Odessa Homes with FHA Financing

Odessa Homes with FHA Financing

Welcome to Odessa, Missouri, where community spirit meets educational excellence! Nestled in the heart of Lafayette County, Odessa boasts a vibrant school district that is dedicated to fostering a nurturing and engaging learning environment for students of all ages. The Odessa R-VII School District is known for its commitment to academic achievement, innovative teaching methods, and a wide array of extracurricular activities that encourage students to explore their passions.

Families relocating to Odessa will find a variety of educational opportunities, from early childhood programs to advanced placement courses in high school. The district prides itself on maintaining small class sizes, allowing for personalized attention and fostering strong relationships between educators and students. With a focus on preparing students for future success, Odessa’s schools emphasize not only academics but also character development and community involvement.

For those considering making Odessa home, the real estate market offers a range of options, including homes that qualify for FHA financing. This makes it easier for first-time homebuyers and families to secure affordable housing in this charming town. Whether you’re looking for a cozy starter home or a spacious family residence, Odessa has something to fit every lifestyle and budget.

Embrace the opportunity to become part of this welcoming community, where quality education and a supportive atmosphere create the perfect backdrop for raising a family. Discover your dream home in Odessa today and experience all that this delightful town has to offer!

Newest Odessa Homes with FHA Financing

$292,000
3 Beds ⋅ 2.5 Baths
Are you ready for quiet evenings on your recently expanded back deck? Come take a look! The upstairs features a spacious kitchen and living room with all three bedrooms as well. The primary bedroom features a full bathroom with a walk in closet. Once downstairs, you'll find a second living room and another half bath. The other half of the basement is a two car garage with plenty of storage space. Along with a recently replaced back deck, the exterior has seen an updated paint scheme.

309 E Phillips Street, Odessa

Listing courtesy of Vincent Barker of Weichert Realtors - Generations.
$699,900
3 Beds ⋅ 3 Baths
Escape to peaceful country living with this beautifully updated homestead on 18.63 scenic acres in the Odessa School District! Situated on pavement, this well-maintained home offers the perfect blend of modern updates and serene surroundings. The spacious kitchen features stained cabinetry, abundant cabinet space, granite countertops, and all kitchen appliances stay. A full-size refrigerator in the finished basement wet bar is also included. Refinished hardwood floors flow throughout the main living areas and main-floor bedrooms, while ceramic tile flooring accents the bathrooms. Gather around the cozy wood-burning fireplace with its beautifully refaced granite hearth. The finished walkout basement provides additional living space with luxury vinyl plank flooring, a wet bar, and a non-conforming fourth bedroom that's ideal for guests, a home office, or hobby room. Step outside to enjoy the newer patio overlooking the picturesque property or cool off in the 4-year-old in-ground saltwater sports pool. The 30' x 50' shop with a concrete floor, electricity, and attached lean-to offers plenty of room for equipment, projects, or storage. Additional updates include newer main-floor windows, making this home as efficient as it is beautiful. With 18.63 acres of room to roam, incredible outdoor amenities, and a peaceful setting, this property offers the best of country living while remaining conveniently accessible. Don't miss this rare opportunity to own your own slice of paradise!

12321 U Highway, Odessa

Listing courtesy of Asheley Sisk of RE/MAX Heritage.
$295,000
3 Beds ⋅ 2.5 Baths
Nestled in an established neighborhood at the end of a quiet, short street, this home offers a peaceful setting where you can relax and enjoy the backyard and inground pool without the noise or concern of through traffic. With plenty of room for everyone, the main level features three spacious bedrooms and two full baths, while the finished walk-out basement adds even more living space with a large rec room, a den or home office, and a convenient half bath with easy access to the pool—perfect for entertaining or enjoying summer days.

408 E Walnut Street, Odessa

Listing courtesy of Danette Kay Iman of Heritage Realty.
$799,000
3 Beds ⋅ 3.5 Baths
Resort lifestyle meets peaceful country living on private Bass Lake. Nestled on 5 manicured acres on 40-acre Bass Lake, this exceptional property offers privacy, recreation, & everyday comfort. A picturesque tree-lined blacktop drive leads you to an entertainer's dream. Enjoy the in-ground pool, relax in the hot tub, fish from your private dock (with electricity), gather around the fire pit, or unwind in the peaceful garden. The expansive deck overlooks the beautifully landscaped backyard, while lake-fed irrigation keeps the grounds looking their best. A whole-home generator adds year-round peace of mind. Three impressive outbuildings provide endless possibilities. The largest is fully insulated with concrete floors, mini-splits, a greenhouse & overhead doors. A 2nd insulated outbuilding is ideal for lawn equipment or toys, while the enclosed four-season lakefront fish house with electricity lets you enjoy the lake year-round. Oversized 3-car garage features an electric lift for easy attic storage & access to a convenient lean-to. Inside, hardwood floors lead through the formal dining room into the spacious kitchen, breakfast area, & inviting living room with an ultra-efficient pellet stove. The main-level theater room offers flexibility & could be converted to a primary suite. Upstairs, the primary suite features a private balcony, walk-in shower, double vanity, & walk-in closet. 2 additional bedrooms share a Jack-&-Jill bath, upstairs laundry & finished attic space provide room for an office, hobbies, or storage. Walkout lower level offers space for games or pool table, plus a full bath & non-conforming bedroom/office. Bass Lake is private to property owners, offering fishing, swimming, & no-wake boating. Convenient access to I-70 provides an easy commute, while nearby II Pillar Estates will introduce thoughtfully designed acreage homes, enhancing the surrounding community. A truly one-of-a-kind property where every day feels like a getaway.

1003 Top Water Drive, Bates City

Listing courtesy of Derek Randall of ReeceNichols - Lees Summit.
$220,000
3 Beds ⋅ 1 Baths
True one level living on nearly 1 acre. This home has a great layout, spacious rooms, and charming older home details. There have been many updates over the last 4 years. The updates would include - roof, windows, exterior doors, central air, heat pump, electric backup and shower tile. There is a lot of room for a nice sized garden. In addition, there is a single car garage with a concrete floor and a walk-in door.

305 E Orchard Street, Odessa

Listing courtesy of Donn Quick of Home Realty.
$334,900
3 Beds ⋅ 2.5 Baths
Welcome home to this beautifully renovated 3-bedroom, 2.5-bath residence situated on a desirable corner lot in a convenient location within walking distance of local schools. This move-in-ready home has been completely updated from top to bottom, offering the perfect blend of modern style and everyday comfort. Step inside to discover fresh paint throughout, new flooring, updated light fixtures, and a warm, inviting fireplace that creates the perfect gathering space. The stunning kitchen has been thoughtfully remodeled with quartz countertops, a new stainless steel sink, and a stylish ceramic tile backsplash, making it both functional and beautiful. The updated bathrooms feature modern finishes and fixtures, while the spacious layout provides room for everyone to enjoy. A two-car garage adds convenience and additional storage. With extensive updates already completed and countless improvements throughout, this home is ready for its next owner to move in and enjoy. Don't miss this opportunity to own a beautifully renovated home in a fantastic location!

501 W McDowell Avenue, Odessa

Listing courtesy of Cindy Middleton of RE/MAX Premier Properties.
$419,000
4 Beds ⋅ 2 Baths
Listen to the coyotes cry at night! Newer built home in the country with a lot size easy enough to take care of over a 3rd of an acre. Lake Lafayette is approx 1/4 mile walk from home and is a private lake with Gated, keyed entry. Beach area, boat ramp and dock, outdoor bathroom. Swimming, fishing, jet ski, and tubing, all is allowed. Concrete floors are stained along with porches, heating coils have been laid, ready for boiler to be installed by purchaser . Doors are 36in for wheel chair access except for hall bath. Both baths have blue tooth speakers and heat defrost lighted mirrors. Kitchen does have a lot of soft close cabinets, a six foot island, deep sinks, and touchless faucet. Large walk- in closet in Master bath with Jacuzzi tub and walk in shower. Lot is fenced in rear and on both sides .Separate building on property with water and electric run to building in order to finish for guests or for a shop, has it own septic system Small storage building in back of house. Many appliances to stay, please see disclosure. Circle drive to be graveled next week.

2898 BLUE BIRD Street, Odessa

Listing courtesy of Jonise Stone of Platinum Realty LLC.
$399,000
4 Beds ⋅ 2 Baths
The kind of home people wait for...and rarely find Set on nearly 3 acres , this early 1900s farmhouse delivers the character, space, and setting that´s getting harder to come by. The wraparound porch makes the first impression--and lives up to it--offering the perfect place for slow mornings, quiet evenings, and everything in between. Inside, you´ll find over 2300 square feet of living space with original woodwork, 9-foot ceilings, and details that give the home its warmth and personality. The main level is designed for everyday living, with the kitchen, butlers pantry, dining and living areas all easily connected. A screened-in back patio extends your space outdoors, making it just as functional as it is inviting. With 4 bedrooms and 2 full bathrooms, there´s room to grow, host, or simply spread out. The oversized 3 car garage and full basement with built -in shelving provide the kind of storage most homes lack--adding practicality to the charm. Located in the Odessa School District and just minutes from I-70, this property offers the balance of peaceful country living with convenient access to town. Homes with this combination of acreage, character and livable space don´t come around often--and they don´t stay available for long.

210 S Sallie Street, Mayview

Listing courtesy of Steve Lowe of ReeceNichols - Lees Summit.
$415,000
3 Beds ⋅ 2 Baths
Welcome to country living with room to spread out! This updated 3-bedroom, 2-bath ranch sits on nearly 6 acres and offers the space, functionality, and versatility you've been looking for. Inside, you'll find an updated kitchen, newer flooring throughout, and a comfortable layout designed for everyday living. The partially finished basement adds extra living space with a non-conforming bedroom and plenty of room to finish additional areas to suit your needs. The heating and air conditioning system is only 2 years old, giving you peace of mind for years to come. Outside, the property features three mature producing pecan trees, an attached 2-car garage, partial fencing, and a pole barn. The highlight of the property is the impressive 40' x 80' shop with concrete floors, 10-foot overhead doors, a wood stove, and propane furnace. Whether you need space for a workshop, equipment storage, hobbies, or future projects, this building offers endless possibilities. If you're looking for a well-maintained home with acreage, outbuildings, and plenty of room to grow, this property is a must-see.

4457 Gillen Road, Odessa

Listing courtesy of Megan Blake of Heritage Realty.
$350,000
3 Beds ⋅ 3 Baths
Welcome home to this sprawling ranch nestled in a quiet country community. Offering 3 true bedrooms on the main level and 2 spacious non-conforming bedrooms in the finished lower level, this home provides plenty of room for everyone to spread out and enjoy. Step outside to a generously sized fenced backyard, perfect for pets, play, or entertaining. The property also features a detached shop, providing ample space for hobbies, storage, or projects. Enjoy the peace and tranquility of country living while still having all the space and functionality you need. This property combines comfort, versatility, and room to grow—don't miss your opportunity to make it yours!

703 Ozark Short Line Court, Odessa

Listing courtesy of Carlene Villaruel of Platinum Realty LLC.
$419,000
2 Beds ⋅ 2 Baths
This thoughtfully designed new construction ranch offers an open layout, quality finishes, and comfortable everyday living. Step inside to find warm flooring, tall ceilings, and an inviting great room that flows seamlessly into the kitchen and dining area, creating the perfect space for gathering with family and friends. The kitchen features custom cabinetry, sleek countertops, a large center island, and plenty of prep and storage space. The private primary suite includes a spacious bedroom, walk-in closet, and a well-appointed bath with dual vanities. A second bedroom and full bath are located on the opposite side of the home, providing privacy for guests or family members. Practical touches like the mudroom, dedicated laundry room, and oversized garage add convenience to everyday life, while the deck extends your living space outdoors for relaxing or entertaining. Designed with both style and functionality in mind, this home offers quality craftsmanship and the ease of modern new construction.

507 S Callie Road, Bates City

Listing courtesy of Wade Fitzmaurice of Fitz Osborn Real Estate LLC.
$189,500
2 Beds ⋅ 1.5 Baths
Welcome home to this beautifully remodeled 2-bedroom, 1.5-bath ranch in the heart of Odessa! Every detail has been thoughtfully updated, offering a truly move-in-ready experience with fresh finishes throughout. Step inside to find all-new flooring, fresh paint, updated fixtures, and a bright, modern feel from room to room. The stylish kitchen features updated cabinetry, countertops, and appliances, creating the perfect space for everyday living and entertaining.Outside, you'll love the crisp white exterior accented with black trim, giving this home timeless curb appeal. A spacious 2-car garage provides plenty of room for vehicles, tools, hobbies, or extra storage.Whether you're a first-time homebuyer, looking to downsize, or a hardworking tradesperson seeking a low-maintenance home with garage space for projects and equipment, this property checks all the boxes. Conveniently located in Odessa with easy access to local amenities, this fully renovated home is ready for its next owner to move in and enjoy.

111 E Dryden Street, Odessa

Listing courtesy of Steve Bryant of RE/MAX Heritage.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use