Harbor Lake Homes with FHA Financing

Welcome to Harbor Lake, a picturesque subdivision nestled in the charming city of Smithville, Missouri, within Clay County. This serene community is the perfect blend of natural beauty and modern living, offering residents a tranquil escape just a stone's throw from the vibrant amenities of the Kansas City metropolitan area.

Harbor Lake is renowned for its stunning homes that reflect a variety of architectural styles, ensuring that there is something to suit every taste. Each residence is thoughtfully designed, featuring spacious layouts, contemporary finishes, and lush outdoor spaces that invite you to enjoy the great outdoors. Whether you are a first-time homebuyer or looking to upgrade, you will find the ideal setting in this welcoming neighborhood.

One of the standout features of Harbor Lake is its accessibility to FHA financing, making homeownership more attainable for many families. This financing option opens the door for qualified buyers to secure their dream home with lower down payments and flexible credit requirements. It's a fantastic opportunity for those looking to invest in their future without the burden of overwhelming financial constraints.

Residents of Harbor Lake enjoy a close-knit community atmosphere, where neighbors become friends and local events foster a sense of belonging. With nearby parks, recreational facilities, and top-rated schools, families can thrive in this idyllic setting. Experience the charm of Harbor Lake, where your dream home awaits amidst the beauty of Smithville, MO. Come explore this vibrant community and discover the perfect place to call home!

Newest Harbor Lake Homes with FHA 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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