Smithville Homes with Cash Financing

Welcome to Smithville, Missouri – a charming community nestled in Clay County, where the spirit of small-town living meets modern convenience. Known for its picturesque landscapes and friendly atmosphere, Smithville is not just a place to live; it’s a place to thrive. One of the standout features of this delightful town is its exceptional school district, providing families with access to quality education and a supportive environment for their children.

The Smithville School District is renowned for its commitment to academic excellence and fostering a love for learning. With a range of innovative programs, dedicated teachers, and a strong focus on student achievement, parents can rest easy knowing their children are receiving a top-notch education. The district’s schools are equipped with state-of-the-art facilities and a variety of extracurricular activities, ensuring that every student can explore their interests and talents.

For those considering making Smithville their home, you’ll be pleased to know that there are numerous properties available that accommodate cash financing. This option opens the door for many prospective buyers, allowing them to invest in their dream home without the complexities of traditional financing. Whether you’re looking for a cozy family abode or a spacious modern residence, Smithville offers a diverse selection of homes that cater to various tastes and budgets.

With its excellent school district, welcoming community, and accessible housing options, Smithville is the perfect place for families and individuals looking to plant their roots in a vibrant and growing area. Discover the charm of Smithville, where your ideal home awaits!

Newest Smithville Homes with Cash Financing

$869,000

4 Beds ⋅ 3.5 Baths

Enjoy the freedom of country living with plenty of room to spread out on this beautiful nearly 10-acre property located outside city limits (no KC earnings tax) and Smithville schools! Plenty of wildlife and opportunities to hunt! The property has been fenced for cattle or horses, the shop has two horse stalls, air-conditioned room for wood-working, and two pole barns on the back side of the land. This spacious two-story home offers over 3,000 square feet, 4 bedrooms, and 3.5 baths and has been updated throughout. There is an office on the main level that could be converted to a bedroom. In addition, throughout the main level there is beautiful wood flooring, an updated kitchen, and a cozy wood-burning fireplace that creates an inviting atmosphere. The second level of the home offers two generous sized bedrooms and one bathroom, along with a large primary suite that has dual vanities, jetted tub, walk in shower and a spacious primary closet. The home offers plenty of room for both everyday living and entertaining. The basement has a full bathroom, bedroom and would be perfect for a recreational room or play area. The property is exceptionally well equipped for those who enjoy country living. For summertime enjoyment, relax by the swimming pool and take in the peaceful surroundings. Whether you're looking for a hobby farm, equestrian property, or simply a private country retreat, this property offers an incredible combination of acreage, amenities, and a beautifully updated home. Owner/agent

13019 N Prospect Avenue, Kansas City

Listing courtesy of Nichols Home Collective Team of ReeceNichols-KCN.

$435,000

4 Beds ⋅ 2.5 Baths

Welcome home to this beautiful, light-filled 4-bedroom, 2.5-bathroom two-story residence designed for comfortable living and seamless entertaining located in a quiet cul-de-sac in the heart of Smithville! The open-concept main floor features a living area complete with a cozy fireplace and tons of natural light. Flow effortlessly into the adjacent dining area and gourmet kitchen, which boasts warm wood cabinetry, granite countertops, tile backsplash, stainless steel appliances, and a massive walk-in pantry with endless shelving. Upstairs, the expansive primary suite is a true retreat, offering a spacious walk-in closet with built-in shelving and a spa-like ensuite bath featuring dual vanities, a separate tiled walk-in shower, and a deep corner soaking tub. The dedicated laundry room is conveniently located among all four upstairs bedrooms, making laundry day a breeze! There's ample storage in the unfinished, walkout basement or use your creativity to make a second living space, at home gym, office, playroom or craft space. The possibilities are endless. Just off the kitchen, a covered deck overlooks a big backyard. Just imagine sipping your morning coffee here or watching the sunset after a long day. The exterior has just received a fresh coat of paint too! Every detail has been thoughtfully designed in this well maintained home. Don't let this opportunity pass you by. Schedule a showing NOW!

18304 Rock Creek Drive, Smithville

Listing courtesy of Taylor Mahoney of Keller Williams KC North.

$975,000

4 Beds ⋅ 3 Baths

BRAND NEW BUILD – 2 Acres Ranch with Walkout Basement & Opportunity to Customize to make it your own. Best of acreage living with 2 acres, no HOA, and a beautifully designed reverse 1.5-story ranch home offering easy main-level living and plenty of space for family, guests, and entertaining. The main level features 10-foot ceilings, a stunning vaulted Great Room, spacious kitchen and island, primary suite, second bedroom, large pantry and dream laundry room, and abundant storage. The full finished walkout basement adds two additional bedrooms, a full bath, second kitchen, and an enormous living/rec room—ideal for multigenerational living, guests, entertaining, or a private family space. An oversized attached garage provides plenty of room for vehicles, toys, storage, or a workshop, while the porch and deck areas offer inviting spaces to enjoy the beautiful acreage. For an additional cost, an outbuilding can also be added on the north side of the home. The planned exterior features include white board-and-batten siding, black windows, and black gutters, complemented by LVP or engineered wood flooring throughout—no carpet BUT Best of all, there is still time to make changes and make this home your own. The photos are renderings and examples of what the finished home and exterior are expected to look like. Buyers still have an opportunity to select finishes and customize certain features. Located approximately 5 minutes from Highway 169, this property offers the privacy and freedom of acreage with convenient access to everyday amenities. Two acres. BRAND new build. No HOA. Flexible living. Room to make it yours. The light poles are close markers for property line which goes West back to the fence. The orange stakes mark where the lateral field will go; the pink stakes Mark where the house will go.

17090 Smith Road, Smithville

Listing courtesy of Kim Taylor of RE/MAX Innovations.

$420,000

4 Beds ⋅ 3 Baths

Welcome to small-town living at its finest! This beautifully situated 4-bedroom, 3-bath home offers an exceptional combination of comfort, privacy, and location in a highly desirable cul-de-sac neighborhood. The property backs directly to the golf course, Smithville lake, and nearby parks, creating a peaceful backdrop and easy access to outdoor recreation. Inside, you'll find spacious living areas and new quartz countertops in the open kitchen. Home even has an additional 5th non-conforming bedroom in the basement—perfect for a home office, guest room, hobby space, or flex room. The finished basement provides even more room to spread out and customize to your needs. Step outside to enjoy the private, wooded backyard from the deck while relaxing with your morning coffee, entertaining friends, or enjoying the peaceful surroundings. Come see all this property has to offer!

18207 Rollins Drive, Smithville

Listing courtesy of Brigette King of Show-Me Real Estate.

$295,000

5 Beds ⋅ 3.5 Baths

Welcome to this inviting attached 1.5 story home featuring classic brick accents, vinyl siding, an attached garage, and a spacious driveway. Inside, the open floor plan seamlessly connects the living room, dining area, and kitchen, creating a warm and welcoming space for everyday living and entertaining. The living room features a cozy fireplace with a wood mantel, while the kitchen offers rich wood cabinetry, tile flooring, and included appliances. Just off the dining area, a sliding glass door leads to the back deck, making it easy to enjoy indoor-outdoor living. With 5 bedrooms, 3.5 bathrooms, and multiple living spaces, this multi-level home offers plenty of room to spread out and make yourself at home. The finished basement provides additional space for relaxing, entertaining, or creating a flexible living area, while the unfinished basement offers ample storage or potential for future use. Step outside to enjoy the elevated deck overlooking a grassy backyard enclosed by a wood privacy fence. Complete with an attached garage, functional layout, and plenty of room to grow, this home offers comfort and versatility in a welcoming setting.

513 Cape Cod Court, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$370,000

4 Beds ⋅ 3 Baths

Welcome to 19205 Switchgrass Drive! Built in 2019, this 4-bedroom, 3-bathroom home offers a spacious layout in the Smithville School District near Smithville Lake. The inviting living area flows into a kitchen featuring granite countertops, a generous island, ample cabinetry, and a pantry, with an adjoining dining area perfect for everyday meals or entertaining. A two-car garage and extended driveway provide additional parking space. Outside, enjoy a deck overlooking the fenced backyard, expanded patio, and storage shed, with mature trees creating a peaceful backdrop. Convenient access to downtown Smithville’s shops and restaurants completes the appeal!

19205 Switchgrass Drive, Smithville

Listing courtesy of Brittany Majed of Keller Williams Realty Partners Inc..

$389,000

3 Beds ⋅ 2.5 Baths

Welcome home to this lovely 3-bedroom, 2.5-bath home in Smithville! Built in 2016, this inviting split-entry offers a bright, comfortable layout with hardwood floors, vaulted ceilings, and a cozy fireplace anchoring the great room. The kitchen features granite countertops, stainless steel appliances, painted cabinetry, a pantry, and plenty of space to gather. Downstairs, the finished lower level provides valuable additional living space with a half bath—perfect for a home office, second living area, workout space, or game room. Step outside to enjoy the covered deck overlooking a fenced backyard with mature trees, creating a great spot for morning coffee, grilling, or relaxing at the end of the day. An attached 2-car garage adds everyday convenience, while neighborhood amenities including a community pool, pond and walking trails make it easy to enjoy time close to home. Conveniently located near Smithville Lake, schools, and everything Smithville has to offer, this home combines comfortable living, flexible space, and a location you'll love.

1501 NE 196th Street, Smithville

Listing courtesy of Jessica Magaha of Platinum Realty LLC.

$439,900

4 Beds ⋅ 2.5 Baths

Location, space, and fresh updates come together at 1603 NE 180th Ter in Smithville! Ideally situated just minutes from Smithville Lake, nearby golf, and multiple parks, this home puts some of the area’s best outdoor amenities right at your fingertips. Inside, the entire home has been refreshed for a clean, move-in-ready feel. The spacious layout features 4 large bedrooms, plenty of room to spread out, and a hard-to-find 3-car garage offering excellent parking and storage. Enjoy a refreshed home in a fantastic Smithville location with recreation, trails, parks, and the lake all close by!

1603 NE 180th Terrace, Smithville

Listing courtesy of SBD Team of SBD Housing Solutions LLC.

$239,900

2 Beds ⋅ 1.5 Baths

This charming 2-bedroom, 1.5-bath home offers a cozy rustic feel with plenty of functional space. The property features a spacious 2-car garage plus a covered 25x25 carport, perfect for multiple vehicles, recreational toys, or hobbies. Inside, the bright living room features beautiful wood ceilings and custom wood accents that continue into the kitchen. The kitchen offers stained wood cabinetry, stainless steel appliances, and a unique peninsula with barn door-style cabinets overlooking the living room. Step outside to the back deck and enjoy the large fenced backyard with a 12x18 storage shed. Both bedrooms are comfortable and inviting. The first bedroom features great natural light and a sliding-door walk-in closet, while the primary bedroom includes a convenient ensuite half bath. The main bathroom offers a custom walk-in shower. There is additional garage/basement space with plenty of room for storage, a workshop, hobbies, or recreational use. Recent updates include sewer line replacement from the house to the main, HVAC (2023), metal roof (2017), sump pump (2024), windows (2016), and siding (2017), plus an additional outbuilding for storage. This home offers rustic charm, functional spaces, ample storage, and important updates—all ready for its next owner!

502 Dundee Road, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$330,000

4 Beds ⋅ 3 Baths

Welcome to this inviting split level home offering 3 bedrooms, 3 full baths, and comfortable living spaces designed for everyday living and entertaining. Inside, the kitchen combines functionality and style with painted cabinetry, granite countertops, and a full complement of appliances. The kitchen flows seamlessly into the dining area, where the sliding glass doors provide easy access to the backyard. The living room offers a vaulted ceiling, ceiling fan, and comfortable carpeted flooring, creating a bright and inviting gathering space. All three bedrooms feature carpeting and ceiling fans, while three full bathrooms provide plenty of convenience. The finished walkout basement adds valuable additional living space and includes a bedroom, the laundry area, storage shelving, and utility space. Step outside to enjoy the elevated wood deck and concrete patio overlooking the fenced backyard. Mature trees, and a wood privacy fence create a great outdoor setting for relaxing, entertaining, or enjoying your morning coffee. Situated on a 0.19-acre lot with sidewalks and a convenient Smithville location, this home offers a great combination of comfort, functionality, and outdoor living. Don't miss your opportunity to make this one your own!

1001 NE 194th Terrace, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$299,950

4 Beds ⋅ 2 Baths

Move in ready in sought after Smithville! This 4 bedroom home has a traditional open floorplan with vaulted ceilings and good sized rooms, fresh paint throughout, new carpet, large eat in kitchen with stainless steel appliances and quartz countertops, large deck overlooking big backyard backing up to open greenspace, great highway access, close to restaurants and shops, won’t last long!

14105 LORA Street, Smithville

Listing courtesy of Micheala Miller of Compass Realty Group.

$424,500

3 Beds ⋅ 3 Baths

You will love this sprawling ranch home because it has been completely updated....gorgeous quality wood floors, updated master and hall baths, new kitchen cabinets and quartz countertops. The seller opened up the floor plan and created a new inside entrance to the unfinished lower level which has a gorgeous fireplace...a perfect space to finish for a great rec room, 4th bedroom, crafts room and workshop. There's room for all of that. This home sits on a large corner lot of a quiet cul de sac and is walking distance to a 10/10 rated elementary school. Work from home in the private office with french doors. From the garage, you enter a gorgeous mudroom, perfect for dropping your keys, bags and books. To the right of that is a very large laundry room with a sink and quartz countertop. The seller originally intended to live in this home and he went above and beyond on light fixtures and finishings. Come take a tour today!

2 Maple Circle, Smithville

Listing courtesy of Tanna Guthrie of Platinum Realty LLC.

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