St. Clair Homes with FHA Financing

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

$195,000
3 Beds ⋅ 2 Baths
Charming, recently remodeled home on a spacious corner lot. Welcome home to this adorable 3-bedroom, 2-bathroom home that has been recently remodeled and ready for its new owners. You are going to love the inviting large front porch-the perfect spot to relax with your morning coffee or unwind at the end of the day. Situated on a large corner lot, there's plenty of space to enjoy the outdoors, entertain, garden or let the kids run. A detached 2-car garage provides excellent parking, storage or workspace. Located in a nice neighborhood, close to town and schools this is the perfect place to call home. Don't miss out take a look today.

214 E 1st Street, Appleton City

Listing courtesy of Amy Anderson of Homes by Darcy LLC.
$785,000
3 Beds ⋅ 2 Baths
You'll fall in love with this gorgeous home on 17 acres complete with a 40x60 barn and 12ft lean to! Bring all the animals! Custom built and so many upgrades including: black on black double hung windows with tilt sashes, maintenance free exterior doors on front and back, maintenance free soffit, under porch roof metal wood grain siding, open cell spray foam insulation for house and attached garage, 2-reem high efficiency heat pump systems with duel fuel propane backups, Genereac whole house back up generator, Custom kitchen soft close cabinets, quartz countertops, farmhouse sink, amazing walk in pantry for appliance storage and modern slim microwave, GE Cafe 36" commercial gas range, Cafe French door refrigerator and Cafe dishwasher, luxury stone fireplace with electric insert solid core interior doors, high efficiency 50 gal propane water heater, Halo 5 whole house water filtration and conditioner unit, 5x9 custom walk in tiled primary bath shower with 3 shower heads including a rain head, LVP waterproof flooring throughout and upgraded carpet and pad in the bedrooms. insulated custom garage doors on house, garage and barn and new perimeter fencing. Plus more!! You really won't want to miss this home!!

4674 NW B Highway, Appleton City

Listing courtesy of Darcy Roach of Homes by Darcy LLC.
$1,750,000
8 Beds ⋅ 8.5 Baths
Welcome to Top of the World, a truly one-of-a-kind 52+ acre property overlooking the Osage River and the town of Osceola. With breathtaking views, multiple residences, an established event venue, ponds, outbuildings and abundant acreage, this unique property offers endless possibilities for a private estate, family compound, retreat, event destination or income-producing property. The estate features four separate living spaces. The main residence offers 3 bedrooms, 2 baths and an impressive Great Room designed for gathering and entertaining. A second home located just behind the main residence features 1 bedroom, 1 bath and the property's original ice house. Two additional cabins provide even more accommodations, including a 2-bedroom, 1-bath cabin built in 2017 and another 2-bedroom, 1-bath cabin overlooking the pond with a partially covered wraparound deck. At the heart of the property is a versatile event venue equipped with a full kitchen, laundry facilities, storage, separate men's and women's restrooms, dressing areas and expansive covered outdoor entertaining space. A large patio and deck overlook the stocked pond, creating an incredible setting for weddings, retreats, reunions, corporate gatherings and private events. The property itself is just as impressive. An artesian well continually supplies fresh water to the pond, while the combination of open acreage and wooded areas creates a beautiful and private setting. Multiple garages, barns and outbuildings provide ample room for equipment, storage, hobbies or future uses. Whether you're searching for a remarkable private estate, multi-generational property, event venue, retreat destination, short-term rental opportunity or a property where you can live, work and entertain all in one location, Top of the World offers a combination of improvements, acreage and views that is nearly impossible to duplicate.This isn't simply a home on acreage—it's an opportunity to create a destination.

2105 NE 315 Pvt Road, Osceola

Listing courtesy of Leah Beck of ReeceNichols - Lees Summit.
$533,519
4 Beds ⋅ 3 Baths
Nestled in the mature timber and rolling hills of Saint Clair County sits this custom log home on 18 +/- acres. Step into peace and serenity with your own private pond, large outbuildings, and plenty of room to roam. The home is a spacious log home with vaulted ceilings, hardwood floors, and large windows that allow in buckets of natural light. The ground floor has 3 bedrooms, 2 full bathrooms, and a large living room with vaulted ceilings. An oversized back deck is accessible through the kitchen and is a PERFECT spot to watch wildlife while sipping on hot coffee in the morning. The walkout basement is finished with a bedroom, a full bath, and a large living area. An unfinished garage is also part of the basement, which provides enough space to park a UTV, zero-turn mower, or just extra storage out of the elements. A large two-car garage on the ground floor provides ample space to keep your vehicles warm, dry, and ready to go even in the coldest of weather. The large shop has concrete floors and electricity with more than enough room for projects, storage, or even a place to host large events. A horse barn with multiple stalls and tack room is a great addition for anyone with horses or other livestock needing a place out of the elements. The wooded areas surrounding the house are full of mature oak, walnut, and hickory trees. Deer and turkey travel through this area and can be viewed visiting the pond from the large deck. If you have been looking for a peaceful home, spacious getaway, or somewhere to retire, this is the place for you.

6030 SE 740 Pvt Road, Collins

Listing courtesy of Andy Unruh of Midwest Land Group.
$138,000
2 Beds ⋅ 1.5 Baths
Single-story residential home with approximately 988 square feet of gross living area, 2 bedrooms, and 1 full bathroom and half bathroom. Situated on a 0.25-acre level lot, the property is constructed on a concrete slab foundation. Exterior features include vinyl siding and a metal roof. Parking and storage facilities consist of an attached 1-car garage with a fronting metal carport, alongside a separate detached metal garage/workshop outbuilding with dedicated driveway access. This is a Fannie Mae HomePath® property. HomePath® is proud to launch our HomePath® Ready Buyer program. Please see the website for details.

809 S Taylor Street, Lowry City

Listing courtesy of Michael Zouglas of REO Xpress LLC.
$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.
$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.
$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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