64085 Homes with FHA Financing

64085 Homes with FHA Financing

Welcome to Richmond, Missouri—where small-town charm meets modern conveniences in the heart of Ray County! Nestled within the 64085 zip code, Richmond is a delightful community that offers a perfect blend of history, friendly neighbors, and a vibrant lifestyle.

Richmond boasts a rich heritage, with historic buildings lining its picturesque streets and a welcoming atmosphere that makes newcomers feel right at home. The area is known for its excellent schools, beautiful parks, and a variety of local shops and dining options, ensuring that residents have everything they need within reach. Whether you’re enjoying a leisurely stroll through the charming downtown or engaging in community events, Richmond fosters a sense of belonging that is hard to find elsewhere.

For those considering homeownership in this appealing area, you’ll be pleased to know that many homes in Richmond are eligible for FHA financing. This means that you can take advantage of lower down payment options and more flexible credit requirements, making your dream of homeownership more attainable than ever. Richmond offers a diverse range of properties, from cozy single-family homes to spacious residences perfect for growing families.

Imagine settling into a lovely home where you can create lasting memories while enjoying the warmth of a close-knit community. With FHA financing available, your journey to homeownership in Richmond, MO, is just a step away. Explore the possibilities in the 64085 zip code and discover why so many people are proud to call Richmond home!

Newest 64085 Homes with FHA Financing

$725,000
4 Beds ⋅ 3 Baths
Embrace the peace and privacy of country living with this beautifully custom-built home situated on 17.42 picturesque acres just outside the Richmond city limits. Built in 2015, this spacious 4-bedroom, 3-bath home offers thoughtfully designed living space featuring an open floor plan filled with natural light, beautiful hardwood floors and cabinetry, newer carpet in the bedrooms, and select ADA-accessible features for added comfort and convenience. The primary bedroom features and large walk-in closet, private bathroom, and access to the sun room and back deck. The large composite back deck with a walk-down to the concrete patio creates the perfect setting to relax and enjoy the breathtaking views. Spend your evenings fishing in the stocked pond, enjoy fresh fruit from the young fruit trees as they mature, or take advantage of the RV hookups for when visitors come. The detached 284 sqft guest quarters provides a flexible space for guests, a home office, or creative hobbies, while the impressive 100' x 30' outbuilding with concrete floors, electricity, and an industrial ceiling fan is ready for equipment, projects, recreational vehicles, or a workshop. With room to roam, space to grow, and endless opportunities, this is more than just a home—it's a place to build memories and enjoy the lifestyle you've been dreaming of. Schedule your private tour today and experience all this remarkable property has to offer!

39803 K Highway, Richmond

Listing courtesy of Sterling Spicer of ReeceNichols North Star.
$302,500
3 Beds ⋅ 2.5 Baths
Beauiful location! Nicely updated ranch home located on a quiet street in an established neighborhood. Several updates have already been made, including all newer windows and sliding glass door installed in 2021, complete kitchen remodel with beautiful quartz counter tops, all newer plan Lots of cabinets space. Come check it out for yourself, you won't be disappointed. All offers must be submitted at www.vrmproperties.com. Agents must register as a User, enter the property address, and click on "Start Offer". This property may qualify for Seller Financing (Vendee). If property was built prior to 1978, Lead Based Paint Potentially Exists. All measurements and information is due reliable but the buyer and/or buyer’s agent are responsible for verifying.

1005 Lisa Lane, Richmond

Listing courtesy of Michael Diggs of Realty Executives.
$245,000
3 Beds ⋅ 2 Baths
FABULOUS HOME AND MOVE IN READY! So many updates on this...Completely updated Electrical Wiring, Plumbing, Sewer Lines, HVAC and 4 yr old Roof. New Siding, Insulation, Windows, Exterior/Interior Paint! A Wonderful Front Porch 25x7 to Relax and Hang out with Friends or Family. A NEW 1 Car Garage with a HUGH SIDE YARD for the kids to play, Garden or just make into a Flower Garden. So many options! Newly paved street and this amazing home sits on a Corner. DON'T MISS THIS ONE...WILL GO FAST

512 E Lexington Street, Richmond

Listing courtesy of Janice Mackay of ReeceNichols - Lees Summit.
$249,900
3 Beds ⋅ 2 Baths
Tucked away at the end of a quiet dead-end street, this move-in ready gem is the one you've been waiting for! Offering 3 bedrooms, 2 bathrooms, and a large fenced backyard with no immediate neighbors directly behind the property, this home offers a peaceful setting and plenty of outdoor space. Inside, you'll love the fresh paint throughout, creating a bright, clean, and welcoming feel from the moment you walk in. The spacious layout is both functional and inviting, and with a brand-new HVAC system installed just one year ago, you can enjoy added peace of mind. All kitchen appliances stay, making your move even easier. From the fresh updates to the large backyard, this charming Richmond home truly has it all. All that's left to do is move in!

605 S Westview Drive, Richmond

Listing courtesy of Meranda Lefebvre of ReeceNichols-KCN.
$249,999
3 Beds ⋅ 2.5 Baths
Super cute home on cul de sac. Easy access to highways. Beautiful yard and surroundings. Primary is on the main level but the upstairs could be a second master suite. New carpet on main level. 3 bedrooms with 2.5 baths and 2 car garage. 2 year old roof. Gorgeous corner lot on a cul-de-sac in the county. Beautiful mature trees, shed, awesome deck for sitting in the evenings. Window coverings.

510 Shawn Crest Lane, Richmond

Listing courtesy of Nita Pridgen of Platinum Realty LLC.
$230,000
3 Beds ⋅ 2 Baths
Well-maintained home tucked away at the end of a quiet cul-de-sac! Recent updates include beautifully refinished hardwood floors throughout the home, a new water heater installed within the past year, and fresh paint that gives the interior a bright, refreshed feel. The finished basement features a spacious bonus room that could easily serve as a primary bedroom, along with a completely renovated full bathroom. With generous living space on both the main level and downstairs, this home offers comfort, flexibility, and plenty of room to grow. Schedule your showing today!

1410 Ridgeway Drive, Richmond

Listing courtesy of Rylee Robinson of Community Realty.
$335,000
5 Beds ⋅ 2.5 Baths
SPACIOUS RAISED RANCH WITH POND VIEWS, FRUIT TREES, & MANY UPGRADES! WELCOME HOME TO THIS SPACIOUS UPDATED RAISED RANCH, FEATURING A CLASSIC BRICK FASCIA AND A NEWER, DURABLE METAL ROOF THAT OFFERS YEARS OF PEACE OF MIND. UNCOMMONLY FEATURING 5 BEDROOMS, WITH 2.5 BATHROOMS, THIS EXPANSIVE LAYOUT OFFERS INCREDIBLE FLEXIBILITY WITH THREE SEPARATE LIVING ROOMS—PERFECT FOR A HOME OFFICE, GAME ROOM, OR LARGE-FAMILY LIVING. THE EXPERTLY FINISHED BASEMENT PROVIDES TONS OF EXTRA LIVING SPACE. AS WELL, THE HOME'S STUNNING, ORIGINAL HANDMADE CABINETS THAT ADD A TOUCH OF TIMELESS CRAFTSMANSHIP. THE HEAVY LIFTING HAS ALREADY BEEN DONE FOR YOU WITH MAJOR MECHANICAL UPGRADES COMPLETED IN 2026. ENJOY ENDLESS SHOWERS WITH A BRAND-NEW TANKLESS HOT WATER HEATER ('26), AN UPDATED ELECTRICAL SYSTEM, AND A NEW SUMP PUMP ('26). THE HVAC SYSTEM IS IN PRISTINE CONDITION, FRESHLY SERVICED IN 2026 WITH A BRAND-NEW BLOWER MOTOR, SOLENOID, AND ACTUATOR TO ENSURE YEAR-ROUND EFFICIENCY. NEWER WINDOWS THROUGHOUT KEEP THE ENTIRE HOME BRIGHT AND ENERGY-EFFICIENT. STEP OUTSIDE TO YOUR OWN PRIVATE RETREAT. THE EXTERIOR FEATURES EXTENSIVE OUTDOOR LIGHTING THAT SHOWCASES A GORGEOUS STONE PATIO—THE ULTIMATE SPOT TO UNWIND AND TAKE IN VIEWS OF THE LOCAL NEIGHBORING POND. THE YARD IS PARTIALLY FENCED, MAKING IT READY FOR YOUR PUPS, AND COMES ALIVE WITH A FRESHLY PLANTED APPLE TREE ALONGSIDE PLUM, PEAR, OAK, AND PINE TREES. COMPLETE WITH A TWO-CAR GARAGE AND TONS OF EXTRA PARKING FOR GUESTS, A CAMPER, OR A BOAT, THIS MOVE-IN-READY HOME TRULY HAS IT ALL. THANKS FOR LOOKING!

205 E Dauxville Drive, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.
$394,900
4 Beds ⋅ 3 Baths
Private 5-acre retreat with a massive 40x60 shop and beautifully updated home! This fully renovated property offers the perfect blend of modern updates, space, and privacy — all just a short drive from town. Inside, you’ll find an open and inviting layout featuring fresh updates throughout, including new HVAC, water heater, flooring, paint, fixtures, and more. The spacious finished basement adds incredible flexibility for additional living space, entertaining, hobbies, or storage. Step outside and enjoy peaceful country views, mature trees, and plenty of room to spread out. The huge 40x60 outbuilding with concrete floors and power is ideal for a workshop, business, equipment storage, or all your toys. A brand-new deck creates the perfect spot to relax and enjoy the private setting. Properties offering this much space, this many updates, and a shop of this size at this price point are hard to find. Move-in ready and packed with value — don’t miss your chance to own this one-of-a-kind acreage property!

39232 Fitch Road, Richmond

Listing courtesy of Jake Osborn of Osborn Real Estate.
$334,900
3 Beds ⋅ 2.5 Baths
Step into this custom built brick home in established and desirable neighborhood. Spacious open concept living area combines a well designed kitchen layout with living area and dining room. Utility/Laundry Room is steps away from the two car garage and kitchen. Three bedroom, two bath on main level. Finished basement features the perfect second kitchen, second fireplace, and third full bathroom, which provides the perfect accommodation for overnight guests, or a second self contained living quarters. Concrete driveway to garage on main level. Walk out basement from unfinished storage follows a concrete walkway to extra parking pad on west side of property. Back yard features concrete patio and detachted storage shed.

303 W Dauxville Drive, Richmond

Listing courtesy of Rob Swafford of Platinum Realty LLC.
$198,500
3 Beds ⋅ 2 Baths
WELCOME HOME TO THIS RANCH HOME TUCKED INTO THE HEART OF RICHMOND — JUST STEPS FROM THE DOWNTOWN SQUARE AND CONVENIENTLY CLOSE TO LOCAL SCHOOLS! THIS WELL MAINTAINED 3-BEDROOM, 2-BATHROOM HOME WITH A 2-CAR GARAGE IS MOVE-IN READY AND PACKED WITH THOUGHTFUL UPDATES THAT MAKE IT TRULY STAND OUT. COME DISCOVER FRESHLY UPDATED CABINETS AND CRISP NEW INTERIOR PAINT THAT GIVE THE HOME A BRIGHT, MODERN FEEL THROUGHOUT. THE UPDATES DON'T STOP THERE — A BRAND NEW ROOF (2022) PROVIDES PEACE OF MIND FOR YEARS TO COME, AND THE REFRESHED EXTERIOR DECKING ON THE FRONT PORCH CREATES THE PERFECT SPOT TO SIP YOUR MORNING COFFEE AND ENJOY THE NEIGHBORHOOD. OUT BACK, YOU'LL FIND A FULLY FENCED YARD FEATURING A STUNNING BRAND NEW CEDAR PRIVACY FENCE THAT IS REGULARLY TREATED AND MAINTAINED FOR LASTING BEAUTY AND DURABILITY. DOG LOVERS WILL ABSOLUTELY ADORE THE DEDICATED DOG-RUN AREA — BECAUSE EVERY FURRY FAMILY MEMBER DESERVES THEIR OWN SPACE TOO! STORAGE IS NEVER AN ISSUE HERE. A BEAUTIFUL CUSTOM SHED FROM PREMIER BARN BUILDERS — A TRUSTED LOCAL CRAFTSMAN RIGHT HERE IN RICHMOND — ADDS EXCEPTIONAL UTILITY TO THE PROPERTY. AND TUCKED BENEATH THE HOME IS ONE OF THE CLEANEST, MOST IMPRESSIVE CRAWL SPACES YOU'LL EVER SEE, CONVENIENTLY ACCESSIBLE DIRECTLY FROM THE MASTER BEDROOM CLOSET — IDEAL FOR KEEPING SEASONAL ITEMS AND VALUABLES ORGANIZED AND OUT OF THE WAY. THIS IS THE KIND OF HOME THAT HAS BEEN TRULY CARED FOR. DON'T MISS YOUR CHANCE TO MAKE IT YOURS — SCHEDULE YOUR SHOWING TODAY. THANKS FOR LOOKING! (THE ORANGE ACCENT WALL HAS BEEN PAINTED, AND THE MOUNTED LIVING ROOM TELEVISION STAYS WITH THE HOME).

504 S Wellington Street, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.
$259,000
Investor special! This fully leased, well maintained duplex offers private living on a quiet avenue. Each has 2 bedrooms, 1 bath, full eat-in kitchen and living room. Ceiling fans in all of the rooms. No impending maintenance and current rent is below market rate. The landlord has consistently maintained this duplex over time, replacing the HVAC, dishwashers, stove, fridges, garage door openers and water heaters, as needed. The laundry room is off the kitchen; very easy one level living. Private sewer to holding facility and is then pumped to the city sewer. Seller pays the sewer bill. Tenants are responsible for all other utilities.

11889 Units 1 & 2 Wood oak Avenue, Richmond

Listing courtesy of Tanna Guthrie of Platinum Realty LLC.
$395,000
3 Beds ⋅ 2.5 Baths
Escape to peaceful country living with the convenience of town just minutes away! On 3 beautiful acres, this home offers space, privacy, and endless possibilities for outdoor living, garden, or hobbies. Brick front, vinyl siding, newer AC, newer metal roof give you peace of mind and low maintenance. 3 spacious bedrooms, 2.5 baths, 2 large living rooms for ample living space with oversized 3 car garage! Kitchen has cabinets galore, eat in dining area with a view of the peaceful backyard, and the appliances stay! The unfinished basement gives you a blank canvas to bring your ideas and double your living square footage. Take in the beauty out back, with wide open space complete with mature trees for hours of enjoyment. Large 30x80 outbuilding is ideal for storage, equipment, recreation vehicles, and hobbies.

40822 E 116th Street, Richmond

Listing courtesy of Penny Millsap of Community Realty.
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