St. Clair Homes with FHA Financing

Welcome to St. Clair County, Missouri, a hidden gem nestled in the heart of the Show-Me State. Known for its picturesque landscapes and friendly community, St. Clair offers a perfect blend of rural charm and modern convenience. With its rich history, vibrant local culture, and access to outdoor recreational activities, this county is an ideal place for families, retirees, and anyone seeking a tranquil lifestyle.

St. Clair County is home to a variety of amenities, including local shops, restaurants, and parks that cater to residents of all ages. The county's proximity to major highways provides easy access to nearby cities, making it convenient for commuters while still allowing for a peaceful, small-town atmosphere. Whether you’re exploring the scenic Meramec River or enjoying a day at one of the local festivals, there’s always something to do in St. Clair.

For prospective homeowners, St. Clair County offers a range of housing options, including homes eligible for FHA financing. This is great news for first-time buyers and those looking to invest in their future. FHA financing allows for lower down payments and flexible credit requirements, making homeownership more accessible than ever. With a variety of charming homes available, from cozy cottages to spacious family residences, you’re sure to find the perfect place to call home.

Explore the beauty and community spirit of St. Clair County. Your dream home awaits, and with FHA financing options, stepping into homeownership has never been easier!

Newest St. Clair Homes with FHA Financing

$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.

$229,900

3 Beds ⋅ 2 Baths

Welcome this this beautifully built new construction home offering 3 bedrooms, 2 full baths, plus an office space across approximately 1,300sq ft. of thoughtfully designed living space on a .20 acre lot. Step inside to a warm, inviting layout featuring a bright open concept design that makes the home feel both cozy and functional. The kitchen is complete with stainless steel appliances (stays with home), plenty of counter space, and beautiful cabinetry. The split bedroom floor plan offers added privacy, white the bonus office space provides flexibility for working from home, hobbies, or addition guest space. Enjoy your morning coffee on the covered front or back porch. Located in Osceola, you'll appreciate the small town feel while also being VERY close to the Osage arm of Truman Lake, adding an extra layer of outdoor recreation nearby. Move in ready. 1 year builder warranty. Buyer to confirm dimensions.

140 C Street, Osceola

Listing courtesy of Jordan Bush of Homes by Darcy LLC.

$549,000

3 Beds ⋅ 2 Baths

Tucked away at the end of a quiet private road in Collins, Missouri, this 3-bedroom, 2-bath home is the kind of place you can truly settle into. With 2,500 square feet of living space, it strikes a great balance between comfort and character--featuring hardwood floors, detailed crown molding, and just enough antique charm to make it feel warm and inviting without losing that polished look. The finished walkout basement adds even more room to spread out, with its own kitchen and bathroom providing ample entertainment space. Step outside and you'll find 81+\- acres that really speak for themselves It's mostly wooded, giving you that peaceful, tucked-away feel, but there's also a small pond and open, fenced areas ready for horses or livestock. If you enjoy gardening, you'll love the large fenced-in garden--complete with peach, pear, and pecan trees and grapes--and protected with a 9-foot deer fence so your hard work stays yours. The extras here really make the property stand out. There's a 30x40 shop with two heated rooms (and one cooled), perfect for projects, storage, or a workspace. A cozy little ''she shed'' with electricity gives you a quiet place to unwind or get creative, and there's even a well-kept storm shelter right in the yard. With plenty of deer and turkey around, it's a great spot for hunting--or just soaking in the kind of quiet, natural beauty that's getting harder to find.

5855 SE 981 PVT RD N/A, Collins

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.

$449,000

4 Beds ⋅ 2 Baths

Home for sale St. Clair County Missouri Situated on 42± acres in St. Clair County, Missouri, this charming 4-bedroom, 2-bath, 2,748sqft home offers the perfect mix of comfort, space, and peaceful country living. Inside, you'll find a warm and inviting atmosphere highlighted by beautiful wood peaked ceilings that create an open, spacious feel throughout the main living area. Large windows throughout the home fill the space with natural light while offering scenic views of the surrounding countryside. The home is serviced by a private well and septic as well as central air and propane heat. House for sale Osceola Missouri A bright sunroom/entry way provides the perfect place to relax, enjoy your morning coffee, or take in the views of your acreage and the abundant wildlife that frequent the property. The home also features a circle driveway for easy access and added curb appeal and is located within the El Dorado Springs School District. With plenty of room for recreation, livestock, or simply enjoying the privacy of rural living, this 42± acre property offers endless possibilities for anyone looking to enjoy the beauty and tranquility of the Missouri countryside.

875 SW Highway 54 N/A, Osceola

Listing courtesy of Dylan Piccoli of United Country Buckhorn Land a.

$1,500,000

3 Beds ⋅ 3.5 Baths

A true Triple Feature property including an amazing home, 222+/- acres of land and a guest house. Tucked away just outside Osceola, MO, this exceptional listing offers the rare combination of luxury living and privacy all on an expansive property. Situated on just over 222 acres, the land features a beautiful mix of mature woods, timber, ponds, open pasture and ample wildlife, including an abundance of deer and turkey. The main residence has an impressive nearly 6,000 sq ft of living space. Built in 2009 and designed for both comfort and function, this home offers 3 bedrooms and 3.5 bathrooms, including a main level master-suite with double walk-in closets. The gorgeous kitchen stands out, featuring high-end finishes and a huge walk-in pantry. Enjoy the views on the amazing screened-in porch and the expansive covered patio overlooking your piece of heaven. Additional features include a massive 3-car garage for your cars, side-by-sides and outdoor toys. And its temperature controlled too! For hunters or security needs the basement includes a secure 400 + sq ft safe room with a Smith Security Safes Inc’s vault door. A Generac whole-home generator, for peace of mind, is another perk. A fully functional guest house adds tremendous value, featuring its own kitchen, living room, bedroom loft and garage—perfect for guests, extended family, or rental potential. The Property has road frontage on three sides; access is excellent while still maintaining a secluded feel with the main residence sitting one half a mile off the highway. The timber offers unlimited opportunity for hunting and recreation. Mixed in is over 30 acres of easily accessible pastureland and/or hay fields, further enhancing this properties potential.

3815 476 Road, Osceola

Listing courtesy of Triple Key Team of RE/MAX State Line.

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