ELECTRICAL SYSTEM, AND A NEW SUMP PUMP ('26). THE HVAC SYSTEM IS IN PRISTINE CONDITION, FRESHLY SERVICED IN 2026 WITH A BRAND-NEW BLOWER MOTOR, SOLENOID, AND ACTUATOR TO ENSURE YEAR-ROUND EFFICIENCY. NEWER WINDOWS THROUGHOUT KEEP THE ENTIRE HOME BRIGHT AND ENERGY-EFFICIENT. STEP OUTSIDE TO YOUR OWN PRIVATE RETREAT. THE EXTERIOR FEATURES EXTENSIVE OUTDOOR LIGHTING THAT SHOWCASES A GORGEOUS STONE PATIO—THE ULTIMATE SPOT TO UNWIND AND TAKE IN VIEWS OF THE LOCAL NEIGHBORING POND. THE YARD IS PARTIALLY FENCED, MAKING IT READY FOR YOUR PUPS, AND COMES ALIVE WITH A FRESHLY PLANTED APPLE TREE ALONGSIDE PLUM, PEAR, OAK, AND PINE TREES. COMPLETE WITH A TWO-CAR GARAGE AND TONS OF EXTRA PARKING FOR GUESTS, A CAMPER, OR A BOAT, THIS MOVE-IN-READY HOME TRULY HAS IT ALL. THANKS FOR LOOKING!

205 E Dauxville Drive, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.

$394,900

4 Beds ⋅ 3 Baths

Private 5-acre retreat with a massive 40x60 shop and beautifully updated home! This fully renovated property offers the perfect blend of modern updates, space, and privacy — all just a short drive from town. Inside, you’ll find an open and inviting layout featuring fresh updates throughout, including new HVAC, water heater, flooring, paint, fixtures, and more. The spacious finished basement adds incredible flexibility for additional living space, entertaining, hobbies, or storage. Step outside and enjoy peaceful country views, mature trees, and plenty of room to spread out. The huge 40x60 outbuilding with concrete floors and power is ideal for a workshop, business, equipment storage, or all your toys. A brand-new deck creates the perfect spot to relax and enjoy the private setting. Properties offering this much space, this many updates, and a shop of this size at this price point are hard to find. Move-in ready and packed with value — don’t miss your chance to own this one-of-a-kind acreage property!

39232 Fitch Road, Richmond

Listing courtesy of Jake Osborn of Osborn Real Estate.

$334,900

3 Beds ⋅ 2.5 Baths

Step into this custom built brick home in established and desirable neighborhood. Spacious open concept living area combines a well designed kitchen layout with living area and dining room. Utility/Laundry Room is steps away from the two car garage and kitchen. Three bedroom, two bath on main level. Finished basement features the perfect second kitchen, second fireplace, and third full bathroom, which provides the perfect accommodation for overnight guests, or a second self contained living quarters. Concrete driveway to garage on main level. Walk out basement from unfinished storage follows a concrete walkway to extra parking pad on west side of property. Back yard features concrete patio and detachted storage shed.

303 W Dauxville Drive, Richmond

Listing courtesy of Rob Swafford of Platinum Realty LLC.

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