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

$220,000

4 Beds ⋅ 2 Baths

Full of character and offering an abundance of living space, this charming newly remodeled two story home is ready to welcome its next owners! Featuring 4 bedrooms, 2 full bathrooms, and approximately 1,908 square feet, this home offers a functional and inviting layout. The main level features a spacious living room, a separate dining room, and a lovely kitchen, creating the perfect spaces for everyday living and entertaining. Upstairs, you'll find four bedrooms, including a large and spacious primary suite. The suite features a second bedroom that offers flexibility for a nursery, home office, or the opportunity to transform it into an expansive walk-in closet. Also included in the suite is a spacious primary bathroom and a convenient adjoining laundry room. The unfinished basement provides additional storage, while the generous quarter acre lot offers plenty of outdoor space to enjoy. Centrally located in St. Joseph, this home blends classic two story charm with comfortable, practical living. Come take a look and see everything this home has to offer!

2619 Folsom Street, St Joseph

Listing courtesy of Janelle Misner of REECENICHOLS-IDE CAPITAL.

$189,900

3 Beds ⋅ 1 Baths

Nice Deer Park home, 3 bedrooms, 1 full bath with partially finished basement. Granite countertops and new appliances.

5007 Red Barn Lane, St Joseph

Listing courtesy of Joseph LARKIN of REECENICHOLS-IDE CAPITAL.

$375,000

3 Beds ⋅ 2 Baths

A rare piece of history with all the comforts of modern living! This beautifully updated and meticulously maintained 3-bedroom, 2-bath row house is truly a unique gem in St. Joseph. One of only three historic row houses west of the Mississippi River, this remarkable home showcases the timeless elegance, distinctive details, and exceptional craftsmanship of a bygone era while seamlessly blending in the conveniences of today. Original woodwork, two charming fireplaces, and beautiful transom windows are just a few of the architectural treasures that give this home its undeniable character and charm. Offering three fully finished levels of living space, there is room to spread out while enjoying the warmth and beauty of a home rich in history. Perfectly situated in the heart of Downtown St. Joseph, you'll love being within walking distance of local shops, restaurants, and the brewery. Don't miss this rare opportunity to own a truly special piece of St. Joseph history!

1208 Frederick Avenue, St Joseph

Listing courtesy of Christy Rippe of The St.Joe Real Estate Group,.

$149,900

2 Beds ⋅ 1 Baths

Beautifully renovated and ready to enjoy! Step inside to a fresh, inviting interior with new LVP flooring, a new kitchen and a beautifully updated bathroom. This 2-bedroom, 1-bath home offers approximately 1,112 square feet, with improvements extending well beyond the finishes: new electrical, plumbing, HVAC, A/C, roof and windows. Outside, the large, private, tree-lined backyard offers a lovely setting for entertaining or unwinding. Gather to enjoy the gravel fire-pit area, or there is plenty of room to spread out on the large lot. A detached garage adds convenient parking. The basement is clean and dry and great storage or projects. The new front porch with railing and concrete front steps creates a welcoming entrance. Located just two blocks from Lafayette middle school, this home brings together beautiful updates, major improvements and outdoor space you’ll want to see in person!

621 Independence Avenue, St Joseph

Listing courtesy of Elishia Carrillo of Realty ONE Group Cornerstone.

$489,900

3 Beds ⋅ 2.5 Baths

Beautiful new construction by Eric and Sara Vasut of ESVasut Homes, offering approximately 1,800 square feet of thoughtfully designed living space with quality finishes and attention to detail throughout. This 3-bedroom, 2.5-bath ranch features an inviting open floor plan with vaulted ceilings, hardwood flooring, and a stunning fireplace accented by custom shelving and cabinetry on either side. The kitchen showcases custom-painted cabinetry, granite countertops, and a convenient pantry, creating a functional space that flows seamlessly into the main living area. The spacious primary suite features a private bath with a double vanity and an Onyx shower. Additional highlights include a dedicated laundry room with utility sink, a walkout basement with the option to have the space finished for an additional cost, and an attached 3-car garage. Step outside to enjoy the large covered deck, perfect for relaxing or entertaining. Greystone homeowners also enjoy access to the neighborhood's stocked ponds and common areas. Conveniently located just minutes from the North Shoppes, restaurants, grocery stores, and everyday amenities. Enjoy the benefits of brand-new construction in a desirable community with plenty to offer!

4700 Woodland Shores Court, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.

$404,900

3 Beds ⋅ 3.5 Baths

If you’ve been waiting for a home in Wilshire Place that’s been truly cared for, this is the one to see. With over 3,100 square feet of finished space, a 3-car garage, and a finished walkout basement, there’s room here that’s hard to find, and the same owners have looked after it since the day it was built. Step inside and the vaulted ceilings and curved staircase with iron balusters set the tone right away. The formal dining room with its tray ceiling sits just off the entry, and the main floor opens up into a family room with a gas fireplace and custom built-in cabinetry. The kitchen is open to the family room with a breakfast bar, plus an island, solid surface counters, a wall oven, built-in microwave, pantry cabinets, and LVP flooring. The eat-in area sits in a bright bay window, and a sliding door leads right out to the deck. Just a few steps up are all 3 bedrooms and 2.5 baths, plus an office nook. The primary suite has a tray ceiling, a walk-in closet, and a bath with a corner jetted tub and a tiled walk-in shower with a built-in bench. The hall bath has a double vanity, and the laundry room on the same level comes with a utility sink, counter space, and plenty of cabinets. Head downstairs and the side walkout basement adds roughly 1,050 square feet of finished space. You’ll find a long rec room with recessed lighting, a second large living area by the walkout door, a non-conforming bedroom, and a full bath, with LVP flooring throughout. There’s also a separate storage room and a utility room for extra space. Out back, the composite deck with sleek metal railings overlooks a fully fenced yard with a big, mature shade tree. The HVAC was just serviced and checked out great, plantation shutters dress most of the windows, and the washer, dryer, and refrigerator all stay. HOA is only $75 a year. Space, condition, and a 3-car garage in Wilshire Place. This one is worth seeing in person!

4706 Wilshire Drive N, St Joseph

Listing courtesy of MICHAEL SIELA of REECENICHOLS-IDE CAPITAL.

$417,000

3 Beds ⋅ 2.5 Baths

Welcome to this amazing home in the desirable neighborhood of Carriage Hills! Live above the rest in your own private treehouse, surrounded by beautiful, mature trees and a serene setting. Immaculately clean and meticulously maintained, this home offers the perfect blend of comfort, space, and style. The kitchen is sure to impress with beautiful, stained cabinetry and gorgeous granite countertops. Enjoy both formal and casual living spaces, including an inviting formal living room with a fireplace, a dedicated media room perfect for movie nights, and an additional finished lower-level recreation room offering even more space to relax, entertain, or play. Upstairs, you'll find three spacious bedrooms, including an expansive primary suite that feels like a private retreat. The luxurious primary bathroom features double vanities, a large jetted soaking tub, a separate tiled shower with dual shower heads, a private water closet, and a generous walk-in closet. Two additional oversized bedrooms and a full bathroom complete the upper level. A three-car garage provides plenty of room for vehicles, storage, and hobbies. All set on a beautifully treed lot, this exceptional home offers space, privacy, and a wonderful setting in one of the area's most desirable neighborhoods. Come experience all this beautiful home has to offer!

3301 E Devonshire Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

$149,000

4 Beds ⋅ 3 Baths

This beautiful historic home is bursting with timeless character and old-world charm. Much of the hard work has already been completed, leaving just a few finishing touches to bring this classic beauty across the finish line. With its striking brick exterior, historic appeal, and incredible potential, this home offers a wonderful opportunity to make a piece of St. Joseph's history your own.

306 N 18th Street, St Joseph

Listing courtesy of Michael Ashby of Coldwell Banker General Property.

$179,000

2 Beds ⋅ 1 Baths

Welcome home to this charming, move in ready, 2 bedroom home in St Joseph! You will love the perfect blend of modern amenities and character. Featuring hard wood floors, granite countertops, new kitchen cabinets, and an updated bathroom that offers both functionality and beauty. An almost new HVAC provides peace of mind, and all (newer) appliances stay! There's a one car garage and plenty of additional parking and storage as well! You will enjoy the easy access to parks, schools, and local amenities. Schedule a showing today to see this beautiful home!

3008 Angelique Street, St Joseph

Listing courtesy of Karla DENNEY of United Real Estate Kansas City.

$165,000

Old world charm meets modern convenience with this awesome duplex located in the Museum Hill Historic District. The property is cash flowing and ready to plug right into your portfolio. Both units offer 3 bedrooms and 1.5 baths. All utilities are separated so tenant covers utility costs. Units are all electric with central air and main floor laundry. If you are looking to expand your portfolio, or possibly even looking to buy a property to live in one side and then let the rent assist with your monthly expenses, this property needs to be on your must see list. Seller is licensed real estate professional.

301-303 S 13th Street, St Joseph

Listing courtesy of Marty Lyle of Top Hand Property Services.

$120,000

2 Beds ⋅ 1 Baths

2101 Commercial Street, St Joseph

Listing courtesy of Corbin POLSGROVE of The St.Joe Real Estate Group,.

$229,900

3 Beds ⋅ 1.5 Baths

Coming Soon! NEW CONSTRUCTION! All electric 3 bedroom, 2 bath home on a level corner lot. Kitchen includes white cabinets, granite counters, walk-in-pantry & stainless appliances. Main floor laundry is just off the good sized bathroom. LVP throughout the main level. 3 bedrooms (carpeted), & 2nd bathroom are on the second level. Covered front porch, patio in back, deep backyard with off street parking. 1 year builder warranty provided. Sharp looking home - a must see. Priced below appraisal.

919 W Valley Street, St Joseph

Listing courtesy of Barbara RICH of RE/MAX PROFESSIONALS.

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St. Joseph Homes with Conventional Financing

Newest St. Joseph Homes with Conventional Financing

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