Richmond Homes with Conventional Financing

Richmond Homes with Conventional Financing

Welcome to Richmond, a charming town in Ray County, Missouri, known for its top-rated school district that provides excellent educational opportunities for students. Families looking to settle down in a community with a strong focus on education will find Richmond to be the perfect place to call home.

When it comes to real estate in Richmond, you'll find a variety of homes available with conventional financing options. Whether you're looking for a cozy starter home or a spacious family residence, there are properties to suit every need and budget. With the option for conventional financing, purchasing your dream home in Richmond has never been more accessible.

Richmond offers a peaceful and welcoming environment, making it an ideal location for those looking to escape the hustle and bustle of city life. The town's close-knit community, beautiful parks, and local amenities make it a desirable place to live for individuals and families alike.

If you're considering making a move to Richmond, now is the perfect time to explore the real estate market and discover the home of your dreams. With its excellent school district, convenient location in Ray County, and homes available with conventional financing, Richmond has everything you need to enjoy a comfortable and fulfilling lifestyle.

Newest Richmond Homes with Conventional Financing

$35,000
1 Beds ⋅ 1 Baths
Looking for a winter project, here you. This bungalow in a small rural town needs a total rehab with endless possibilities with your handywork. Could be more than one bedroom and is waiting for just the right person. Investor owned and no disclosures as the seller has never lived in the property.

106 W 4th Street, Henrietta

Listing courtesy of Bob Halberstadt of ReeceNichols North Star.
$795,000
4 Beds ⋅ 3.5 Baths
This magnificent property could be your next forever home. 3.5 ACRES of beautifully landscaped grounds designed for entertaining & making memories with family & friends! Gated in ground heated pool with AZEK sun deck & slide. "SHE SHED" & fire pit area are perfect for outdoor fall gatherings. 23 X 27 insulated Shop. All lined with concrete circle drive & nostalgic fountain in the center. NEW KITCHEN COUNTERS IN 2018. NEW AC IN 2018. NEW WINDOWS INSTALLED IN 2023. NEW WOOD FLOORING INSTALLED IN 2023. NEW FURNACE & WATER HEATER INSTALLED IN 2024. ROOF, SIDING & GUTTERS INSTALLED IN 2024 & 2025. As you enter the foyer, the high vaulted ceiling in the living room with rock accented fireplace welcomes you. Kitchen is open to living room & opens left to a large family room. 3 large bedrooms upstairs. Master suite has spacious onyx walk in shower & soaking tub. Full walkout basement offers 1 bedroom & 1 non conforming bedroom with large closet & connecting full bath. Tiled basement family room opens to patio & pool. Cabinets, fridge & wet bar for summer entertaining or the perfect movie night. Approximately 1000 sq. ft. of storage in basement as well as 7 x 9 concrete storm room. This home is a MUST SEE! Call for a tour today.

10030 Airfield Lane, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$295,000
3 Beds ⋅ 2 Baths
Enjoy easy, comfortable living in this brand-new ranch home located on the northern edge of Richmond, offering the convenience of town with a little more breathing room. The all ranch layout features an open floor plan, LVP flooring throughout, a comfortable primary suite, and a two-car attached garage. Step outside and enjoy a backyard that backs to a peaceful tree line, providing a nice natural backdrop. Sidewalks throughout the area make morning walks easy, with a nearby park and walking trail just a short stroll away. Convenient Highway 13 access makes getting around town simple. With its new construction, practical layout, convenient location, and one-year builder warranty, this home offers an easy opportunity to make your move into a brand-new home. Estimated completion date November of 2026. Owner is a licensed real estate agent in the state of Missouri. Listing agent is a direct family member of seller.

1412 N Thornton Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$719,999
4 Beds ⋅ 3.5 Baths
BACK ON THE MARKET and truly one of Richmond’s most unique properties! If you’ve been dreaming of country living without giving up the conveniences of town, this is the one you don’t want to miss. Situated on nearly 10 secluded acres while STILL WITHIN CITY LIMITS, this property offers the privacy, space and outdoor lifestyle that are becoming harder and harder to find. But the showstopper is the incredible private pond—approximately 32 feet deep and stocked with OVER 1,000 FISH! Whether you love fishing, spending weekends outdoors, camping with family and friends, watching wildlife or simply enjoying the peace and quiet of your own land, this property gives you the opportunity to enjoy it all right outside your door. Imagine mornings overlooking the water, afternoons fishing with the kids, evenings around a campfire and plenty of room to explore—all while still being close to the everyday necessities and conveniences Richmond has to offer. This isn't just a home—it's your own private retreat. Nearly 10 acres, abundant wildlife, an incredible stocked pond and the best of both worlds: COUNTRY LIVING WITH CITY CONVENIENCE. Properties like this don't come along often. Come see what makes this Richmond property so special!

705 Broadway Avenue, Richmond

Listing courtesy of Rachael Cruz of Kansas City Regional Homes Inc.
$140,000
3 Beds ⋅ 1 Baths
Turnkey rental opportunity with an established long-term tenant already in place. The property currently produces $13,800 in gross annual rents, making it an attractive option for an investor looking for an occupied property with existing rental history. For buyers looking to expand their holdings in the area, this property is being sold with 300 W. Hortense St., Orrick, MO (MLS #2640588). Tenant occupied. Please do not disturb the tenant. A minimum of 24 hours' notice is required to obtain tenant approval for all showings. Lease and additional rental information are available upon request.

201 N Institute Street, Richmond

Listing courtesy of Mark Colombatto of Weichert Realtors - Generations.
$279,000
*RARE OPPORTUNITY* Beautifully remodeled duplex in the heart of Richmond! This move-in-ready multifamily property features two spacious units with modern updates throughout. The first-floor unit offers 2 bedrooms and 1.5 bathrooms, while the second-floor unit features 3 bedrooms and 1 full bathroom. Both units have been extensively updated with stainless steel appliances, new countertops, remodeled bathrooms, new flooring, new windows, and new HVAC systems. Fresh finishes and thoughtful improvements throughout provide comfortable, low-maintenance living for future occupants. Conveniently located near Richmond shopping, dining, schools, and local amenities. A great opportunity for an owner-occupant or investor looking for a turn-key updated duplex with two separate living spaces. *Owner/ Agent*

106 E Buchanan Street, Richmond

Listing courtesy of Kenrick Thompson of United Real Estate Kansas City.
$327,500
3 Beds ⋅ 2 Baths
Originally built in 1966, this home has been completely renovated by local contractors. Take a look: Exterior renovations include new decks in the front & back, brand new siding, roof, seamless gutters, sewer line, and a re-tucked chimney. Interior renovations include custom cabinets & granite countertops, stainless steel appliances, all new wiring, plumbing, flooring, shower units & tub, new HVAC system, and lighting. Basement renovations include straightened, tiled, & braced walls, sheetrock, paint, lvp flooring, & back-flow sump pump. Tucked back on a dead-end street in the heart of Richmond, Missouri, this home now features open concept living, dining, and kitchen area, all centered around a beautiful, wood-burning fireplace right as you step through the front door. All three bedrooms, two bathrooms, and the laundry room are also on the main level. Take a short walk downstairs and you will find a partially finished basement that is the perfect space for a playroom, home office, gym, or whatever you need! The unfinished section of the basement is ideal for all of your storage needs. This one will go fast! Come see it today!

501 Morningside Drive, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.
$138,900
2 Beds ⋅ 1 Baths
This cozy 2-bedroom, 1-bath home is a must-see! Located on a quiet dead-end street, this property offers a little piece of the countryside right in your own backyard. Sitting on over half of an acre, there’s plenty of space to create your own mini farm, grow a garden, or simply enjoy the outdoors. Imagine picking fresh strawberries and blackberries right from your yard! Inside, you’ll find an abundance of kitchen cabinets, providing plenty of storage for all your cooking and entertaining needs. Just off the kitchen is a versatile bonus room, currently being used as a 3rd nonconforming bedroom. This flexible space could also make a wonderful dining area, playroom, or cozy family room. For those who work from home—or have a gamer in the family—there’s a dedicated office space, plus fiber internet is available! The laundry is conveniently located just off the bathroom for added ease and functionality. This charming home has so much to offer both inside and out. Call and schedule your showing today!

212 W 3rd Street, Rayville

Listing courtesy of Tanya Adams of Community Realty.
$194,900
Outstanding opportunity to acquire approximately 15 acres with excellent Highway 10 frontage, visibility and access. Located at 37682 Highway 10, this versatile tract offers acreage, highway exposure and lot of great potential. The property's size, location and configuration may lend itself to several possibilities including residential/single-family, other commercial uses, agricultural use, or rezoning/downzoning to another permitted use, all subject to Ray County Planning & Zoning and other applicable approvals. The former residence has been removed and substantial cleanup and site preparation completed. A large gravel parking area remains near the Highway 10 frontage. The former homesite was served by utilities, providing another advantage for future development, subject to verification of availability and connection requirements. The property has previously gone through the Ray County Planning & Zoning approval process for development as an RV park and cabin retreat, giving a buyer the opportunity to pursue the existing concept while saving substantial time in the planning process. Concept plans include RV sites, cabins, internal roadways, recreational areas and additional amenities. Existing plans and development information are available for review if the current zoning interests someone. Buyer to independently verify zoning, permitted uses, utilities and development requirements. The property is currently being used and leased to the public for storage for campers, trailers, trucks, equipment, etc. Whether you are an investor, developer, business owner or simply looking for acreage with excellent access and future potential, this property is worth exploring.

37682 10 Highway, Richmond

Listing courtesy of Chip Glennon of EXP Realty LLC.
$142,500
2 Beds ⋅ 1 Baths
Welcome to 106 Grandview Street—an inviting 2-bedroom, 1-bath bungalow offering comfortable one-level living, a spacious lot, and exceptional garage and outdoor utility in Richmond! Situated on approximately 0.30 acre, this home combines an efficient 912 sq. ft. floor plan with features that can be difficult to find at this price point. Step inside from the traditional covered front porch to a functional layout featuring two bedrooms, one full bath, central heating and air conditioning, and plenty of opportunity to personalize the home to your own style. Outside is where this property really expands its possibilities. The privacy-fenced backyard provides plenty of room for pets, recreation, gardening, entertaining, or simply enjoying your own outdoor space. A large concrete patio creates a natural setting for grilling and gatherings, while the detached 2-car garage—approximately 400 sq. ft.— provides valuable space for vehicles, tools, lawn equipment, hobbies, storage, or a workshop. Whether you're searching for an affordable primary residence, looking to downsize into manageable one-level living, or considering your next investment property, 106 Grandview offers a combination of lot size, garage space, outdoor utility, and potential worth seeing. Conveniently located in Richmond with access to local schools, shopping, dining, and community amenities. Bring your ideas and discover the possibilities at 106 Grandview Street!

106 Grandview Street, Richmond

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.
$320,000
3 Beds ⋅ 3 Baths
Lots of living space in this brick front ranch that sits right at the Northern edge of Richmond on a 1+ acre lot. There's 3 bedrooms (including very spacious master suite), 3 full baths, big Great/Family room with fireplace and insert, formal dining room, main level laundry, partially finished basement, and approx. (26'x18' ) covered patio that provides privacy and shade for any outdoor gatherings. 1+ acre lot has several mature trees and an approx. 25'x40' rustic outbuilding and small storage shed. Conveniently located on a street that services this subdivision only and has quick and easy access to 13 Hwy.

203 Ridgeway Drive, Richmond

Listing courtesy of Eric Pierson of Pierson Realty.
$655,000
2 Beds ⋅ 2.5 Baths
This picturesque 20 acres with a well-maintained brick home is already set up for cattle and horses! The stocked pond is ready for fishing with a couple of shade trees for comfort. With 5 outbuildings and a silo, you'll be set up in advance to have your farm running at max efficiency. The home has 2 bedrooms upstairs with the basement set up as a separate apartment, including kitchen. It's a perfect set-up for a farm hand or extended stay relatives. The 40x60 shop offers a concrete floor and electricity for accommodations.

10625 Franklin Road, Richmond

Listing courtesy of Theresa Trego of EXP Realty LLC.
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