St. Joseph Homes with FHA Financing

Welcome to St. Joseph, Missouri – a vibrant city nestled in Buchanan County, known for its rich history, charming neighborhoods, and an exceptional school district that prioritizes educational excellence. The St. Joseph School District is renowned for its commitment to fostering a nurturing environment where students can thrive academically and socially. With a diverse array of programs, dedicated educators, and modern facilities, parents can feel confident that their children are receiving a top-notch education.

St. Joseph is home to a variety of schools, including elementary, middle, and high schools, all designed to cater to the unique needs of each student. The district emphasizes innovative teaching methods and offers a range of extracurricular activities, ensuring that students not only excel in their studies but also develop important life skills and friendships that last a lifetime.

For those considering making St. Joseph their home, the real estate market is particularly inviting. Many homes in this picturesque city qualify for FHA financing, making homeownership more accessible for families and first-time buyers. With a variety of styles and price points available, you can find the perfect home to suit your needs while enjoying the benefits of a supportive community and excellent educational opportunities.

Whether you’re drawn to the historic charm of downtown or the welcoming atmosphere of suburban neighborhoods, St. Joseph offers a wonderful place to live, learn, and grow. Explore the possibilities today and discover why so many families are choosing St. Joseph as their forever home!

Newest St. Joseph Homes with FHA Financing

$849,300

5 Beds ⋅ 4.5 Baths

PREMIUM PROPERTY- A Rare Opportunity in Today's Market, Residing in Coveted River Ridge Estates. Experience elevated living in this stunning contemporary estate designed for comfort, sophistication, and entertaining. Situated on a private, landscaped lot, this spacious five bedroom residence offers expansive indoor and outdoor spaces with over 4,600 square foot premium finishes throughout. -Grand two-story entry foyer with designer chandelier -Open concept living and dining areas with floor-to-ceiling windows -Gourmet Chef’s Kitchen featuring custom cabinetry, oversized Island, and premium appliances -Luxurious primary suite with spa-in-spired bathroom, and custom walk-in closet -5 Bathrooms -Hand crafted recreational area -Sam Church wood flooring featuring walnut inlays -Home office and fitness room. -Low maintenance exterior -Private Acreage with Beautiful Sunsets. This Scenic location features Beautifully maintained Homes, Mature Landscaping, and a True Sense of Community. Whether you're looking to grow your family or find a tranquil escape from the city, this home offers the ideal setting. Neighborhood atmosphere is warm, welcoming, and full of pride. Conveniently located near schools, shopping, and major transit routes, a perfect balance of serenity and accessibility.

2350 River Ridge Road, St Joseph

Listing courtesy of Jim McMillian of Coldwell Banker General Property.

$250,000

3 Beds ⋅ 1 Baths

Looking for a ranch home just south of St. Joseph with an impressive 30x60 outbuilding with 14' (wide) door? This one is worth a look! Situated on just under an acre, the property is partially surrounded by mature trees, offering a peaceful setting. The home features 3 bedrooms, or use the small third bedroom as a home office or hobby room, plus a spacious attached garage with additional parking alongside. A cherry tree welcomes you in the front yard, adding to the home's charm. There is an unfinished walkout basement to use any way you need it. The standout feature is the large outbuilding, conveniently accessible from the road behind the property. It includes a sliding door on the west end, and a second sliding door on the south side that is currently closed off. The building is larger than it appears in photos, and some tools and contents—including an air compressor—may be negotiable.

9807 SW State Route Jj Highway, St Joseph

Listing courtesy of Tracy TIETJENS of REECENICHOLS-IDE CAPITAL.

$205,000

3 Beds ⋅ 2 Baths

Welcome home to this charming 3-bedroom, 2-bathroom home in one of St. Joseph’s desirable neighborhoods! From the moment you arrive, you’ll fall in love with the welcoming front porch, complete with a porch swing—the perfect spot to enjoy your morning coffee or relax after a long day. Inside, you’ll find a comfortable layout designed for everyday living, while outside you’ll appreciate the spacious deck, ideal for entertaining family and friends. The attached two-car garage offers plenty of room for vehicles, storage, or hobbies. Conveniently located within walking distance to schools, parks, and everyday amenities, this home combines comfort, convenience, and neighborhood charm. Whether you’re a first-time homebuyer, looking for more space, or searching for your next place to call home, this property checks all the boxes. Don’t miss your opportunity to own this beautiful home in a fantastic St. Joseph location—schedule your private showing today!

2823 Charles Street, St Joseph

Listing courtesy of RJC Team of Keller Williams KC North.

$342,500

5 Beds ⋅ 2 Baths

Beautiful 5-bedroom ranch with room to grow—perfect blend of single-level convenience and spacious living. This light-filled home features a floor plan that flows from a welcoming entry into two generous living areas ideal for everyday life and entertaining. The well-appointed kitchen offers ample counter and cabinet space and easily accommodates casual dining. Five comfortable bedrooms provide flexible options for family, guests, or a home office. The primary suite is a private retreat. Hardwood runs through the main living areas, adding warmth and character. Step outside to a lovely screened-in back deck—an ideal spot for morning coffee, summer meals, or bug-free evenings with guests. The large yard gives plenty of room for play, gardening, or future expansion.

2820 Scott Street, St Joseph

Listing courtesy of Tyson Huff-Garza of The St.Joe Real Estate Group,.

$275,000

3 Beds ⋅ 3 Baths

Welcome home to this beautiful property in the highly desirable Stonecrest neighborhood! This spacious 3-bedroom, 3-full-bath home offers a warm and inviting layout with exceptional living space inside and out. The welcoming living room features a cozy fireplace and beautiful hardwood flooring, creating the perfect space to relax or entertain. The large eat-in kitchen offers abundant cabinet space, extra pantry storage, and a convenient built-in desk, making it as functional as it is inviting. The main-floor primary suite provides a private retreat with an attached full bathroom and a generous closet. Downstairs, you'll find a finished recreation room, an additional bonus room with endless possibilities for a home office, gym, hobby room, or guest space, plus a third full bathroom. Step outside to enjoy the fenced backyard, ideal for pets, play, or outdoor gatherings. An attached two-car garage and attractive curb appeal complete this home. Don't miss your opportunity to own this wonderful home in the sought-after Stonecrest neighborhood!

5001 Stonecrest Terrace, St Joseph

Listing courtesy of AgentRoc Group of Keller Williams KC North.

$299,900

3 Beds ⋅ 2.5 Baths

Welcome to 3909 W. Haverill Drive, a family-friendly home in an established neighborhood. This inviting residence is just minutes from the North Shoppes and offers easy highway access, all while being nestled in the heart of the neighborhood. Friendly neighbors create a warm atmosphere, perfect for children and pets alike. This split-level home features a remodeled open kitchen with a large island, new flooring, and an open living area your family will love. Cozy up by the gas fireplace and enjoy the abundant natural light streaming through the large windows, which add warmth and joy to the home. Step out onto the spacious walkout deck overlooking the backyard—ideal for family gatherings and outdoor fun. The home has three bedrooms, including a large master suite with a full bathroom. There are also two additional spacious bedrooms. A fully remodeled bathroom is conveniently located in the hallway for family and guest use. The finished lower level provides extra living space, including a half bath for added convenience. Additionally, a large two-car garage provides parking and extra storage. Schedule your showing today; you don’t want to miss this opportunity!

3909 W Haverill Drive, St Joseph

Listing courtesy of Melissa Winn of Top Property Realty, LLC.

$229,900

3 Beds ⋅ 1 Baths

This great family home has 3 bedrooms and a bonus 4th room downstairs that could be an office or non-conforming bedroom. The finished basement has a storage room, large laundry room, and a finished family room. Upgrades include a two year-old roof, a one year-old Central Air and new luxury vinyl plank flooring on the main. It features a patio for entertaining with a Pergola and swing to enjoy the large privacy fenced backyard.

3101 S 33rd Terrace, St Joseph

Listing courtesy of Lisa WISDOM-STRAYER of RE/MAX PROFESSIONALS.

$199,500

3 Beds ⋅ 1 Baths

This well-maintained 3-bedroom, 1-bathroom home combines classic charm with significant updates. Beautiful original hardwood and LVP floors add warmth and character throughout, while freshly painted rooms create a bright, inviting atmosphere. The updated bathroom offers modern convenience, and a brand-new roof provides added peace of mind for years to come. Enjoy the convenience of a one-car garage and a fully fenced backyard—perfect for pets, play, or weekend barbecues. Located in a quiet neighborhood just minutes from walking trails, grocery stores, dining, and everyday essentials, this home offers both comfort and convenience. Whether you're a first-time buyer or looking to downsize, this move-in ready home is one you won't want to miss!

507 E Meadow Lane, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.

$215,000

3 Beds ⋅ 2 Baths

Great ranch home offering easy one-level living! This well-maintained home features three bedrooms and two bathrooms, including a primary suite with its own private bath. Enjoy the convenience of main-floor laundry with a newer stackable washer and dryer. The spacious layout includes both a living room and a family room, along with a large kitchen offering abundant cabinet space for storage and meal preparation. The family room features vaulted ceilings and large windows that fill the space with natural light. Over the past few years, the home has seen several updates, including fresh interior paint, new light fixtures, and updated appliances. Outside, you'll find a one-car attached garage plus an oversized detached two-car garage, providing plenty of space for additional vehicles, a workshop, or extra storage. The fenced backyard offers a great space for pets, play, or entertaining. This move-in-ready home combines comfort, functionality, and plenty of storage, making it a wonderful place to call home.

2214 S 28th Street, St Joseph

Listing courtesy of Teresa Hayes of Twaddle Realty, Inc..

$415,000

4 Beds ⋅ 3 Baths

Completely redesigned in 2021, this stunning raised ranch blends modern style, thoughtful updates, and the peaceful setting of 3 beautiful acres. Every detail of the renovation was carefully considered to create a home that is both functional and inviting. The garage is spacious enough for up to four vehicles! The spacious open-concept layout offers comfortable living with contemporary finishes, while the oversized 2-car garage provides plenty of room for larger vehicles, trucks, or SUVs, plus additional storage and workspace. A tankless water heater ensures you'll enjoy an endless supply of hot water, adding both convenience and energy efficiency to your daily routine. Step outside and enjoy the privacy and possibilities that come with 3 scenic acres—ideal for outdoor entertaining, gardening, recreation, or simply taking in the country views. Whether you're looking for extra space to spread out or a beautifully updated home that's move-in ready, this property offers the perfect combination of modern comfort and rural charm.

315 Harrington Avenue, St Joseph

Listing courtesy of Ryan KING of REECENICHOLS-IDE CAPITAL.

$399,900

4 Beds ⋅ 3 Baths

Take a look at this great 4 bed 3 bath front to back split. Several upgrades in this house is waiting for your personal touches to make this your new home. Situated in a cul-de-sac and offering a great floor plan with awesome primary suite and main floor laundry, this home offers plenty of space and a fantastic pool in the back to help cool you off on those hot summer days. Settle in for your favorite sporting event in the lower level rec room, the 4th bedroom is also located in the basement with a full bath down the hall. At the back of the garage you will find a small workshop to work on those little at home projects. Put this house on your must see. It ticks the boxes on your checklist.

4406 Windsor Court, St Joseph

Listing courtesy of Marty Lyle of Top Hand Property Services.

$290,000

3 Beds ⋅ 1.5 Baths

Move right in and start enjoying everything this beautifully updated home has to offer! Located in one of St. Joseph's desirable neighborhoods, 3806 N 25th Terrace features 3 main-level bedrooms, 1.5 bathrooms, and has been remodeled from top to bottom with modern finishes throughout. The functional layout offers the convenience of having all three bedrooms on the main level, while the finished basement provides additional living space that's perfect for a family room, home office, gym, or playroom. An attached 2-car garage adds plenty of storage and everyday convenience. Step outside to your fenced in backyard retreat featuring a covered deck with built-in benches and a mounted TV—ideal for entertaining family and friends or simply relaxing after a long day. The spacious yard offers plenty of room to spread out, play, or enjoy outdoor activities. Conveniently located just minutes from North Shoppes, restaurants, schools, and everyday amenities, this move-in ready home offers the perfect combination of style, comfort, and location. Don't miss your opportunity to make 3806 N 25th Terrace your next home—schedule your private showing today!

3806 N 25th Terrace, St Joseph

Listing courtesy of Claire Lett of RE/MAX PROFESSIONALS.

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