Lake at Twelve Oaks Homes with Conventional Financing

Welcome to Lake at Twelve Oaks, a picturesque subdivision nestled in the heart of St. Joseph, Missouri. This charming community offers a perfect blend of tranquility and convenience, making it an ideal place for families, retirees, and everyone in between. With its scenic views and well-maintained surroundings, Lake at Twelve Oaks captures the essence of suburban living while being just a stone's throw away from the vibrant amenities of St. Joseph.

The homes in this delightful subdivision are designed with comfort and style in mind. Each residence boasts unique architectural features, spacious layouts, and beautiful landscaping, ensuring that you feel right at home from the moment you step inside. Whether you’re searching for a cozy starter home or a larger space for your growing family, Lake at Twelve Oaks has something to offer everyone.

One of the standout features of this community is the accessibility of conventional financing options. This opens the door for many potential homeowners to explore their dream of owning a home in this desirable area. With the right financing, you can make Lake at Twelve Oaks your own, allowing you to enjoy the serene lifestyle it offers without breaking the bank.

Residents of Lake at Twelve Oaks appreciate the nearby parks, recreational facilities, and excellent schools, making it a wonderful place to raise a family. Don’t miss your chance to be part of this thriving community. Come discover the charm of Lake at Twelve Oaks, where your dream home awaits!

Newest Lake at Twelve Oaks Homes with Conventional Financing

$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.

$700,000

4 Beds ⋅ 3.5 Baths

Welcome to 3506 Woodland Pointe Drive in the highly sought-after Lake at Twelve Oaks community- where luxury, comfort and everyday functionality come together beautifully. Newly renovated and thoughtfully updated throughout, this 4-bedroom, 4-bath home offers just over 3,800 square feet of refined living space with serene lake views and upscale finishes at every turn. The stunning main level showcases wide-plank white oak flooring, an open-concept design and a show-stopping chef's kitchen featuring custom cabinetry and an impressive 15-foot island, creating the perfect space for entertaining and gathering. Upstairs, the spacious primary suite serves as a private retreat with a spa-inspired bath complete with heated floors, a heated shower bench, a custom walk-in closet and a convenient laundry access. The finished basement further expands the home's living space with heated floors, a large recreation area and a wet bar designed for effortless entertaining. Step outside to enjoy the newly completed deck overlooking the spacious backyard, offering the ideal setting for relaxing, hosting guests and taking in the peaceful surroundings. Nestled on a cul-de-sac among beautiful estate-style homes, this remarkable property blends modern luxury with timeless elegance in one of St. Joseph's premier neighborhoods.

3506 Woodland Pointe Drive, St Joseph

Listing courtesy of Mercedees Schott of Top Property Realty, LLC.

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