Smithville Homes with FHA Financing

Smithville Homes with FHA Financing

Welcome to Smithville, Missouri—a charming community nestled in Clay County, known for its picturesque landscapes and a strong sense of community. One of the standout features of this vibrant area is its exceptional school district, which is dedicated to fostering a nurturing and academically enriching environment for students of all ages.

Smithville School District is renowned for its commitment to educational excellence, offering a wide range of programs designed to cater to the diverse needs of its student population. With highly qualified educators, modern facilities, and a strong emphasis on extracurricular activities, parents can rest assured that their children are receiving a top-notch education. The district prides itself on its community involvement, creating a supportive atmosphere where families can thrive together.

For those considering a move to this beautiful area, Smithville offers a variety of homes that are eligible for FHA financing. This means that prospective homeowners can take advantage of lower down payment options and more flexible credit requirements, making homeownership more accessible than ever. Whether you’re looking for a cozy starter home or a spacious family residence, Smithville’s real estate market has something to offer everyone.

Imagine settling into a friendly neighborhood where your children can attend excellent schools, and you can enjoy the beauty of nature just moments from your doorstep. With its picturesque charm, strong community spirit, and outstanding educational opportunities, Smithville, MO, is not just a place to live—it's a place to grow. Come explore the possibilities that await you in this delightful corner of Clay County!

Newest Smithville Homes with FHA Financing

$249,900
Build your dream home on this beautiful property nestled between Platte City and Smithville! Tucked away among mature trees, this peaceful setting offers the privacy of a country retreat while remaining conveniently near amenities. The driveway is already in place plus electric and water scheduled to go in- giving you a head start on your future build. The structure on the property offers an opportunity for the next owner to complete or expand the dwelling, subject to all applicable permits and county requirements. The lower portion of the land sits in a flood plain but the majority of the land you can see does not sit in it and allows for flexibility on your future plans. Whether you're looking to create a secluded forever home or a weekend getaway, this property offers the perfect canvas.

821 W 92 Highway, Smithville

Listing courtesy of Nichols Home Collective Team of ReeceNichols-KCN.
$328,000
3 Beds ⋅ 2.5 Baths
Check out this beautiful 3-bedroom, 2.5-bath home offering comfort, style, and a prime location! Come inside to find brand new carpet, fresh paint, and stunning refinished hardwood floors that add warmth and elegance throughout. Enjoy peace of mind with a seller-paid home warranty, making this home truly move-in ready. The spacious layout is perfect for both everyday living and entertaining. Outside, you’ll love the large, privacy-fenced backyard—ideal for gatherings, pets, or relaxing evenings on the back deck. This neighbourhood has a community pool, playground, and dog park. Located just minutes from Paradise Pointe Golf Course, disc golf course, trails, and offering easy access to the boat ramp at Smithville Lake, this home is perfect for those who enjoy outdoor living and recreation. Don’t miss your chance to own a well-maintained home in a desirable area—schedule your showing today!

208 Hampton Drive, Smithville

Listing courtesy of Aubri Blaize Blaize of Keller Williams KC North.
$240,000
2 Beds ⋅ 1 Baths
Welcome to Stonebridge Townhomes, a maintenance-provided community offering comfort, convenience, and scenic surroundings. Interior photos are coming soon! This end-unit townhome features 2 bedrooms, 1 full bathroom, and a spacious, extra-deep 2-car garage. With no adjoining townhome to the south, you'll enjoy added privacy. The inviting living room includes a cozy fireplace, creating the perfect space to relax. Just off the garage, the finished lower level offers a large storage/laundry/mudroom that is already stubbed for a future second bathroom, providing excellent potential for expansion. You'll also find a non-conforming room that would make an ideal home office, den, hobby room, or recreation space. One of the home's standout features is the recently replaced deck, where you can enjoy the abundant green space. Also for your enjoyment the nearby lake that enhances the beauty of this neighborhood and spacious parking for your vistors! For added convenience, the washer, dryer, and refrigerator all remain with the home.

112 Stonebridge Lane, Smithville

Listing courtesy of Terry Terese Durand of ReeceNichols-KCN.
$345,000
3 Beds ⋅ 2.5 Baths
LAKE LIFE MEETS CITY CONVENIENCE! If you are looking for a completely move-in-ready retreat just minutes from the water but with an easy commute to Kansas City, this is the one! Welcome home to 18616 Primrose, a beautifully maintained ranch-style home that effortlessly combines modern upgrades with unbeatable accessibility. Come inside to find a bright, open main level featuring gorgeous new LVT flooring and ample natural light pouring through high-efficiency thermal windows. The customized chef’s kitchen comes complete with gleaming granite countertops, a true walk-in pantry, and enough storage for any home cook. With 3 large bedrooms and 2.5 baths, there is plenty of room for everyone. The living space expands significantly into the finished walk-out basement, boasting a massive recreation room perfect for entertaining, plus a large dedicated storage room. Designed for easy, independent living, this home features excellent accessibility options already in place, including minimal steps at each entrance, garage support handles, and a premium stairlift. Outside, your private oasis awaits. Spend your mornings enjoying the manicured, custom landscaping on your covered front porch, or host weekend BBQs on the back deck. The property features a brand-new retaining wall and newly planted trees, including peach, river birch, and dogwood. Best of all is the location: you are just 5 minutes to the water and recreation at Smithville Lake, within the award-winning Smithville School District, and only 30 minutes to the brand-new MCI airport.

18616 Primrose Street, Smithville

Listing courtesy of Sierra Dominiak of Platinum Realty LLC.
$325,000
4 Beds ⋅ 2.5 Baths
Welcome home to this beautifully maintained front to back split home in the desirable Kindred Heights subdivision! Offering the perfect blend of space, comfort, and functionality, this home has been thoughtfully updated to provide even more finished living area. The owners have added approximately 325 square feet of space in the lower level, creating a spacious fourth bedroom and an additional half bath, making it ideal for guests, a home office, a recreation room, or multigenerational living. The split floor plan offers a bright and inviting main living area with comfortable gathering spaces and a functional layout designed for everyday living. The finished lower level adds valuable flexibility to meet a variety of lifestyle needs. Located just minutes from charming Downtown Smithville, you'll enjoy easy access to local restaurants, boutiques, coffee shops, parks, and community events. Outdoor recreation is just around the corner at Smithville Lake, where you can take advantage of boating, fishing, swimming, hiking, biking trails, camping, and more. With convenient access to Highway 169, commuting to Kansas City is simple while still enjoying the benefits of Smithville's highly regarded schools and welcoming small-town atmosphere. Don't miss the opportunity to own this one owner move-in-ready home with additional living space in one of Smithville's most desirable neighborhoods. Schedule your private showing today!

403 Woodland Avenue, Smithville

Listing courtesy of Joseph Fees of ReeceNichols- Leawood Town Center.
$399,000
3 Beds ⋅ 3 Baths
A rare find in Hills of Shannon, and the kind of place you keep circling back to! Everything you need lives on the main level, with a bright, unfussy flow that feels move-in ready the moment you step in. The kitchen anchors the home — quartz counters, a big island, and warm wood floors that carry into the dining area, so the cook is never left out of the conversation. Vaulted ceilings in the primary give the room an airy, open feel. Mornings belong on the east-facing deck with coffee and sunrise; late afternoons trade it for cool shade in the fenced backyard. The finished walkout below opens right out to the lush lawn, and the neighborhood path and playground sit just 300 feet from the door. Come winter, the gas fireplace turns the great room cozy with a flick of a switch — instant warmth, no fuss. Charming, easy to love, and genuinely move-in ready. This is the one you've been waiting for, so come see it!

14609 N Derby Road, Smithville

Listing courtesy of Paul Sidwell of RE/MAX Revolution.
$392,990
4 Beds ⋅ 2.5 Baths
Welcome to Clay Creek Meadows, where modern elegance meets functionality in this beautifully crafted Bellamy plan by D.R. Horton. This home stands out with its James Hardie® Fiber Cement siding and stone accents, providing both durability and timeless appeal. The welcoming three-rail, two-panel insulated front door enhances both the home's aesthetics and energy efficiency. Inside, you’ll find 9-foot ceilings and a spacious, open layout that exudes warmth and sophistication. The interior has elegant details and a refined touch throughout. The gourmet kitchen serves as the heart of the home, featuring 36-inch painted maple cabinets, quartz countertops, and premium Whirlpool® stainless steel appliances—perfect for both everyday meals and entertaining. The bathrooms offer a luxurious retreat, complete with quartz-topped vanities, Moen® Chrome Faucets, and a primary bath with a 5-foot shower and framed glass enclosure, providing a spa-like experience. Equipped with advanced smart home technology, this residence makes modern living effortless. Control your home’s climate and security with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed for ultimate convenience. LED lighting, a high-efficiency gas furnace, and energy-efficient insulated windows ensure year-round comfort and savings. Additional features like luxury vinyl plank flooring, smart garage door opener, and dual data/TV lines in key areas highlight the home’s commitment to convenience and modern living. D.R. Horton’s attention to detail and commitment to quality are evident throughout, making this home a perfect blend of luxury and functionality. Don’t miss your chance to own this exceptional home in Clay Creek Meadows. Schedule your private tour today! *Ask about Builder Incentives and Warranties **Photos may depict a similar plan with comparable finishes. Please verify details with the onsite sales agent.

306 Lake Meadows Drive, Smithville

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.
$669,900
4 Beds ⋅ 3.5 Baths
Experience the rare opportunity to own a custom-built two-story estate offering four bedrooms and three-and-a-half bathrooms, privately set on approximately 1.84 acres. Tucked away on a quiet paved road with just one neighboring property, this exceptional residence delivers a sense of seclusion and serenity that is increasingly hard to find. From the upper deck and lower patio, enjoy peaceful views and the luxury of expansive outdoor living with minimal surrounding development in sight. The property also features a spacious outbuilding equipped with electricity and a heating source, ideal for storing boats, watercrafts, ATVs, and additional equipment. With Smithville Lake just minutes away, adventure and recreation are always within easy reach. Beyond the home, a wooded path leads across a stream to a beautifully shaded, park-like retreat frequented by local wildlife, creating an idyllic setting for nature enthusiasts or those seeking space for animals or livestock. Previously used for dog breeding, the property includes partial accommodations for that purpose as well. Inside, the primary suite offers a walk-in closet, a whirlpool tub, and a separate shower, while the three additional bedrooms are generously sized. Just off the great room, a versatile bonus space is perfectly suited for a private office or children’s playroom. The lower level is designed for entertaining, featuring a family room with wet bar and a dedicated theater room, all with convenient access to the outdoors. This is refined rural living with the convenience of quick access to the city. Seller offering a Home Warranty. Septic Report/Inspection attached. Buyer to verify all information, including lot size, taxes, and land use.

2990 Highway KK N/A, Smithville

Listing courtesy of Dana Watson of Eye On Prize Realty, LLC.
$439,900
4 Beds ⋅ 2.5 Baths
NEW PAINT UPDATE! Brown tones are being replaced with Sherwin-Williams' Agreeable Gray throughout the main level & upper hallway for a fresh, modern neutral look in this terrific Smithville home. Lovely home features an open floor plan with soaring vaulted ceilings and multiple entertainment levels, this two-story, side-split home offers the perfect blend of comfort, space and functionality. As you step inside to a vaulted living room on the main level, you will find that it offers an inviting space for entertaining or quiet relaxation. Just a few steps down, you’ll find the custom kitchen featuring warm stained cabinetry, rich wood flooring, and a layout designed for both style and convenience. The kitchen flows effortlessly into the spacious great room below, where oversized windows fill the room with abundant light and views of the private yard. A cozy wood-burning fireplace creates the perfect focal point and an ideal gathering place for family and friends year-round. Upstairs, the stunning primary suite features a vaulted ceiling and a luxurious ensuite bathroom with a jetted tub, separate shower, and dual walk-in closets. The home includes three more generously sized bedrooms, each complete with ceiling fans and walk-in closets. The laundry room is located on this bedroom level close by all the bedrooms for super easy convenience. Need even more space? The full basement provides endless potential for future finishing, whether you envision a recreation room, home gym, or additional storage space. Outside, the professionally landscaped yard showcases stacked stone retaining walls creating beautiful front curb appeal and visual interest from the back patio. Enjoy the nearby community pool and take advantage of being just minutes from Smithville Lake, making it easy to enjoy boating, fishing, hiking, trails, golf and all the outdoor recreation the lake area has to offer. WELCOME HOME TO THIS SMITHVILLE BEAUTY.

18109 Guinevere Court, Smithville

Listing courtesy of Peggy Jones-Wilson of ReeceNichols-KCN.
$320,000
3 Beds ⋅ 2.5 Baths

807 E Summit Street, Smithville

Listing courtesy of Bill Combs of Platinum Realty LLC.
$400,000
4 Beds ⋅ 3 Baths
Upgrades everywhere you look! This beautifully updated home features an open-concept kitchen designed to impress, complete with granite counter tops, rich hardwood floors, beautiful cabinetry, and brand-new stainless steel appliances—perfect for both everyday living and entertaining. The spacious primary suite is a true retreat, offering soaring ceilings, a walk-in closet, and a spa-like bath with a jetted tub, separate vanities, and granite finishes. Secondary bedrooms boast vaulted ceilings, ceiling fans, and generous closet space. Enjoy seamless indoor-outdoor living in the inviting family room that walks out to a patio and a level fenced backyard—ideal for relaxing or hosting gatherings. The finished basement includes a large fourth bedroom with a full bath, making it perfect for a private teen or in-law suite, plus a sub-basement for abundant storage. Situated on a quiet cul-de-sac lot. Truly move-in ready! Located in a desirable neighborhood with great schools, scenic walking trails, and a nearby playground. Just minutes from Smithville Lake, downtown North Kansas City, and KCI Airport—this home offers the perfect blend of comfort, convenience, and style.

14503 Shamrock Way, Smithville

Listing courtesy of Chet Meierarend of RE/MAX Premier Properties.
$339,990
3 Beds ⋅ 2 Baths
The Harmony is a ranch plan featured at Clay Creek Meadows. This is a spacious and modern home designed with open-concept living carefully considered throughout. This home features James Hardie® Fiber Cement siding and stone accents, providing both durability and timeless appeal on the exterior. The interior features three bedrooms, two bathrooms, and a two-car garage. An inviting foyer greets you upon entering and leads you into the heart of the home. This open plan features a family room, dining room, and kitchen designed with entertaining in mind. The kitchen is equipped with a pantry, 36" cabinets with crown molding, Quartz countertops with tile backsplash, Whirlpool stainless steel appliances, Chrome Moen faucet and a large island with a breakfast bar, making it perfect for both dining and guests. The luxurious primary suite offers a large walk-in closet and a primary bathroom with dual vanities and plenty of space to get ready. The additional two bedrooms share access to the secondary bathroom on the opposite side of the home offering privacy from the primary suite. Control your home’s climate with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed for ultimate convenience. LED lighting, a high-efficiency gas furnace, and energy-efficient insulated windows ensure year-round comfort and savings. Additional features like luxury vinyl plank flooring, smart garage door opener, and dual data/TV lines in key areas highlight the home’s commitment to convenience and modern living. D.R. Horton’s attention to detail and commitment to quality are evident throughout. With its thoughtful design, this ranch floorplan is the perfect place to call home at Clay Creek Meadows. *Ask about Builder Incentives and Warranties **Photos may depict a similar plan with comparable finishes. Please verify details with the onsite sales agent.

208 Lake Meadows Drive, Smithville

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.
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