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

$329,950
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.
$365,000
4 Beds ⋅ 3 Baths
Finally, that move-in ready home you have been seeking! Nestled on a quiet cul-de-sac with plenty of parking for guests. Main level living room with a cozy fireplace offering a warm setting for crisp fall evenings. Nearby dining space provides plenty of room for holiday meals. Thoughtfully designed kitchen featuring beautifully stained cabinetry with pantry stack, SS appliances, island with seating & granite countertops. Down the hall you will find a hall bathroom and two additional generous bedrooms. Owner's Suite complete with tray ceiling, walk-in closet, and bathroom with a double vanity. Venture to the lower level with rec room, full bath, and an additional bedroom. Fresh, neutral paint throughout! Deep garage with plenty of storage space. Oversized lot with mature tree view, double deck for entertaining and watching the evening sunset. Located in the highly sought after Smithville School District. Conveniently located near highway 169 and all Smithville has to offer- charming historic downtown, golf course, restaurants, shopping & Smithville Lake. This is not just a house, this is a place to call home!

19304 Switchgrass Court, Smithville

Listing courtesy of Shelly Koenigsfeld of Keller Williams KC North.
$429,500
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.
$360,000
4 Beds ⋅ 3 Baths
Welcome to 306 Lakeland. This 1.5-story home sits at the end of a cul-de-sac on a large lot with mature trees. When you step inside, you are greeted by the living room with two-story vaulted ceilings and a gas fireplace. The kitchen features newer appliances and a deck off of the eat-in kitchen. The main floor features the primary bedroom with a private deck and laundry. Upstairs, there are two bedrooms with large closets and a full bath. The finished walkout basement has the 4th bedroom, full bathroom, and large living space. This home has the big-ticket items DONE: NEW water heater, Newer HVAC, Newer siding, Newer gutters, Newer garage floor, Newer paint. Schedule your private showing for your new home today!

306 Lakeland Drive, Smithville

Listing courtesy of Alex Vander Veen of RE/MAX Revolution.
$550,000
3 Beds ⋅ 2.5 Baths
Looking for your own slice of paradise? Look no further! This one level home has upgrades Galore in 2022, and Efficiency at the top of its GAME! 3 TON Geothermal system, Anderson 200 series windows, custom shades, flooring, chimney flu system, overhead door, openers, leaf filters, Powder coated aluminum fence installed by Guier Fence. Over $150,000 in upgrades in the last few years. Home also has storage sheds for all the extras you may need to bring with you!

13619 Clementine Road, Smithville

Listing courtesy of Jen Langston Justus of Dream Properties Real Estate.
$692,900
4 Beds ⋅ 3 Baths
Tucked away on a quiet cul-de-sac and backing to a private wooded treeline, the Hartsel Plan by Gary Kerns Home Builders offers thoughtful design and comfortable living. This reverse 1.5-story home features an open-concept layout with convenient main-level living. The spacious entry opens to a great room with a cozy fireplace. The kitchen includes an eat-in breakfast area and direct access to the covered deck, creating an easy indoor-outdoor flow with peaceful wooded views. The main-level primary ensuite features a spa-like bath with a large walk-in shower, spacious walk-in closet, and convenient laundry access. The finished lower level adds a generous rec room with a wet bar, granite countertop, under-counter refrigerator, and TV wall with floating seat and accent finish, along with two additional bedrooms. Abundant storage, a versatile layout, and a private wooded setting complete this inviting home.

1203 NE 122nd Street, Kansas City

Listing courtesy of Gayla Hiatt Group of Keller Williams KC North.
$375,000
4 Beds ⋅ 3 Baths
Ignore List Price. Sells in Online Estate Auction. Opening Bid $100,000. Conv., FHA and VA Financing Accepted! Stunning Reverse 1.5 Story in Highly Sought-After Harbor Lake! Beautiful .22 Acre Setting backs to Community Trails and Greenspace. Lots of Newer Improvements Completed 4 Years Ago - New roof, New Pergo Waterproof Flooring, Fresh Main-Level Paint, New Stair Carpet, New Tile Fireplace Front, Remodeled Main-Level Bathrooms and a New Deck. Amazing Open Main Level Floorplan. Great Room offers Fireplace with New Tile Front, Soaring 11' Ceilings, and Beautiful Views of the Backyard and Trees. Spacious Kitchen with New Bosch Dishwasher - 4 years, Frigidaire Gallery Microwave and Stove/Range with Air Fryer Feature! Walk-In Pantry and Custom Cabinets Offers Great Kitchen Storage. Dining Area with Vaulted Ceiling Walks Out to Deck with Stairs to Patio Area. Main Level Primary Bedroom Suite with Pergo Floors, Vaulted Ceilings, and Fully Remodeled Master Bathroom, Shower with Tile Walls, Glass Door, and Built-In Shelves. Double Vanity with Raised Sinks, Shiplap Accent Wall, Walk-In Closet with Lots of Hanging Space and Built-In Shelves. Second Bedroom on Main Level with Vaulted Ceilings and Double Door Closet. Second Remodeled Full Bathroom features Shiplap Accent Wall with Mirror, New Light Fixtures, and Tub/Shower. Laundry made Easy on Main Level! Finished Lower Level offers Open Living Space with Bonus Space Great for Working from Home! Two Additional Bedrooms in Lower Level with Spacious Walk-In Closets. 3rd Full Bathroom with Tub/Shower and Large Vanity. Spacious Storage Room with Built-In Shelves. This Community Offers a Swimming Pool, Walking Tails, and is Minutes to Smithville Lake! You’ll Love this Home and Our Open, Transparent Offer/Bid Process. Bidding is Now Open and Ends October 7 at 1:00 pm. Don’t Miss this Opportunity to Bid Your Price!

2000 NE 197th Court, Smithville

Listing courtesy of Jeff Cates of Cates Auction & Realty Co Inc.
$1,700,000
4 Beds ⋅ 3.5 Baths
Outstanding Smithville estate includes 20 acres, stocked pond, outbuilding and beautiful 20 x 40 pool with outdoor kitchen! This all brick 4 bed/3.5 bath reverse Ben Cerra build is timeless with soaring 16' ceilings and floor to ceiling windows providing breathtaking views! Treed .25 mile driveway sets the stage for an estate perfect for entertaining, relaxation, horses - you name it! Many recent updates include new flooring in lower level recreation/family room, backyard pergola, and 2023 master bath remodel. Welcome Home!

4808 NE. 137th Street, Smithville

Listing courtesy of Kristin Myers-Trysla of ReeceNichols - Leawood.
$575,000
4 Beds ⋅ 3 Baths
Pool season isn't over yet! Just minutes from Smithville Lake, this beautifully maintained home offers a heated saltwater pool, two levels of screened-in outdoor living, and a bright, open interior with beautiful hardwood flooring. The heated in-ground pool was converted to saltwater in 2024, with a heater that extends the season well beyond summer. Enjoy fountains, a color-changing light, new Polaris cleaner, and new variable-speed pool pump installed in April 2026. Overlooking the pool and backyard is a two-level screened-in porch, perfect for dining, relaxing, and enjoying the surrounding wildlife. Both levels feature thicker screening for added comfort and privacy. Stone accents, wood-look garage doors, and permanent JellyFish outdoor lighting create great curb appeal. The treed yard is fenced, with fencing added in 2023, plus irrigation and whole-house water filtration. A new roof was added in 2025, along with new gutters, downspouts, and screens as needed. Inside, natural light, detailed woodwork, and hardwood floors carry throughout the open layout. Existing hardwoods were refinished in 2023, with additional hardwood added in the living room, hallway, primary bedroom, front bedroom, stairs, and landing. The spacious living room features a striking fireplace with floor-to-ceiling wood detailing and flows into the kitchen and dining areas. The kitchen includes appliances added in 2024 and an impressive walk-in pantry. The primary suite offers a jetted tub and separate walk-in shower. Additional features include keyless entry, EV hookup, spacious 3-car garage, neighborhood walking trail and pond. With Smithville Lake nearby for boating, fishing, trails, and recreation, there's plenty to enjoy at home and just minutes away!

2004 NE 197th Court, Smithville

Listing courtesy of Curtis Roe of Keller Williams KC North.
$330,000
3 Beds ⋅ 2.5 Baths
Located minutes to Smithville Lake and right across from the community pool, this move-in ready home features a spacious, open floor plan. New carpet throughout. The main floor offers a living area with vaulted ceilings, kitchen with stainless appliances and breakfast/dining area. There’s a second living area on the lower level with a fireplace and half-bath for convenience. On the upper floor, you’ll find the primary suite with separate tub and shower and walk-in closet. There are two more bedrooms and a full bath plus the laundry area. The basement has a storage area plus a finished rec space formerly used as a home theater. Don’t miss the bookshelf/secret door that leads to an area ideal as a storm room or storage for your prized possessions. The home also has a two-car garage with extra space for more storage. Located on a corner lot, the grassy, treed yard is like having your own park! Don’t miss out on this one!

201 Mesa Drive, Smithville

Listing courtesy of Jo Chavez of Redfin Corporation.
$474,900
3 Beds ⋅ 3 Baths
Welcome to 304 Prairie Rose Circle in Smithville! This beautiful home offers a spacious, light-filled layout with hardwood floors and an open-concept living, dining, and kitchen area perfect for everyday living and entertaining. The kitchen features abundant cabinetry, a large center island, plenty of counter space, and a bright dining area surrounded by windows. The home offers generously sized bedrooms, including a spacious primary suite with a tray ceiling, private bath featuring a walk-in shower, and an impressive walk-in closet with built-in shelving. Additional highlights include a versatile sunroom filled with natural light, convenient built-in cabinetry, multiple living spaces, and plenty of storage. Outside, enjoy great curb appeal with stone accents, a welcoming covered front porch, three-car garage, and a spacious backyard with plenty of room to make it your own. Located in a desirable Smithville neighborhood, this home combines space, functionality, and comfort—all ready for its next owner!

304 Prairie Rose Circle, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
$315,000
3 Beds ⋅ 2 Baths

500 S Commercial Avenue, Smithville

Listing courtesy of Jessica Kurzweil of ReeceNichols - Lees Summit.
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