64085 Homes with USDA Loan Financing

64085 Homes with USDA Loan Financing

Welcome to Richmond, Missouri, a charming city nestled in Ray County and proudly carrying the zip code 64085. Richmond offers a delightful blend of small-town charm and modern convenience, making it an ideal place to call home. With its rich history, friendly community, and beautiful landscapes, residents enjoy a peaceful lifestyle while being just a short drive from larger urban centers.

One of the most appealing aspects of living in Richmond is the availability of homes that qualify for USDA loan financing. This program is designed to help low to moderate-income families achieve their dream of homeownership in rural areas. USDA loans offer numerous benefits, including zero down payment options and competitive interest rates, making it easier than ever to invest in a property in this picturesque community. Whether you are a first-time buyer or looking to relocate, Richmond has a variety of homes that fit the criteria for USDA financing.

In addition to its affordability, Richmond boasts a vibrant local culture, with community events, parks, and recreational activities that cater to families and individuals alike. Explore the local shops, dine at cozy restaurants, or take a stroll through the scenic neighborhoods that make this area so special.

If you're considering making a move to Richmond, MO 64085, you’ll find a welcoming community and a variety of homes ready to embrace you. Don’t miss out on the opportunity to secure your dream home with USDA financing in this delightful city!

Newest 64085 Homes with USDA Loan Financing

$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.
$999,000
5 Beds ⋅ 3 Baths
Experience the perfect blend of peaceful country living and thoughtful modern convenience in this extraordinary 37 acre property. Featuring a beautiful 5,250-sq ft home which offers 3,300 finished square feet with an additional 1,950-square-ft unfinished walkout basement ready for your custom vision. From the moment you arrive, you’ll be captivated by gorgeous views from every window, showcasing lush fields, mature woods, and abundant wildlife. The home’s charming open floor plan is ideal for comfortable living and entertaining. This spacious home features 5 bedrooms and 3 bathrooms, with a fourth bathroom already stubbed for the upstairs primary suite. Upstairs bedrooms offer CAT6 internet wiring, walk-in closets, and a dedicated HVAC system for personalized comfort. Built for efficiency and durability, the home includes a tankless propane water heater, UV HVAC sterilization system, 500-gallon propane tank that conveys with the property, and a durable ICF walkout basement with storm shelter. The extra-deep garage features radiant heat flooring and 240-volt, 50-amp outlets, perfect for workshop space or EV charging. Outdoors, this property is truly exceptional. A seasonal creek winds through the land, while mature woods are ideal for hunting on your own property. The lush fields offer excellent hay production potential, and a historic 100-year-old oak barn adds timeless charm and versatility. Homestead-ready amenities include large garden spaces, a chicken coop with large run, and a convenient 100-foot clothesline just outside the laundry room. The property is currently connected to rural water, but offers three water wells with switch capability, and a 2,000-gallon septic system which has been recently pumped and serviced. Enjoy exceptional privacy and rural serenity while being just 15 minutes from grocery stores, restaurants, and major amenities. This rare property offers space, self sufficiency, and unmatched natural beauty.

19180 B Highway, Richmond

Listing courtesy of Tammy McGee of MO-KAN Veteran 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.
$379,000
4 Beds ⋅ 2.5 Baths
Gorgeous antebellum home has been thoughtfully remodeled throughout from restoring the beautiful original woodwork & hardwood floors to replacing the tall light filtering widows. Breathtaking staircase leads to balcony sitting area with large windows looking at Richmonds grand court house. Home boasts large rooms. Formal dining room. Formal sitting room with wood burning fireplace. Claw foot tub as in large bathroom as well as walk in shower. Wrap around porch with carriage carport. Patio added in back to look over half an acre of deep back yard.

121 W Royle Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$230,000
This rolling 20 acres has a STOCKED POND to enjoy at your pleasure! The property faces West for lovely sunsets, but includes an East facing for those magical sunrises. This recent re-plat makes this property ideal for a homestead, farmland needs or your private getaway. The breathtaking views would only make a new home here more spectacular. With 3/4 of the property fenced, it would not take much to enclose the rest. Come on by and see your new home location today!

Lot 1 Bruns Rd Road, Richmond

Listing courtesy of Theresa Trego of EXP Realty LLC.
$159,900
3 Beds ⋅ 1 Baths
Cute bungalow with original hardwood floors and wood work. NEWER ROOF & NEW GUTTERS. Sits on corner lot with full basement, garage and carport. Laundry can be up or down. Some new plumbing installed. FRESH PAINT. Additional toilet in basement.

507 W Main Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$100,000
Prime Location in Richmond City Limits Commercially Zoned with road frontage on East Lexington Street.

901 E Lexington Street, Richmond

Listing courtesy of Nick Gadwood of NextHome Gadwood Group.
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