Vernon Homes with USDA Loan Financing

Welcome to Vernon County, located in the state of Missouri! Known for its picturesque landscapes and charming small towns, Vernon County offers a peaceful and welcoming environment for residents. With a rich history and strong sense of community, this area is perfect for those looking to settle down and enjoy a slower pace of life.

If you're considering purchasing a home in Vernon County, you'll be pleased to know that there are plenty of options available with USDA loan financing. This type of loan is a great choice for homebuyers looking to purchase in rural or suburban areas, offering competitive interest rates and low down payment requirements. With USDA loan financing, you can make your dream of homeownership a reality in Vernon County.

Whether you're searching for a cozy cottage in the countryside or a spacious family home in town, Vernon County has something for everyone. From historic properties with character to modern homes with all the amenities, you're sure to find the perfect place to call your own in this lovely county.

Don't miss out on the opportunity to own a home in Vernon County with USDA loan financing. Contact us today to learn more about available properties and start your journey to homeownership in this beautiful part of Missouri.

Newest Vernon Homes with USDA Loan Financing

$235,000

3 Beds ⋅ 2 Baths

Welcome to low-maintenance living at its finest in the highly desirable Oaks, in Nevada, MO! This immaculate 3-bedroom, 2-full-bathroom patio home combines timeless quality with smart, modern comfort—boasting 1,753 square feet of beautifully maintained space that feels welcoming from the moment you step through the door. At the front of the home, a sun-drenched kitchen serves as an ideal morning spot, complete with solid wood cabinetry, a full suite of appliances (stove, refrigerator, and dishwasher), and a picture-perfect breakfast nook anchored by a classic arched window. The expansive living space is truly designed for versatility, pairing an integrated work-from-home desk with custom built-ins and a dedicated dining area—perfect for quiet dinners or hosting gatherings. Step through the sliding glass doors to extend your living space outdoors onto a peaceful, covered patio. Enjoy complete peace of mind with fresh updates already taken care of: half of the interior features brand-new paint, and every square foot of tile and carpet has just been professionally cleaned for a crisp, turn-key finish. The primary suite delivers a sanctuary of its own, with an expansive walk-in closet and a double-vanity ensuite. Complete with a dedicated laundry room and an attached garage with storage cabinets, this home offers maximum functionality. Best of all, the ultra-affordable $50/month HOA fee handles trash service, lawn care, and main road snow removal—allowing you to simply relax and enjoy your new home.

522 S Prewitt Street, Nevada

Listing courtesy of Vanessa Leisure of CURTIS & SONS REALTY.

$275,000

3 Beds ⋅ 3 Baths

Welcome to your peaceful country retreat, perfectly situated on 2 pristine acres just south of Nevada on BB Highway! This beautifully located property offers over 2,400 square feet of comfortable living space, balancing serene, wide-open country living with convenient highway access. The heart of the home features a bright dining area that opens directly to a screened-in deck, creating the ultimate setup for hosting family and friends while enjoying views of the backyard. In the kitchen, you will find a full suite of brand-new appliances, along with a dedicated laundry room nearby for ultimate convenience. Comfort and peace of mind are built right into this home. It features a highly efficient geothermal heating and cooling system to keep your utility bills low year-round, alongside two cozy fireplaces that add incredible warmth and character. Plus, major exterior updates are already taken care of, as the home will be getting a brand-new roof and gutters soon. The layout provides fantastic flexibility, especially in the basement. Featuring durable epoxy floors, a full bathroom, and its own fireplace, the lower level offers massive potential to be transformed into a luxurious, private primary suite or room for a second living area, game room, or hobby space. Access is a breeze thanks to the 2-car attached garage, which features a smart mudroom entry leading straight into the basement to keep dirt out of the main living areas. Outside, the peaceful 2-acre +/- setting is complemented by functional outbuildings that are perfect for hobbies, tools, or extra storage. Boundaries are entirely worry-free, as the land was recently surveyed with the flags still clearly visible. Don't miss this rare opportunity to own a spacious, energy-efficient home with plenty of room to breathe in a quiet, highly desirable location. Contact the listing agent today to schedule your private tour!

23672 S BB Highway, Nevada

Listing courtesy of Kaeth Woods of CURTIS & SONS REALTY.

$293,500

3 Beds ⋅ 3 Baths

Plenty of room inside and out! This 3-bedroom, 3-bath split-level home offers approximately 2,624 square feet of finished living space and sits on 1.92 acres m/l in Nevada. Built in 1987, the home features 1,812 square feet above grade plus approximately 812 finished square feet below grade, providing multiple living areas and plenty of flexibility. The spacious main living room features a distinctive ceiling detail, large bay window and abundant natural light. A generous dining area leads into the kitchen with ample cabinetry, stainless steel appliances and detailed tile flooring. The bedrooms are nicely sized, and the finished lower level provides a large recreation/family room with plenty of space for entertaining, hobbies or a game room. Major improvements include a new roof and two HVAC units installed in 2023. Outdoor features include a long covered front porch, rear covered deck, additional balcony/deck space, mature trees and a partially fenced yard. The attached 3-car garage offers excellent parking and storage, and the separate 24' x 32' outbuilding provides even more room for a workshop, equipment or recreational vehicles. With over 2,600 square feet of finished living space, 1.92 acres m/l, three garage bays and a separate outbuilding, this property offers a combination of space and amenities that's hard to find

16372 S 1338 Road, Nevada

Listing courtesy of Andy Remington of CURTIS & SONS REALTY.

$151,900

3 Beds ⋅ 2 Baths

Charming 3-Bedroom Bungalow Near Schools — Modern Upgrades with a beautiful yard A bright, inviting 3 bedroom, 2 bathroom bungalow that blends classic comfort with modern convenience. Located within walking distance to local schools, this home is perfect for anyone seeking an easy, connected lifestyle. Key Features Designated primary bedroom with full bath and walk-in shower 3 full bedrooms and 2nd full bath Replacement vinyl windows and concrete covered front porch Open-concept living — The dining and living areas flow seamlessly together, anchored by a stylish kitchen bar that lets you serve friends and family right from the heart of the home. Brand-new stainless appliances — A complete upgraded package brings efficiency, durability, and a polished look to your kitchen. Dedicated laundry room — Convenient, spacious, and tucked away for noise control. Workshop with concrete flooring and attic rafter storage — Ideal for DIY projects, hobbies, or extra storage.

705 N Clay Street, Nevada

Listing courtesy of Lori BURES of Shannon & Associates.

$149,900

2 Beds ⋅ 1 Baths

This bright and beautifully updated 3-bedroom, 1-bathroom home is a smartly designed space. Step inside to a sun-drenched living room featuring warm luxury vinyl plank flooring, crisp white walls, and a sleek modern ceiling fan. The kitchen boasts two-toned cabinetry in sage green and white, rich butcher block countertops, a classic subway tile backsplash, and a full suite of stainless steel appliances. The bathroom features large-format marble-look tile surrounding a bathtub, matte black fixtures, and a sleek navy vanity with a round mirror. Each bedroom offers gleaming hardwood-style floors, generous closets, and natural light streaming through bright windows with outdoor views. Every inch of this home has been renewed with care for move-in-ready living.

609 W Lee Street, Nevada

Listing courtesy of J.J. CURTIS of CURTIS & SONS REALTY.

$150,000

4 Beds ⋅ 2 Baths

Country Home and Small Acreage on Dead-End Location: For sale in rural, Vernon County, Missouri is this 4 bed, 2 bath home sitting tucked away just south of the Osage River. The location is inviting with mature oak trees, farm field view, circle drive, and a sprawling front porch. The country home boasts 1,958 sq ft of living space featuring a formal foyer, living room, dining room, and stunning kitchen with plenty cabinets, countertop footage, and bar space. If you are looking for sufficient master bedroom space, this home offers a 17’x17’ bedroom, full bathroom, and walk-on closet. Bonus features to the home include a large storage room/utility room, covered patio area, partial basement, and large concrete slab for parking, recreation or add your own building. This property is super affordable, especially for a 4 bedroom, and is a great price point for your country home dream. Located just a few miles from Four Rivers Conservation Area (~14,000 acres) and Schell-Osage Conservation Area (8,600 acres), you have over 22,000 acres of hunting, fishing, and recreation at your finger tips. Call today to schedule an appointment for your own private tour. Welcome to the Country!

2096 S 2500 Road, Schell City

Listing courtesy of Ryan Hubbard of United Country American Heartl.

$147,000

3 Beds ⋅ 1 Baths

Located just outside the city limits of Nevada, Missouri, this 3-bedroom, 1-bath ranch-style home offers approximately 1,100 square feet of single-level living on a .35-acre lot. With a fenced yard, attached one-car garage, covered back patio, two storage buildings and a newer roof, this property offers a great combination of indoor and outdoor space. Inside, hardwood flooring runs through the living room and hallway, with carpet in the bedrooms. The home also features central heat and air, a functional kitchen and dining area, and a practical floor plan with plenty of opportunity to make the space your own. Outside, mature trees provide shade while the fenced yard offers room for pets, play, gardening or outdoor activities. The covered back patio creates a comfortable spot for relaxing, grilling or entertaining, and two storage buildings provide additional space for lawn equipment, tools, hobbies and seasonal items. The attached one-car garage adds convenient covered parking and additional storage. Located outside Nevada city limits while still offering convenient access to town, this property is a great option for buyers searching for a 3-bedroom home near Nevada, MO with a fenced yard, garage and extra storage. Schedule your private showing today!

18822 S 1491 Road, Nevada

Listing courtesy of Ashlee Whittington-Duncan of CURTIS & SONS REALTY.

$129,900

2 Beds ⋅ 1 Baths

Welcome to this turn-key, freshly updated bungalow where timeless charm meets modern convenience. Step inside to find gleaming hardwood floors, crisp new paint, and brand-new LED lighting that brightens every room. The layout is warm, inviting, and ready for your personal style. Major updates are already done — enjoy peace of mind with a newer roof, and newer central heat & air, and an attic fan that boosts comfort and efficiency. Every detail has been refreshed to make moving in effortless. Just bring you and your belongings. Nestled between Cottey College and Radio Springs Park, this home offers unbeatable access to education, recreation, and Nevada’s community amenities. Whether you’re a first-time buyer, downsizing, or investing, this bungalow delivers exceptional value and true turn-key convenience. Why Buyers Love It Fully move-in ready Major systems updated Classic hardwoods and bungalow charm Energy-efficient features Walkable, peaceful location Priced to sell!

816 S College Street, Nevada

Listing courtesy of Lori BURES of Shannon & Associates.

$279,900

3 Beds ⋅ 2.5 Baths

Just under 2 acres beckons you! Welcome to this inviting open-concept raised ranch seamlessly combines modern comfort, incredible functionality, and peaceful outdoor living. Step inside to an airy main living space designed for easy entertaining and everyday relaxation. The layout features three generously sized bedrooms, highlighted by a serene primary suite complete with a private bath, an extra bonus closet right in the bathroom, and a custom walk-in shower equipped with a built-in bench. Be the first to use the brand-new stainless-steel appliance package and set foot on newly installed flooring. If storage is at the top of your wish list, this home delivers in spades. The dedicated laundry room is an organizer’s dream, featuring a massive pantry, an additional closet, and a built-in folding table. Year-round comfort and energy savings are made simple with a newer HVAC system and a whole-house attic fan to capture those breezy cool evenings. Downstairs, the full unfinished basement offers endless potential to expand or customize, already complete with a convenient half bath and a deep workbench outfitted with its own sink—ideal for tinkering, crafting, or hardware projects. The outdoor setup is a true dream for hobbyists, mechanics, or outdoor enthusiasts: Four Outbuildings: Features a 2-car detached garage, an impressive 913 sq. ft. pole barn, an additional storage shed, and a handy lean-to. RV Parking: An oversized RV carport keeps your camper, boat etc. protected from the elements. Unwind at the end of the day on your private covered back deck, taking in sweeping views of a tranquil, scenic country landscape. You get all the peace and quiet of a rural oasis while staying comfortably within city limits.

1232 N Tucker Street, Nevada

Listing courtesy of Lori BURES of Shannon & Associates.

$360,000

4 Beds ⋅ 4 Baths

Dreaming of peaceful country living without giving up the convenience of town? This 4-bedroom, 4-bath ranch sits on 19.5 acres at the quiet edge of Sheldon, offering a rare combination of space & versatility for livestock &/or workshop needs. The beautiful brick exterior, newer metal roof, newer HVAC provide low-maintenance appeal, while the attached 2-car garage makes coming home easy during inclement weather. Drop your bags inside the back door & gather around the open kitchen/dining area, where bar seating, abundant cabinetry & counter space, along with a multi-tier pull-out pantry make busy family life extra enjoyable. Picture everyone chatting about their day while dinner is prepared, then gathering in the inviting living room with its impressive vaulted ceiling, oversized windows & gas fireplace. As the seasons change, cozy up by the fire & watch the fall colors unfold outside. Three bedrooms & 3 baths are located on the main level, each with spacious walk-in closets. Approximately 1/2 of the walkout basement is finished with a SECOND KITCHEN, eat-in dining area, family room, bedroom & full bath-ideal for separate living quarters, guests &/or hobbies. The unfinished area provides storage & living space expansion opportunities, along with a concrete storm/safe room ready for a door to be added. Step outside & discover 5 additional outbuildings: a 40x60 metal shop/barn with electricity, concrete floor & drive-through doors for large equipment; metal machine shop w/elec; metal hay barn; traditional barn with upper hay loft; metal loafing shed; & small tool/gardening shed. Bring your horses & livestock!! The acreage is fenced & cross-fenced with an automatic waterer, frost-free hydrant, small pond & a wet-weather creek. An old covered well may offer potential for restoration for livestock &/or gardening use. This property is the perfect home & acreage to spread out, grow together, enjoy the changing seasons & truly love country living, while close to town.

905 W Main Street, Sheldon

Listing courtesy of Ginger Nance of Stutesman's Action Realty.

$324,500

4 Beds ⋅ 3.5 Baths

Imagine owning a property that truly has it all—space, luxury, and unmatched versatility. This incredible 4-bedroom, 3.5-bathroom estate is designed for those who want more out of a home. The main level pulls you in with an expansive great room featuring a cozy floor-to-ceiling brick hearth, a sunny formal dining area, and a bright sunroom with panoramic country views. Modern kitchen finishes and open-concept living make daily life a breeze, but that is just the beginning. The lower level is a game-changer, boasting a full second kitchen (complete with an included upright freezer!) and massive flexible bonus rooms—perfect for a private guest suite, home theater, or game room. Step outside into your personal backyard paradise, where you can unwind year-round in your private swim spa or entertain under the massive custom gazebo. Hobbies and storage are fully covered with multiple detached garage workshops built for big projects, vehicles, and equipment. Space, freedom, and multi-generational living potential like this don't come around often—schedule your private tour before it's gone!

109 E Hardin Place, Nevada

Listing courtesy of J.J. CURTIS of CURTIS & SONS REALTY.

$375,000

4 Beds ⋅ 2.5 Baths

Welcome to this exceptionally high-end, 4-bedroom, 2.5-bath home offering quality, comfort, & thoughtful design throughout. Located just outside of Nevada, Missouri, this impressive property features 2,560 finished square feet, spacious living areas, beautiful finishes, & amenities designed to make everyday living both comfortable & enjoyable. The first floor offers an open-concept living room, breakfast area, & kitchen, creating a nice space for gathering & entertaining. A built-in gas fireplace adds both warmth & ambiance. The high-end kitchen features stainless appliances, Corian countertops, a double wall oven, & an oversized gas cooktop in the dining island. A formal dining room provides additional entertainment space, while the front room could serve as an office or bonus living area. A convenient half bath & large first-floor laundry room complete the main level. Upstairs, all four bedrooms are thoughtfully situated, including a spacious primary suite with a large bedroom, recently updated luxury bathroom featuring a glass-and-tile walk-in shower & jetted tub, plus a large walk-in closet. Three additional bedrooms share a full bathroom. The attached 2-car garage provides convenient parking & has additional storage space for a lawn mower or golf cart. The large deck offers a great place to relax & a collapsible awning improves the shady comfort as you enjoy the fenced-in yard. Additional features include newer HVAC, updated LED can lights & lighting fixtures, surround sound in the living room. As a bonus, a whole-house water system with purifier, softener, & reverse osmosis at the kitchen sink is available with a strong offer. The desirable location just south of Nevada, MO provides is the perfect mix of high-end homes, country setting, & convenience to amenities. Homes offering this combination of quality, space, & features don't come along often. Call today to schedule your private showing & see everything this exceptional property has to offer!

18976 S 1485 Road, Nevada

Listing courtesy of Ryan Hubbard of United Country American Heartl.

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