St. Clair Homes with Conventional Financing

St. Clair Homes with Conventional Financing

Welcome to St. Clair County, Missouri – a hidden gem that beautifully blends small-town charm with modern conveniences. Nestled in the heart of the Ozarks, St. Clair offers a rich tapestry of natural beauty, vibrant community life, and a welcoming atmosphere that makes it an ideal place to call home. With its stunning landscapes, including lush forests and serene lakes, outdoor enthusiasts will find themselves in paradise, whether hiking, fishing, or simply enjoying a leisurely afternoon in nature.

St. Clair County is known for its affordable housing options, making it an attractive choice for families, retirees, and first-time homebuyers alike. The area boasts a variety of homes that qualify for conventional financing, allowing buyers to secure their dream home with ease. From charming single-family residences to spacious modern builds, there’s something to suit every taste and budget. The friendly neighborhoods are complemented by excellent schools, local shops, and community events that foster a strong sense of belonging.

Living in St. Clair means enjoying the tranquility of rural life while still having access to urban amenities. With nearby cities offering shopping, dining, and entertainment, residents can easily balance work and leisure. Plus, the community’s commitment to growth and development ensures that St. Clair will continue to thrive as a desirable place to live.

Whether you’re searching for your first home or looking to settle down, St. Clair County is ready to welcome you with open arms. Discover the joys of life in this enchanting region, where your perfect home awaits!

Newest St. Clair Homes with Conventional Financing

$359,900
If you've been searching for a true recreational property with great hunting potential, this 78.94-acre tract in St. Clair County deserves a look. It is located just outside Osceola, Missouri, this property offers the ideal combination of mature timber, wildlife habitat, and outdoor recreation. The land features two ponds for fishing, mature hardwood timber, and multiple locations ideal for establishing food plots to attract and hold deer and other wildlife. Existing partial trails provide access throughout much of the property, making it easy to navigate by ATV or on foot. One of the property's outstanding features is that it adjoins Corps of Engineers land, giving you direct access to thousands of additional acres for hunting, hiking, and exploring. Electricity is available across the property, providing excellent potential for a future cabin, campsite, or hunting retreat. Located along Truman Lake, this property offers easy access to several nearby boat ramps, making it convenient for hunting, boating, fishing, and water recreation. The property is approximately 5 miles from Osceola and 26 miles from Clinton, providing access to shopping, dining, and essential services while maintaining a private, secluded setting. This property is 66 miles from Springfield and 105 miles from Kansas City.

1825 NE 251 Road, Osceola

Listing courtesy of Chuck Simpson of United Country Real Estate Buckhorn Land and Realty.
$410,500
Looking for a recreation piece or a perfect build spot in West Central Missouri? This beautiful 132+\- acres located in Collins Missouri has beautiful mature trees, thick cover for wildlife bedding, and primarily flat ground making this spot a perfect option for your future home or recreational land. With a well and power already established you'll be ready to build in no time. There are multiple trails throughout the property, food plot locations, and full of wildlife. While viewing this property you will have promising opportunities to see Quail, Deer, Turkey, and more. Truman and Pomme De Terre lake are both a short drive providing ample opportunity for weekends of fishing or boating. The property is in the desired, Weaubleau School district. Collins Missouri is within and hour from Springfield Missouri and an hour and a half to Kansas City Missouri. It sits just a short 30 minutes from Bolivar Missouri holding you local hospital, grocery stores, and basic shopping.

0000 SE 1151 Road, Collins

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$110,000
3 Beds ⋅ 1 Baths
Home For Sale St Clair County MO Located in St clair County's Appleton City is known for its welcoming small-town atmosphere, quality schools, and convenient access to outdoor recreation. The area offers local shopping, restaurants, parks, and community events while maintaining the quiet lifestyle many buyers are seeking. Nearby lakes, conservation areas, and public hunting opportunities provide year-round recreation for outdoor enthusiasts. With easy access to major highways, commuting to surrounding communities is simple while still enjoying the benefits of small-town living. Home For Sale Appleton City, MO Located at 201 E 2nd Street in Appleton City, Missouri, this historic home offers a great opportunity for investors, contractors, or anyone looking for a fixer-upper with plenty of potential. Built in the late 1800s, this property features approximately 1,625 square feet of living space and sits on a large corner lot in an established neighborhood. While the home is in need of repairs and updates, it provides a solid foundation for someone ready to restore its character and create value through improvements. The home offers ample living space with room to reconfigure, remodel, and customize to fit your needs. Original features and historic charm can still be found throughout the property, providing the opportunity to blend modern updates with classic craftsmanship. Whether you're looking for a renovation project, rental property investment, resale opportunity, or an affordable home to renovate over time, this property has the potential to become something special.

201 E 2nd Street, Appleton City

Listing courtesy of James Edwards of United Country Real Estate Buckhorn Land and Realty.
$214,000
3 Beds ⋅ 2 Baths
Spacious & Updated Home for Sale in Appleton City, MO. Schedule an appointment TODAY to see this great new listing in Appleton City, MO. This turnkey, 3-bedroom, 2-bathroom, 2,720 square foot ranch style home is one you won't want to miss. This attractive home is beautifully updated, functional, & ready for its next owner! Fresh, modern wall color is complemented by white trim, bright lighting, & luxury vinyl plank flooring throughout the home making it the perfect backdrop for a wide range of decorative styles. The layout is open, flowing nicely from the living room, large dining room, & kitchen. The kitchen features classic white & black painted cabinetry, stainless appliances, & a large island perfect for food prep, storage, & morning coffees with breakfast. A custom coffee bar & built-in pantry give additional style & function to the area. Two bedrooms & one bathroom are on the main level, all featuring large closets & plenty of built-in storage. The main bathroom features a double bowl sink, full-size step-in shower with seat & bars for easy accessibility, & a Smart Home exhaust fan with Alexa capabilities. This home sits over a full, finished basement for double the square footage. The wide, carpeted steps give plenty of space for large furniture to be moved in so you can make this versatile space exactly what you envision it to be. The basement currently features a large living room area, a non-conforming bedroom, a storage room with shelving, laundry area, & a ¾ bathroom. Additionally, the home features a full sized 2-car garage, a water filtration system with softener, & a bonus smart laundry system. Outside, there is an inviting, covered front porch, & a relaxing back deck. A locally built 10x16 garden shed provides additional storage space & a place to park a mower. Call today to schedule your showing on this low-maintenance, move-in ready home in St. Clair County, Missouri.

100 N Hickory Street, Appleton City

Listing courtesy of Ryan Hubbard of United Country American Heartl.
$22,000
?Are you wanting to build your dream home? This Double corner lot sets in the Silverfox Subdivision giving you a prime location to build and still have a huge yard. ?This large corner lot gives you multiple access points, city water and city sewer. This saves you the cost and hassle of drilling a well and installing a septic. This .80 acres is the perfect place to build your next home or make an investment for your future. Located in Osceola, Missouri in the Truman Lake area 1 mile from the Osceola Boat Ramp and town square, means you never have to travel far to fish, hunt or take care of business. This property sets 1 mile from Osceola Public Schools, 30 minutes south of Clinton and 30 minutes north of Bolivar. This property is 1 hour and 45 minutes from Kansas City and 1 hour 15 minutes from Springfield.

State Hwy WW Highway, Osceola

Listing courtesy of Chuck Simpson of United Country Real Estate Buckhorn Land and Realty.
$599,000
Discover this exceptional 144± acre recreational and hunting property in St. Clair County, Missouri. Predominantly covered in mature hardwood timber, the property features a healthy mix of white oak, red oak, and hickory trees. Several secluded openings are already in place, offering ideal locations for food plots and wildlife management. A well-established network of two-track trails provides excellent access throughout the property, making it easy to navigate in a variety of hunting conditions and wind directions. The landscape offers numerous ridge tops, bedding areas, and natural pinch points that create outstanding opportunities for deer hunting. Adding to its appeal, the property borders large tracts of Corps of Engineers land that can only be accessed through this property or by boat, effectively expanding the amount of acreage available for recreation and hunting. One of the trails leads directly to a quiet cove on Truman Lake, providing convenient access to fishing and other outdoor activities. Portions of the timber may also offer future harvest potential, creating an opportunity for additional income through responsible timber management. The property includes a well-maintained trailer that would make an excellent hunting cabin, weekend retreat, or base camp for outdoor adventures. The trailer is equipped with both a water well, lagoon, and electricity, providing the comforts needed for extended stays. A small storage shed is also included, offering space for a lawn mower, ATV, hunting equipment, tree stands, or blinds. Whether you're looking for a turnkey hunting property or a peaceful getaway, the existing improvements add immediate functionality and value. Located along Truman Lake, this property offers easy access to several nearby boat ramps, making it convenient for boating, fishing, and water recreation. The property is approximately 10 miles from Osceola and 25 from Clinton.

5760 NE 871 Private Road Road, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.
$185,000
4 Beds ⋅ 1.5 Baths
Welcome to 409 W Miller Street, a beautifully updated home that combines the warmth of small-town living with the comfort of modern updates. Nestled in the heart of Appleton City, this spacious residence offers 5 bedrooms and sits on nearly half an acre, giving you the perfect balance of privacy, space, and community charm. From the moment you arrive, you'll notice the fresh new exterior and interior paint that gives the home a crisp, inviting feel. Inside, the updates continue with new flooring and hardwoods throughout, creating a seamless flow from room to room. The kitchen has been refreshed, featuring beautiful cabinetry, countertops, and finishes that provide both style and function. The bathrooms have also been updated, offering a clean, contemporary feel with fixtures and finishes designed for everyday comfort. With five potential bedrooms, there is room for everyone-whether you need space for a growing family, a dedicated home office, or a quest room for visitors. The thoughtful lavout ensures flexibility to meet vour lifestvle needs. Tons of storage including a huge outbuilding and detached garage. Step outside and enjoy nearly half an acre of land, a rare find within city limits. The generous yard is perfect for gardening, play, or simply relaxing outdoors in the peace and quiet of this welcoming community. Appleton City is known for its small-town charm, where neighbors become friends and life moves at a more relaxed pace, yet you're still within reach of nearby towns and amenities when you need them. 409 W Miller Street is more than just a house-it's a place to put down roots, gather with family and friends, and create lasting memories. With its blend of small-town character and modern updates, this property is move-in ready and waiting for you to make it your own. Schedule your private showing today and come see all that this beautifully updated Appleton City home has to offer!

409 W Miller Street, Appleton City

Listing courtesy of Pamela Heman of Real Broker, LLC.
$49,999
*BACK ON MARKET AT NO FAULT TO SELLERS* The sellers are highly motivated and have recently made improvements to the property! Two of the three campers/trailers have been removed, leaving an expansive area with concrete-poured pads already on-site—perfect for future development or use. This allows the land to be presented in a cleaner, more appealing way for buyers! While the property is listed under Osceola, it is essentially located at Truman Lake, which may sometimes cause confusion regarding the location and directions. 3 Acres at Truman Lake – A Hunter’s Paradise! Discover this rare opportunity to own 3 wooded acres in the Whispering Oaks Subdivision. This gorgeous land is surrounded by Corps of Engineer land, just minutes from Truman Lake! The possibilities are truly endless! An absolute outdoor enthusiast’s dream – enjoy hunting for deer and turkey right on your doorstep, with world-class fishing nearby. Just 2 miles to the Osage River and only 9 miles to Talley Bend! This property is conveniently located just two minutes from the nearest boat ramp, offering quick and easy access to the water. Whether you’re looking for a peaceful getaway or a hunter’s retreat, this property has it all! This is a fantastic opportunity—schedule your showings today!!!

10065 NE 1399 Private Road, Osceola

Listing courtesy of Kyra Todd of Realty ONE Group Metro Home Pros.
$510,000
Hunter’s paradise meets lake-life retreat on this incredible 51.4± acre property bordering Corps of Engineers ground, giving you direct access to additional acreage to explore, hunt, hike, and enjoy right out your back door. With the added privacy and recreational benefits that core ground provides, this property offers the feel of owning far more land than the acreage itself. Designed with the outdoorsman in mind, the property is fully set up and ready to enjoy with 12 deer stands, miles of established trails, four food plots, and three watering holes strategically placed throughout the land. Whether you’re an avid hunter, wildlife enthusiast, or simply looking for a peaceful escape, this property delivers year-round recreation and endless opportunities. Tucked into the woods you’ll find a charming rustic-style cabin featuring beautiful oak siding and modern comforts for weekend getaways or you can choose to make some modifications and use this property for full-time living. The cabin is all electric, heated and cooled with a mini-split system and includes a kitchen featuring a unique vintage propane gas stove to add to the rustic charm. You also have the convenience of washer/dryer hookups in the cabin. A separate shed with electric provides additional storage options. As an added bonus, the sale includes a nearby lake lot with access to a community boat ramp on Truman Lake, making fishing, boating, and lake days easily accessible. This rare combination of hunting land, lake access, privacy makes this property a true outdoor haven.

SE 1100 Road, Deepwater

Listing courtesy of Lauren Milton of Golden Valley Realty Group.
$300,000
Here’s your chance to own rare acreage that borders Corps of Engineers property near Truman Lake Reservoir! This 52 +/- acres sits just west of Osceola, Missouri, and has great access right off blacktop Highway B. You will fall in love with the well-maintained and manicured setting, along with the outbuilding that is complete with living quarters. The building is approximately 24’x60’ and offers plenty of storage space for equipment and gear. The finished portion includes a sleeping area and bathroom. Relax and enjoy the large screened-in porch area with a stone wood-burning fireplace. Another bonus is the utility shed, perfect for storing additional equipment and tools. Beyond the outbuilding, you will discover your very own outdoor paradise that has it all! The property is heavily wooded with a great mix of hardwoods and patches of cedars. Deer and turkey hunting is excellent! Gravel road frontage along the west border provides additional great access points to stand locations. The north end has a large pasture field that would make for a great food plot. Salt Creek borders the northeast corner, which offers additional recreational fun. Best of all, the property backs up to Corps of Engineers land, providing direct access to thousands of public-use acres, including Mills Lake, less than 150 yards from the outbuilding. This setup is totally awesome and a perfect place to hunt, fish, explore, or simply to get away from it all. Access to boat ramps and fishing around Truman Lake is ideal. Talk about an incredible location for all things outdoors!

820 NW B Highway, Osceola

Listing courtesy of Skyler Wirsig of Midwest Land Group.
$995,000
3 Beds ⋅ 1 Baths
83+ Acres Overlooking the Sac River | Historic Cabin | Prime Recreational Retreat This is the kind of property people wait years to find. Spanning 83+ acres with sweeping views, along the half a mile plus of the Sac River, this tract offers a rare blend of history, privacy, and usability. The land lays beautifully with a mix of timber, open ground, and natural habitat—ideal for hunting, fishing, trail riding, or simply getting off the grid. There are a total of five ponds on the property. There are three large ponds that offer ample opportunity for fishing, two of which are spring fed with crystal clear water year round. The other two smaller ponds serve to provide water for the abundant wildlife. Much of the open ground is planted in native prairie grass. Close to a third of a mile of bluffs overlooking the river provide plenty of opportunities to build a new home or just enjoy the views. You'll often get to enjoy the sights and sounds of Bald Eagles soaring or fishing on the river and most every night the owls and whippoorwills will sing you to sleep.. and the stars!! Tucked into this landscape sits a charming cabin originally built in the 1800s. A cozy, rustic cabin where you can curl up next to the fire or sit out on the deck overlooking the river and the valley beyond. It’s the perfect basecamp for weekend escapes—or a full-time residence if you’re ready to trade noise for nature. The views are the real showstopper—elevated vantage points overlooking the river valley create a setting that feels expansive, peaceful, and completely yours. Whether you’re looking for a hunting/fishing property, recreational getaway, or a private homestead with history and soul, this one delivers. Highlights: 83+ acres overlooking the Sac River Over 1/2 mile plus of river frontage Charming historic cabin (1800s origin) Excellent hunting, fishing, and wildlife presence Scenic views and rolling terrain Ideal for recreation, weekend retreat, or full-time living

8780 SW 75 PVT Road, Osceola

Listing courtesy of Christopher Hooper of EXP Realty LLC.
$779,000
4 Beds ⋅ 2.5 Baths
This premier 15+/- acre estate in Saint Clair County, with multiple homes and outbuildings, is a family's dream come true. A luxurious 3,883 square foot 4 bed, 2.5 bath home is intentionally set on top of a hill overlooking a large pond out front and mature timber with a wet-weather creek behind the house for a stunning 360-degree view. Walking inside, you are greeted with a large family room, a fireplace, and a kitchen fit for a chef. A large 6-burner range is surrounded by custom granite countertops, and the large windows provide natural lighting along with a great view of the pool out back. The master bedroom is designed for a place of refuge and relaxation with large windows, a wood-burning stove, a jacuzzi tub, a walk-in shower, double sinks, and private access to the pool. A large family room on the other side of the kitchen provides a great space for entertaining, with access to the pool out back and an adjoining theatre room to continue the fun after a long day in the pool. Three large bedrooms can be found just down the hall, along with a large bathroom that has an oversize walk in shower with marble tile and countertop throughout. An attached 2-car garage gives access to vehicles regardless of the weather and storage space for the solar batteries powered by the 48-panel solar array outside. A partial walk-out basement provides extra space for storage, hobbies, and protection during storms. Next to the house is a spacious 40’x60’ shop with concrete floors, electricity, a 1/2 bath, and an indoor racquetball court. The second home is a cozy 2 bed, 2 bath manufactured home with an attached garage and is handicap accessible, making it ideal for all guests. The 20’x30’ shop next door provides ample space for lawn equipment, dirtbikes, ATVs, or extra work space for projects. The third house is a cottage-style 1 bed, 1.5 bath, just down the hill, and its location and privacy make it ideal for short-term rental income. An additional 64+/-acres is available.

5515 NW 451 Road, Osceola

Listing courtesy of Andy Unruh of Midwest Land Group.
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