Harbor Lake Homes with Cash Financing

**Welcome to Harbor Lake: Your Dream Home Awaits in Smithville, MO!**

Nestled in the picturesque landscape of Smithville, Missouri, Harbor Lake is a charming subdivision that offers a serene lifestyle with the perfect blend of modern amenities and natural beauty. This sought-after community is situated in Clay County, just a short drive from the vibrant city of Kansas City, making it an ideal location for those who appreciate both tranquility and convenience.

Harbor Lake is characterized by its stunning homes, many of which boast beautiful lakefront views and spacious lots, perfect for families or anyone looking to enjoy the great outdoors. The community is designed for comfort and relaxation, featuring well-maintained parks, walking trails, and easy access to the sparkling waters of Harbor Lake, where residents can indulge in fishing, kayaking, or simply soaking in the sun.

One of the most appealing aspects of Harbor Lake is the flexibility it offers for homebuyers. With cash financing options available, prospective homeowners can enjoy a smoother purchasing process, allowing for a quicker transition into their dream home. This financial flexibility opens doors for a wider range of buyers, making it easier to secure a property in this desirable neighborhood.

Experience the warmth and community spirit of Harbor Lake, where neighbors become friends and every sunset over the lake feels like a personal invitation to unwind. Whether you’re looking for a peaceful retreat or a place to grow your family, Harbor Lake in Smithville, MO, is the perfect place to call home. Don’t miss out on the opportunity to be part of this wonderful community!

Newest Harbor Lake Homes with Cash Financing

$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.

$575,000

4 Beds ⋅ 3 Baths

Welcome home to this beautifully maintained property offering impressive indoor and outdoor living just minutes from Smithville Lake! Stone accents, wood-look garage doors and permanent JellyFish outdoor lighting create standout curb appeal. The fenced, treed yard features a fence added in 2023, irrigation system and whole-house water filtration. New gutters, downspouts and screens were added as needed in 2025. Inside, the open layout is filled with natural light, detailed woodwork and beautiful hardwood floors. Existing hardwoods were refinished in 2023, with new hardwood added in the living room, hallway, primary bedroom, front bedroom, stairs and landing. The spacious living area features a striking fireplace with floor-to-ceiling wood detailing and flows into the kitchen and dining spaces. The kitchen offers new appliances added in 2024 and an impressive walk-in pantry with abundant storage. The primary suite includes a jetted tub and separate walk-in shower. Keyless entry at the front and back doors and an electric vehicle hookup in the garage add convenience. Outdoor living shines with a private heated saltwater in-ground pool, converted in 2024, surrounded by landscaping and generous patio space. The pool features a color-changing light, fountains, new Polaris pool cleaner and a new variable-speed pool pump installed 4/2026. Two levels of screened-in outdoor living overlook the pool and backyard, including a double screened-in porch with thick screening for added comfort and privacy. A neighborhood trail provides easy access to the surrounding area. Additional highlights include a spacious 3-car garage, new roof in 2025 and proximity to Smithville Lake for boating, fishing, trails and recreation. With its private pool, multiple outdoor living spaces and extensive improvements, this home offers a getaway feel without leaving home!

2004 NE 197th Court, Smithville

Listing courtesy of Curtis Roe of Keller Williams KC North.

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