St. Joseph Homes with HOA Y/N

St. Joseph Homes with HOA Y/N

Welcome to St. Joseph, Missouri—a vibrant city nestled in Buchanan County that combines rich history with modern living. One of the standout features of this charming locale is its commitment to education, epitomized by the St. Joseph School District. This district is renowned for its dedication to academic excellence and offers a variety of educational programs designed to meet the diverse needs of its students. With a strong emphasis on community involvement and parental engagement, families can feel confident that their children are receiving a quality education in a nurturing environment.

The St. Joseph School District boasts several public schools, including elementary, middle, and high schools, all equipped with dedicated educators and innovative curricula. The district also offers various extracurricular activities, ensuring students have the opportunity to explore their interests and develop their talents outside the classroom.

For those considering a move to St. Joseph, you'll find an array of beautiful homes, many of which are part of homeowner associations (HOAs). These communities not only provide well-maintained amenities and services, but they also foster a sense of camaraderie among neighbors. Living in an HOA can enhance your lifestyle, offering access to recreational facilities, organized events, and the peace of mind that comes from living in a well-regulated community.

Whether you're looking for a family-friendly neighborhood or a quiet retreat, St. Joseph's real estate market has something for everyone. Discover the perfect home in this welcoming city and experience all that St. Joseph has to offer!

Newest St. Joseph Homes with HOA Y/N

$665,000
4 Beds 5.5 Baths
LAKEFRONT LIVING AT ITS FINEST in St. Joseph’s premier neighborhood, Lake at Twelve Oaks! Set on a beautiful .85-acre lakefront lot, this classic 1.5-story estate offers exceptional space, thoughtful design & breathtaking water views from every level. The main level features a spacious primary suite with wood floors, dual walk-in closets, fireplace & access to the expansive lake-view deck. The luxurious primary bath includes a soaking tub, large walk-in shower & double vanity, while a convenient guest powder room serves the main level. The massive vaulted Great Room features a stunning stone fireplace & gorgeous lake views. The impressive chef’s kitchen is fully equipped with abundant workspace, beautiful views & access to a large walk-in pantry and massive laundry room with additional storage & laundry sink. Upstairs, a spacious landing leads to 3 large bedrooms. One offers 2 closets & a private en-suite, while the other 2 feature walk-in closets & a shared tub/shower en-suite, each with its own vanity & toilet area. The walkout lower level adds incredible living & entertaining space with a 3rd fireplace, large family room with wet bar, 5th non-conforming bedroom with walk-in closet, wine cellar, storage rooms & a 4th garage bay ideal for a workshop, hobbies or storage. Beautiful lake views & easy water access can be enjoyed from all 3 levels, with the expansive deck offering direct access to the kitchen & primary suite—perfect for morning coffee, sunsets & entertaining. Lake at Twelve Oaks residents enjoy the lake, walking trails now linked to the local elementary school & seasonal traditions including the much-anticipated 4th of July fireworks & festivities. Space, privacy, lake views & an incredible neighborhood lifestyle—this is lakefront living with room to enjoy it all! Offered at a fantastic price for a lakefront estate property. Come see why this exceptional home may be perfect for you!

4603 S Lakewood Drive, St Joseph

Listing courtesy of Amy Voltz of Keller Williams KC North.

$499,900
3 Beds 4.5 Baths
Gorgeous, spacious, and designed for effortless living! This stunning 3-bedroom, 4.5-bath home offers an exceptional floor plan with two additional non-conforming bedrooms in the basement, providing flexibility for guests, an office, gym, or hobby space. Step inside and experience an abundance of natural light filling the home and creating a bright, welcoming atmosphere. The heart of the home is the huge chef’s kitchen, featuring an oversized island, an impressive amount of cabinet storage, and a plethora of pantry space! A lovely hearth room shares a see-thru fireplace with the living area. The main-floor primary suite offers convenience and privacy with en suite bath, while upstairs you'll find a second primary suite, making this home ideal for multi-generational living or hosting overnight guests. In fact, each bedroom enjoys its own private bathroom, offering comfort and convenience for everyone. The finished walk-out basement adds additional living space and opens to the outdoors, while the multi-level deck and screened-in porch create the perfect setting for morning coffee, evening gatherings, or simply enjoying the surrounding views. With generous living spaces, incredible storage, multiple private suites, and a location convenient to the hospital, shopping, dining, and everyday amenities, this home truly has it all. A must-see property with space, style, and versatility in all the right places!

512 Pinewood Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

$365,000
3 Beds 3 Baths
Welcome to this beautifully maintained 3-bedroom, 3-bathroom ranch home located in the desirable Garden Gate Court subdivision! Thoughtfully cared for and move-in ready, this home offers a comfortable blend of timeless design and modern updates, with plenty of space to live, entertain, and relax. The heart of the home is the oversized kitchen, featuring beautiful quartz countertops, abundant cabinetry, and a unique double-sided fireplace that serves both the kitchen and adjoining living room. Whether you're preparing dinner, large gatherings, or entertaining guests, this open and inviting space is sure to be a favorite. A formal dining room provides an additional setting for holidays, celebrations, or more traditional meals. The spacious primary bedroom offers a private retreat with its own en-suite bathroom and large walk-in closet, providing both comfort and excellent storage. Two additional bedrooms offer flexibility for guests, a home office, or hobbies. Fresh interior paint and modern luxury vinyl plank flooring throughout the main living spaces give the home a clean, updated feel, while carpeted bedrooms provide warmth and comfort. The full basement adds even more room to spread out, along with valuable storage and future potential for additional finished living space. From its desirable location in Garden Gate Court to its well-maintained condition and thoughtful updates, this ranch home offers the space, style, and convenience you've been looking for. Come see all this wonderful home has to offer!

3010 Hirter Drive, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.

$350,000
3 Beds 3 Baths
Beautifully updated, spacious home located in a quiet neighborhood close to shopping and dining! Recent updates include a remodeled kitchen with stainless steel appliances, updated bathrooms, new stain master carpet in the basement, zoned HVAC systems, and a newer water heater. The main level features beautiful hardwood floors throughout, a cozy fireplace in the oversized living room, three generously sized bedrooms, including a primary suite with double closets, a formal dining room, and a large utility room. Step outside to enjoy the beautifully landscaped backyard with a patio and a full privacy fence—perfect for entertaining, relaxing, or letting pets play safely. The fully finished lower level offers incredible additional living space, including a huge family room, a flex room that could serve as a home gym, office, or hobby room, a second living area with a gas fireplace, a kitchenette, new stain master carpet, a separate newer HVAC system, and a newer washer and dryer that will remain with the home. The oversized garage provides no-step entry with direct access to the lower level. Accessibility features include a handicap-accessible three-quarter bathroom and a stair lift to the main floor. Don’t miss this exceptional opportunity! This home offers an incredible amount of living space, thoughtful updates, and outstanding value. Schedule your showing today!

5 S Carriage Drive, St Joseph

Listing courtesy of AgentRoc Group of Keller Williams KC North.

$399,999
4 Beds 2.5 Baths
Welcome home to this beautifully maintained 4-bedroom, 2.5-bath residence offering approximately 2,787 sq ft of thoughtfully designed living space in a peaceful, private setting. From the moment you step inside, rich hardwood floors and a warm, inviting atmosphere set the tone. The main level features a spacious primary suite with a walk-in closet, plus a versatile second bedroom that works beautifully as a home office or flex space. Main-floor laundry adds everyday convenience, while a cozy gas fireplace creates a welcoming focal point in the living area. One of the home’s standout features is the 2-car garage, complete with a secondary kitchen featuring a gas stove and sink. Whether you enjoy canning, need extra space for entertaining prep, or have a favorite hobby, this unique setup offers endless possibilities. Plantation shutters and quality updates throughout add a polished touch while enhancing functionality. Downstairs, the finished lower level provides even more room to spread out, with two additional bedrooms—one non-conforming—generous storage, and flexible space that can easily adapt to a family room, home gym, guest retreat, or recreation area. Thoughtful updates offer added peace of mind, including a 2019 roof, HVAC system approximately four years old, furnace humidifier, and water softener. Best of all, low-maintenance living is built in, with the HOA covering lawn care, snow removal, and trash service. With abundant living space, versatile amenities, thoughtful updates, and a private setting, this home offers the perfect blend of comfort, convenience, and easy living.

4109 Hidden Valley Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

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