St. Joseph Homes with Conventional Financing

St. Joseph Homes with Conventional Financing

Welcome to St. Joseph, Missouri, a vibrant city nestled in Buchanan County, where community spirit thrives and quality education flourishes! The St. Joseph School District is renowned for its commitment to providing an exceptional educational experience for students of all ages. With a variety of schools that cater to diverse learning needs, parents can feel confident knowing their children are receiving a top-notch education. The district boasts a dedicated team of educators, innovative programs, and a range of extracurricular activities that foster both academic and personal growth.

Families looking to settle in this charming city will find a wealth of housing options, particularly homes that qualify for conventional financing. This means you can explore a variety of properties that fit your lifestyle and budget, from cozy bungalows to spacious family homes. The real estate market in St. Joseph is thriving, offering a blend of historic charm and modern convenience. Many homes feature beautiful architectural details, spacious yards, and are conveniently located near schools, parks, and shopping centers.

St. Joseph is not just a place to live; it’s a community where neighbors become friends, and children grow up in a supportive environment. With its affordable housing options and strong educational foundation, St. Joseph is an ideal location for families looking to plant their roots in a welcoming and dynamic city. Experience the warmth and charm of St. Joseph, where your dream home awaits!

Newest St. Joseph Homes with Conventional Financing

$229,900
4 Beds ⋅ 3 Baths
Beautifully remodeled 4 bed, 3 bath with a master on the main level AND a master on the upstairs level!! Main floor laundry! Over 1,800 square feet with a detached garage! There is NOTHING to be desired in this one! A spacious living room PLUS a formal dining room! EVERYTHING is new in this one....down to the studs! Lovely stainless kitchen appliances! A kitchen that a cook will LOVE!!! Be sure and schedule your showing to see this one in person....I PROMISE you won't be disappointed!!

2634 Olive Street, St Joseph

Listing courtesy of Kris Smith of Keller Williams KC North.
$164,900
3 Beds ⋅ 2 Baths
This 3-bedroom, 2-bath home combines one-level living with updates throughout and plenty of space inside and out. Completely remodeled during prior ownership, the home features stainless steel appliances and an updated interior. Outside, you'll find a private yard, off-street parking and a detached 2-car garage with alley access. The home is also close to area schools and the St. Joseph Parkway system, with parks and trails nearby.

2718 Mary Street, St Joseph

Listing courtesy of Julie Hesselmann of Realty ONE Group Cornerstone.
$649,900
4 Beds ⋅ 3.5 Baths
Classic Tudor architecture, beautifully established landscaping, and exceptional pride of ownership define this meticulously maintained 1922 home. Offering 4 bedrooms, 2 full bathrooms, and 2 half bathrooms, this distinctive residence is a melting pot of timeless character, generous living space and thoughtful functionality. The adobe has been thoughtfully updated for today’s lifestyle, including a new AC system in 2023 and a ventless fireplace log set installed in 2024. The kitchen features all-new GE Café appliances, with interchangeable handles in black or brushed brass for a customized look, along with a convection oven. The mounted LG Frame TVs in the primary bedroom, living room, and guest room will remain with the home, as will the washer and dryer. A true highlight is the inviting outdoor setting, where established landscaping and thoughtfully designed seating areas create a peaceful extension of the home. Enjoy morning coffee, entertaining, or simply the privacy and beauty of the surroundings. Outside, a new concrete driveway with a graceful curve enhances the property's curb appeal, while the garage features an epoxy-coated floor for a clean, finished appearance. Combining historic charm, spacious interiors, thoughtful updates, and exceptional outdoor appeal, this special property offers the character of a classic Tudor with the comfort and conveniences today's buyers desire. A rare opportunity to own a beautifully cared-for home in a sought-after setting along Ashland Avenue.

1610 Ashland Avenue, St Joseph

Listing courtesy of Alison HORN of The Horn's Realty LLC.
$105,000
3 Beds ⋅ 1 Baths

815 S 21st Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$115,000
3 Beds ⋅ 1.5 Baths
This adorable 1½ story home is located in a quiet neighborhood and has been successfully used as a short-term rental for the past two years. The home features newer flooring and HVAC, along with a large eat-in kitchen and a separate dining room, used as an office space currently. The main floor includes a bedroom, living room, and a half bath with no sink. Upstairs are two additional bedrooms and a full bath. Convenient on-street parking in front, plus gravel parking in the back for off-street parking. A great opportunity for an owner occupant or investment property! Sellers used this property as a long term rental for 3-4 years and switched to a short term rental over 2 years ago. Average monthly gross income was $1300 over the last 12 months (and they took one of those months off last year). It is called The Minthouse. People leave reviews that they love the homey feel, quiet neighborhood and close proximity to bars, restaurants and downtown. New roof to be installed in September. Owner agents.

716 N 24th Street, St Joseph

Listing courtesy of Tracy TIETJENS of REECENICHOLS-IDE CAPITAL.
$95,000
2 Beds ⋅ 1 Baths
Turn-key income-producing property! This two-bedroom, one-bathroom home is already occupied by long-term tenants, offering a new owner the opportunity to step into an established rental and begin collecting income from day one. The practical layout features a galley kitchen, luxury vinyl plank flooring throughout the living areas, and carpeted bedrooms for added comfort. A large basement provides substantial additional storage space. With reliable long-term tenants already in place and no need to start from scratch, this property is a great opportunity to add a proven income-producing home to your rental portfolio.

815 Pendleton Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$119,000
3 Beds ⋅ 1 Baths
INCOME, OPPORTUNITY & UPSIDE! This recently refreshed three-bedroom, one-bathroom home is already occupied by a long-term tenant, giving investors the opportunity to step into an established rental with income from day one. Enjoy the inviting front porch, detached garage, and convenient basement laundry. But the real value may be above you—the unfinished second floor offers a blank canvas for a buyer willing to bring some sweat equity and unlock additional living space and future value. With rental income already in place and room to expand, this property offers a combination that's hard to overlook: cash flow today with potential for more tomorrow!

709 S 16th Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$229,000
3 Beds ⋅ 2 Baths
Welcome home to this well-maintained 3-bedroom, 2-full-bath home offering comfortable living and plenty of desirable features. Enjoy the warmth and character of hardwood floors beneath the existing carpet, along with an inviting eat-in kitchen where all kitchen appliances stay with the home. The washer and dryer are also included for added convenience. Outside, you’ll find a fenced-in yard and a storage shed that stays, providing great space for outdoor enjoyment and additional storage. This home has been lovingly cared for and is ready for its new owners!

2403 College Lane W, St Joseph

Listing courtesy of Tammy RIVERA of BHHS Stein & Summers Real Estate.
$135,000
2 Beds ⋅ 1 Baths

1516 E Highland Avenue, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$4,900

1202 24th Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$209,000
4 Beds ⋅ 2 Baths

2722 Seneca Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$209,000
4 Beds ⋅ 2 Baths

3419 Seneca Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
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