64020 Homes with Conventional Financing

Welcome to the charming town of Concordia, Missouri, nestled within the picturesque zip code of 64020. Known for its small-town allure and friendly atmosphere, Concordia offers a unique blend of rural tranquility and convenient access to urban amenities. With its rich history and welcoming community, it’s no wonder that many are drawn to call this area home.

In Concordia, you’ll find a diverse selection of homes that cater to various lifestyles and budgets. Whether you’re a first-time buyer or looking to settle down in a peaceful environment, homes in this area are often available with conventional financing options, making your dream of homeownership more attainable. From cozy single-family residences to spacious properties with sprawling yards, the real estate market here offers something for everyone.

The town boasts a strong sense of community, with local events and gatherings that foster connections among residents. Enjoy leisurely strolls through the charming streets, where you can admire beautifully maintained homes and landscapes. Additionally, Concordia is conveniently located near major highways, providing easy access to nearby cities and attractions, making it an ideal spot for commuters.

Nature enthusiasts will appreciate the nearby parks and recreational areas, perfect for family outings, picnics, or simply unwinding after a long day. With its blend of community spirit, affordability, and accessibility, the 64020 zip code in Concordia, MO, stands out as an excellent choice for those looking to invest in a home that perfectly balances comfort and convenience. Come explore the possibilities and discover why Concordia is a wonderful place to call home!

Newest 64020 Homes with Conventional Financing

$1,750,000

4 Beds ⋅ 5.5 Baths

This exceptional 80± acre estate presents a rare opportunity to combine luxury living, recreational amenities, and dependable agricultural income in a single, meticulously maintained property. Built in 2013 to exacting standards, the custom residence offers 5,511 finished square feet, refined interior finishes, and premium-grade appliances and mechanical systems throughout. A high-efficiency industrial geothermal heating and cooling system delivers substantial savings on utility costs, while durable Hardy Board siding provides lasting protection against the elements. The unfinished basement offers additional square footage ready to be customized to the next owner's specifications. The grounds are equally impressive, featuring a picturesque 3-acre fishing pond, 44 acres of premium bottomland, and productive pasture currently maintained for hay. A 60x40 metal barn supports equipment storage and agricultural/recreational operations. Mulkey Creek winds through the heart of the property, supporting a rich, thriving ecosystem and abundant wildlife habitat. The property's productive row crop bottomland and well-maintained hay ground provide a reliable source of annual income, making this an ideal acquisition for buyers seeking both a distinguished residence and a sound agricultural investment. Thoughtfully designed and impeccably executed, this turn-key country estate delivers high-end living paired with practical, productive land management.

1124 NE CC Highway, Concordia

Listing courtesy of Harrison Jett of Simpson Land Company.

$250,000

4 Beds ⋅ 3.5 Baths

Don't miss this spacious 4-bedroom, 3 full and one half bath home offering room to spread out both inside and out! This property comes with an additional corner lot, giving you nearly half an acre of yard space—perfect for entertaining, play, gardening, or potential building spot for investment or personal use. The main backyard behind the house has a deck and a chain link fence. Step inside to an inviting open-concept living room and kitchen that's perfect for everyday living and gatherings. All four bedrooms are generously sized and conveniently located on the main level, along with a main level laundry room. The spacious primary suite features its own updated ensuite with a double vanity. Storage won't be an issue with plenty of closet space throughout the home, plus a large storage room located in the attached two-car garage for all your tools, seasonal décor, and outdoor equipment. With its functional layout, generous living space, and oversized lot, this Concordia home is one you won't want to miss!

404 SW 7th Terrace, Concordia

Listing courtesy of Megan Spencer of Elite Realty.

$195,000

3 Beds ⋅ 2 Baths

This exquisite Craftsman home is a perfect blend of modern amenities and classic charm...With an array of recent upgrades, this residence not only boasts aesthetic appeal but also enhances energy efficiency and livability...The home features new Anderson windows that flood the interior with natural light...These high-quality windows are designed for durability and energy efficiency, ensuring that the home remains comfortable year-round while reducing heating and cooling costs...The exterior has been freshly painted, giving it a vibrant look that complements its architectural style. New gutters and gutter guards have been installed to protect the home from water damage and minimizing maintenance needs. The well-established landscaping adds to the curb appeal, featuring mature trees, shrubs, and flower beds that enhance the overall beauty of the property... Interior comforts include a a new furnace and central air conditioning system equipped with a humidifier. This ensures optimal indoor climate control regardless of the season.... The updated bathrooms feature modern fixtures and finishes that provide both style and convenience...Large rooms with tall ceilings create an open feel throughout the living spaces...The layout is ideal for both entertaining guests and enjoying quiet family time...The property includes a great old-fashioned front porch, perfect for relaxing or socializing with neighbors...There is ample space for an outdoor kitchen, making it an ideal setting for summer barbecues or gatherings. A self-pollinating peach tree , complemented by thornless blackberries that offer easy harvesting without the hassle of thorns...For those needing additional storage space, there is a nice storage shed on the property for your garden tools and lawn care equipment...A privacy fence surrounds the yard, offering seclusion from neighbors while creating a safe environment for children or pets to play freely... Call today and view this one of a kind updated Craftsman..

507 S West Street, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

$127,900

3 Beds ⋅ 1.5 Baths

**BACK ON MARKET DUE TO NO FAULT FROM SELLER**** Welcome home to this charming 3-bedroom, 1.5-bath property nestled in a quiet, peaceful neighborhood. Move-in ready and waiting for its new owner, this home offers a comfortable layout with generous closet space in every bedroom, providing plenty of storage throughout. Major mechanical updates provide added value and peace of mind, including a new furnace and air conditioner installed in 2024 and a new water heater installed in 2026. These big-ticket improvements mean less worry and more time enjoying your new home. Enjoy the best of both worlds with an out-of-town feel while still being conveniently located near shopping, dining, schools, and other everyday amenities. Whether you're looking for a place to put down roots, need extra space for your growing family, or simply want a home in a serene setting, this property is one you won't want to miss. Schedule your showing today and see all this property has to offer. Home is being sold as-is, seller will make no repairs or inspections.

701 S Frederick Street, Concordia

Listing courtesy of Deena Daniels of Equity Missouri LLC.

$350,000

3 Beds ⋅ 1 Baths

Beautiful 10-acre hobby farm featuring a 3BR/1BA farmhouse and multiple functional outbuildings. Property includes a large shop with office, tiny house, brooder houses, and a mini milk barn, offering excellent versatility for livestock, homesteading, or small-business use. Land provides open space, mature surroundings, and room to expand. A rare opportunity to own a fully equipped, multi-use farmstead at an affordable price. This property has it all.

696 Highway CC Road, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

$379,900

4 Beds ⋅ 3.5 Baths

Due to circumstances unrelated to the home or the sellers, this beautiful property is available once again. IF you missed your chance the first time now is your opportunity! Wake up to peaceful country views in this spacious and beautifully designed home located in a highly desirable subdivision surrounded by quality homes. Enjoy relaxing mornings and evenings from the covered back deck. Inside, the open-concept kitchen, breakfast area, and great room create the perfect gathering space for family and entertaining, while the formal dining room and separate office (or 4th BR) provide added flexibility and function. The large primary suite features a spacious bedroom and private bath with a newly remodeled large shower, and the convenient laundry room with half bath is located just off the kitchen. The main level also includes a second bedroom and full bath; a staircase leads upstairs to a third bedroom and additional full bath. Downstairs, the full basement offers a large, finished room plus abundant unfinished space ready for storage, hobbies, or future expansion. Completing the property is an attached 2+-car garage with an impressive shop area ideal for projects, tools, or extra workspace. This home combines comfort, space, and scenic surroundings in a fantastic neighborhood setting.

513 S Travis Street, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

$199,900

4 Beds ⋅ 2 Baths

One of the most distinctive brick Tudor homes in the area, this 4-bedroom, 2-bathroom property showcases timeless architecture and thoughtful craftsmanship. The main living area features a classic brick fireplace, a charming window seat, and beautiful hardwood floors that highlight the home’s character. The kitchen includes custom cabinetry that adds both style and functionality. A screened porch with elegant arched doorways extends the living space and provides a relaxing spot to enjoy the outdoors while staying sheltered. The property also includes a detached garage with a full workshop, offering excellent space for projects, hobbies, or additional storage. This home blends architectural appeal with practical amenities, creating a warm and inviting place to call home.

1015 S Saint Louis Street, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

$79,000

4 Beds ⋅ 1 Baths

Bring your vision and unlock the potential in this spacious 4-bedroom, 1-bath, two-story home. Featuring a functional floor plan with key living spaces on the main level. Interior highlights include charming wood accents and generously sized rooms throughout. This home sits on a great lot and includes a 2-car detached garage, providing added storage and convenience. Priced accordingly for the updates and improvements needed, this is an excellent opportunity to build equity and restore this home to its former glory. Located in the heart of Concordia, a welcoming small town known for its strong sense of community, historic charm, and local events. Residents enjoy a relaxed pace of life while still having access to nearby amenities and larger metro areas.

407 S Bismark Street, Concordia

Listing courtesy of Joe Blackshere of 1st Class Real Estate KC.

$169,900

3 Beds ⋅ 1 Baths

Step into this very nice, recently renovated 3-bedroom, 1-bath home—an ideal opportunity to stop renting and start building your own equity. Thoughtfully updated throughout, this home blends comfort, affordability, and long-term value. The exterior is truly maintenance-friendly, featuring durable vinyl siding and a new metal roof designed to stand the test of time. Inside, you’ll find fresh updates that make the home feel bright, clean, and move-in ready. With three comfortable bedrooms and a well-appointed bath, the layout offers flexibility for families, guests, or a home office. Whether you're a first-time buyer or simply ready to invest in yourself, this property delivers a smart alternative to renting—affordable, updated, and built for the future.

602 SW 7th Terrace, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

$179,000

Discover the endless possibilities waiting in this expansive two-story building located right in the heart of downtown. This impressive double structure offers a rare opportunity to bring your business dreams and apartment ideas to life all under one roof. With its generous footprint and completely blank-slate interior, you have the freedom to design retail, office, studio, or restaurant space on the main level while transforming the upper floor into modern apartments, lofts, or creative living quarters. Set in a welcoming small town with classic Main Street appeal, this property is ready for someone with vision to shape it into something truly special.

723 S Main Street, Concordia

Listing courtesy of PATTY SCHNAKENBERG of Homestead 3 Realty.

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