64024 Homes with USDA Loan Financing

Welcome to Excelsior Springs, Missouri, a charming city nestled in the heart of Clay County, with the zip code 64024. Known for its rich history and vibrant community, Excelsior Springs offers a unique blend of small-town charm and modern amenities. This picturesque city is renowned for its natural mineral springs, which have attracted visitors for centuries, making it a perfect place for families and individuals seeking a tranquil lifestyle.

Excelsior Springs boasts a variety of homes that cater to diverse preferences and budgets. One of the standout features of this area is the availability of USDA loan financing for eligible buyers. This means that many homes in the 64024 zip code can be purchased with little to no down payment, making homeownership more accessible for first-time buyers and those looking to settle in a welcoming community. With its affordable housing options and stunning landscapes, Excelsior Springs is an ideal location for those seeking a fresh start or a new chapter in life.

The city is also home to an array of recreational activities, including beautiful parks, nature trails, and local events that foster a strong sense of community. Whether you enjoy hiking, fishing, or simply relaxing in a serene environment, Excelsior Springs has something for everyone.

If you’re considering a move to this delightful city, explore the homes available in the 64024 area. With USDA loan financing options, your dream of owning a home in Excelsior Springs is closer than you think! Come discover the warmth and charm of this hidden gem in Missouri.

Newest 64024 Homes with USDA Loan Financing

$199,900

2 Beds ⋅ 1 Baths

Tucked away on a large, fully fenced lot, this cozy cottage is full of charm and personality! Located on the west side of town in a quiet setting, this home offers a wonderful sense of privacy while still being conveniently located. The inviting living room features a fireplace, and the updated kitchen shows really well. The main level also offers full bath, one bedroom along with a convenient laundry/mudroom. Upstairs, you’ll find a spacious loft area plus an additional bedroom, creating incredible flexibility for a private primary suite, kids’ bedroom and playroom, home office, or guest space. Outside, enjoy the newer deck, fire pit, and plenty of room to relax, entertain, garden, or let the pets play. With its tucked-away setting, generous lot, and versatile living spaces, this home has a warm, comfortable feel from the moment you arrive.

20 Schwartz Avenue, Excelsior Springs

Listing courtesy of SimmonsSales Team of RE/MAX Area Real Estate.

$535,000

4 Beds ⋅ 3 Baths

Nestled on 3.24 acres between Excelsior Springs, Kearney, and Liberty, this spacious home offers peaceful country living with convenient access to town. The bright and airy open floor plan features an abundance of windows that fill the home with natural light and frame beautiful scenic views. The elevated loft kitchen overlooks the spacious great room, creating an open, inviting flow for everyday living and entertaining. A private primary suite occupies its own dedicated level, complete with an oversized primary bath and generous walk-in closet. Main-floor laundry adds everyday convenience, while the sub-basement provides excellent additional storage. The fully finished walkout lower level is ideal for a second living space, guest area, or potential in-law suite, featuring a comfortable family room, fourth bedroom, and full bathroom with direct access to a covered patio. Outside, the property is fully set up for outdoor living, hobbies, or homesteading. A 16x24 pole barn is wired with electricity and offers flexible space for a workshop, equipment, storage, or livestock, with access to a grazing field. Closer to the home, a 5x15 dual-purpose, four-door storage shed and chicken coop comes equipped with a solar-powered automatic coop door, roosting bars, and nesting boxes. The spacious fenced backyard features mature shade trees with beautiful fall color, while established apple, mulberry, and persimmon trees offer seasonal fruit and add to the property’s homestead charm. An outdoor firepit creates the perfect spot for gathering under the stars on cool evenings. Enjoy the space, privacy, and peaceful setting of country living without sacrificing the conveniences of town! With grocery stores & everyday shopping just five minutes away, Liberty 15 minutes away, and downtown Kansas City only 30 minutes from home, convenience is always within easy reach. Properties offering this combination of acreage, versatility, peaceful country living & proximity to town

14113 Cameron Road, Excelsior Springs

Listing courtesy of Eddie Davis of Orenda Real Estate Services.

$269,950

3 Beds ⋅ 2 Baths

If garage space and a big yard are high on your wish list, this one delivers! This 3 bedroom, 2 bath home offers approximately 1,456 finished square feet, including a finished lower level with flexible living space. Inside, you’ll find a bright kitchen with wood cabinetry and stainless steel appliances, a spacious living room with a bay window, and plenty of storage throughout. Outside, the .45 acre lot features mature trees, a large multi level deck with built in seating, an attached two car garage, and a separate two car detached garage, perfect for vehicles, hobbies, tools, or a workshop. Located in the Excelsior Springs School District with no HOA. Seller will make no repairs. Selling AS IS. Please include the In its preseent condition with your offer. Square footage, room count/sizes, property tax, school, and HOA information are approximate. Buyer/Buyer’s Agent to verify.

1207 Saint Paul Avenue, Excelsior Springs

Listing courtesy of Rustin Dowd of KW Diamond Partners.

$239,500

4 Beds ⋅ 2 Baths

Tucked into the peaceful lake community of Crystal Lakes, this thoughtfully updated four-bedroom, two-bath home offers the charm of lakeside living with the comfort of extensive modern improvements. From the front of the property, enjoy picturesque views of the lake while being conveniently located near the entrance to the community for easy access year-round. Nearly every major living space has been refreshed, including a beautifully remodeled kitchen featuring all-new cabinetry and a complete suite of new appliances. Both bathrooms have been completely renovated with updated finishes, creating a move-in-ready home that combines style with everyday functionality. The finished lower level provides a versatile fourth bedroom, ideal for guests, a home office, or additional living space. Additionally, the roof is only five years old, adding peace of mind for years to come. Outdoor living has been enhanced with an expanded deck overlooking the fenced backyard, offering plenty of room for entertaining, relaxing, or enjoying the peaceful surroundings. A newly constructed storage shed provides additional space for lawn equipment, lake toys, or hobbies. Crystal Lakes is known for its quiet setting and recreational opportunities, making this home equally suited as a full-time residence or a weekend retreat. Please note that the roads serving the property are gravel, and a four-wheel-drive vehicle is recommended during periods of snow or icy winter weather. If you've been looking for an updated home with lake views, modern finishes, and the relaxed lifestyle that Crystal Lakes has to offer, this property deserves a place at the top of your list.

31793 Darin Lane, Excelsior Springs

Listing courtesy of Matt Edwards of 1st Class Real Estate KC.

$127,500

2 Beds ⋅ 1 Baths

Tucked away on a quiet dead-end street, this charming ranch bungalow is proof that good things really can come in a cozy package! With 2 bedrooms, 1 full bath, and laundry conveniently located right off the kitchen, this home offers simple, comfortable living without the hefty price tag. The newer roof and HVAC give you a great head start, while the two lots provide plenty of room to enjoy the outdoors. The fenced backyard is a nature lover’s little escape, perfect for relaxing, gardening, pets, or simply enjoying some peace and quiet. Located close to shopping and schools, you’ll have everyday conveniences nearby while still enjoying a private setting with virtually no through traffic. Bring your ideas, add your personal touch, and make this sweet spot your own. Why rent when you could own? This one is ready for its next chapter!

103 Ash Street, Excelsior Springs

Listing courtesy of Ahna Vaoifi of Redfin Corporation.

$205,000

3 Beds ⋅ 2 Baths

Welcome Home! Move-In Ready & Full of Possibilities! Looking for a home where your family can settle in and make lasting memories? This move-in-ready 3-bedroom, 2-bath home checks all the boxes! The flexible lower level adds even more living space, with a room that could easily serve as a 4th bedroom, guest suite, home office, playroom, or mother-in-law quarters, complete with a full bath. Step outside and enjoy the nice-sized, level backyard backing to trees—a wonderful space for kids to play, family gatherings, summer barbecues, gardening, or simply relaxing while enjoying the peaceful setting. And here’s a bonus you’ll love: solar panels help keep utility bills very low, giving you more room in the budget for the things that matter most. With its flexible layout, peaceful backyard, energy-saving features, and move-in-ready condition, this home offers comfort and value. Whether you're a first-time buyer or looking for a home with extra space and flexibility, this one is ready to welcome you home!

127 Collette Street, Excelsior Springs

Listing courtesy of Kim Offenbacker of Realty Executives.

$290,000

3 Beds ⋅ 2 Baths

Back on the Market due to unforeseen medical circumstances affecting the buyers. Completely refreshed and move-in ready, this beautifully updated Ranch home sits on 3.3 private acres, offering the perfect blend of modern comfort and peaceful country living. One level living featuring 3 Bedrooms and 2 Bathrooms. Nearly every surface has been renewed with fresh interior and exterior paint, a stunning all-new kitchen, new LVP flooring throughout with the exception of 2 carpeted Bedrooms. Major improvements include a new roof and gutters, newer HVAC, and newer windows, providing peace of mind for years to come. The slab foundation offers easy, low-maintenance living, all on one level. Surrounded by mature trees and featuring a pond, this property is full of natural beauty and endless potential. While the acreage is ready for a new owner to restore it to its former glory, the privacy, peaceful setting, and established landscape create the perfect backdrop for gardening, recreation, hobby farming, or simply enjoying the outdoors. If you've been searching for an updated home with acreage, privacy, and room to create your own country retreat, this is an opportunity you won't want to miss.

11325 Deer Haven Lane, Excelsior Springs

Listing courtesy of Tonja Hulet of BHG Kansas City Homes.

$60,000

Beautiful 4-acre residential lot with road frontage, offering plenty of space to build your dream home or enjoy a peaceful country setting. Buyer to verify all information, including zoning, utility availability, and building requirements.

Klatt Road, Excelsior Springs

Listing courtesy of Emorye Moore of Juncture.

$265,000

3 Beds ⋅ 2 Baths

Welcome to this beautifully updated home in an established west Excelsior Springs neighborhood, located less than one mile from Excelsior Springs Hospital. Blending comfort, convenience, and thoughtful updates, this move in ready home offers outstanding curb appeal and a long list of improvements. Recent updates include new flooring, fresh interior paint, granite countertops, a new water heater, updated lighting fixtures, and a beautiful and newly built oversized back deck. Replacement windows were installed by a previous owner add even more value and efficiency. The spacious deck overlooks a tree lined backyard and features stairs leading to the yard below, creating the perfect space for entertaining, relaxing, or enjoying your morning coffee. The covered patio beneath the deck provides a comfortable outdoor retreat, rain or shine. Two rear facing garages offer added privacy, while the oversized driveway provides ample parking for multiple vehicles. Inside, you’ll find three generously sized bedrooms on the main level, including a primary suite with a private bath and walk in shower. A second full hall bath serves the additional bedrooms and guests. The inviting living room features a cozy wood burning fireplace, while the finished walkout basement expands your living space with a second fireplace, a large family or recreation room, and a utility room. Whether you need space to entertain, work from home, or simply relax, this flexible lower level has you covered. The backyard is fenced along the sides and rear, offering plenty of room for pets, play, or outdoor activities. Mature trees provide shade, privacy, and a peaceful setting you’ll appreciate year round. With quality updates throughout, functional living spaces, and an excellent location, this home offers the perfect combination of style, comfort, and convenience. If you’ve been searching for a move in ready home where the hard work has already been done, this one deserves a spot at the top of your list!

1229 Michele Drive, Excelsior Springs

Listing courtesy of Kenny Manley of ReeceNichols-KCN.

$199,500

3 Beds ⋅ 1 Baths

Major updates make this beautifully renovated three-bedroom, one-bath true ranch a must-see! Enjoy peace of mind with a brand-new roof and gutters, all-new windows, a new exterior air-conditioning unit, and a new water heater. Tucked away on a quiet street in charming Excelsior Springs, this move-in-ready home has been thoughtfully updated throughout. Inside, you?ll find fresh paint, new trim, and all-new interior and exterior doors. The completely remodeled kitchen features new cabinets, countertops, backsplash, sink, and garbage disposal, while the updated bathroom offers modern finishes and style. The spacious living room and kitchen provide an inviting layout for both everyday living and entertaining. New flooring and carpeting flow throughout the home, and brand-new front and rear decks create the perfect spaces to relax and enjoy the outdoors. Don?t miss the opportunity to own this tastefully updated ranch home in a peaceful setting with so many costly improvements already completed.

103 Berton Road, Excelsior Springs

Listing courtesy of Linda Terrell Mazan of BHG Kansas City Homes.

$375,000

3 Beds ⋅ 2.5 Baths

Motivated seller! Looking for a little extra space without giving up convenience? This 3-bedroom, 2.5-bath split-level sits on 2 peaceful acres just outside Excelsior Springs, offering country living with easy access to town. Inside, you’ll find two spacious living areas, each with a wood-burning fireplace, plus an updated downstairs rec room, fresh interior paint and new ceiling fans. The kitchen appliances stay, and the back deck is the perfect place to enjoy your morning coffee or unwind under the stars. In addition to the 2-car attached garage, the property features a 960-square-foot shop with a concrete floor and 40-amp electrical service, offering plenty of room for projects, storage or hobbies. A new septic system was installed in 2024, making this home ready for its next owner! Several major updates have already been completed, including a new septic system in 2024, plus a new water heater and water softener in 2025, giving buyers added peace of mind. Outside, the attached 2-car garage is complemented by a 960-square-foot shop with a concrete floor and 40-amp electrical service, perfect for hobbies, projects, equipment, or extra storage. Bonus attached chicken coop in shop. If you've been searching for room to enjoy the outdoors with practical updates already in place, this property is one you won't want to miss.

207 Evergreen Street, Excelsior Springs

Listing courtesy of Jennifer Engbroten of RE/MAX Heritage.

$349,900

3 Beds ⋅ 2.5 Baths

Welcome home to this spacious reverse story-and-a-half offering an ideal blend of comfort, functionality, and value! Featuring 3 generously sized bedrooms, 2.5 bathrooms, and a 2-car garage, this home provides plenty of room to spread out. The main level includes a convenient laundry room, while the open floor plan offers large rooms throughout for comfortable everyday living. Step outside to enjoy the deck overlooking the fenced backyard, complete with a storage shed for additional space. If you're looking for a home with a practical layout, spacious living areas, and a great outdoor setting, this one is a must-see!

2224 W Ivory Circle, Excelsior Springs

Listing courtesy of Chris Dalton of Dalton 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