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

$275,000

3 Beds ⋅ 1 Baths

This charming three bed, one bath home offers such a beautiful view of sunrises, sunsets, and everything in between. Landscaping out front is already established and beautiful when all the flowers are in bloom! Other features include a metal roof, newer vinyl siding on the front, and a new water softener system. This home has been loved and well-maintained. You don't want to miss this one! Contact me today to schedule your showing.

9264 Wollard Boulevard, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.

$925,000

7 Beds ⋅ 5.5 Baths

COUNTRY LIVING AT ITS FINEST! 44 Beautiful Acres | 7 Bedrooms | 5.5 Baths | Endless Possibilities! If you’ve been dreaming of wide-open spaces, breathtaking sunrises, & a place to truly call home, this incredible 44-acre country estate has it all! This spacious home offers 7 bedrooms, 5.5 bathrooms, plus 2 additional non-conforming bedrooms in the basement, providing plenty of room for family, guests, & entertaining. The heart of the home is the large, inviting kitchen, featuring abundant cabinetry, generous counter space, a center island, & a beautiful handmade coffee bar. A built-in ice maker adds extra convenience! Just off the kitchen, the cozy hearth room with a wood-burning stove creates the perfect gathering place. Step outside onto the expansive composite deck, where you can sip your morning coffee while watching gorgeous sunrises over the countryside. It’s country living at its best! The walkout basement offers even more living & entertaining space, including a fantastic man cave, additional bedrooms, & plenty of storage. Other features include a dedicated office, zoned HVAC, main-floor laundry with additional basement hookups, & an attached garage complete with a sink & cabinets. The amenities don’t stop at the house! This property is ready for country living, hobbies, animals, & so much more! 44 acres of beautiful countryside, Large insulated & heated shop with concrete floor, Fully insulated dog kennel, Corrals & 3 paddocks for livestock, Additional storage shed, Beautiful gazebo, Spacious composite deck, gorgeous sunrise & sunset views, Plenty of room to spread out & enjoy the outdoors. Whether you’re looking for a peaceful country retreat, a place to raise a family, room for animals, or the perfect property to enjoy your hobbies, this one offers something for everyone! Come experience the beauty, comfort, and possibilities of this exceptional 44-acre property. Properties offering this much space, versatility, & country charm are truly special!

19361 Dockery Road, Richmond

Listing courtesy of J.C. Claypool of Claypool Realty, LLC.

$89,000

2 Beds ⋅ 1 Baths

Take a look at this cute fixer upper with a lot of upgrades already completed! So much potential here. NEWER ROOF, NEWER FURNACE, NEWER BREAKER BOX, NEWER PLUMBING. Home has METAL siding. Deck & nice yard. Hardwood floors.

407 S Second Street, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.

$250,000

3 Beds ⋅ 2 Baths

*Subject to lender approval.* Welcome to 701 S Whitmer Street in Richmond, Missouri! Situated on a spacious .67-acre lot, this 3-bedroom, 2-bath home offers approximately 2,800 square feet of total finished living space, including a finished basement, providing plenty of room to relax, entertain, and enjoy everyday living. The finished lower level adds valuable living space and flexibility, whether you need room for gatherings, hobbies, a home office, or simply a place to unwind. The attached 2-car garage provides everyday convenience, while the additional detached outbuilding offers extra space for storage, tools, or outdoor equipment. Outside, the generous lot offers plenty of possibilities for gardening, outdoor entertaining, recreation, or simply enjoying the extra room between you and your neighbors. Conveniently located in Richmond, this property offers a wonderful opportunity for buyers looking for space and versatility. Schedule your showing and come explore the possibilities!

701 S Whitmer Street, Richmond

Listing courtesy of Sherrie Rickel of KC Realtors LLC.

$265,000

3 Beds ⋅ 2 Baths

Welcome home to this charming 3 bedroom, 2 bath home in a desirable area, just 30 miles East of Kansas City! Situated on a beautiful corner lot with mature trees, this property offers a lovely layout and inviting spaces throughout. The remodeled kitchen and updated bathrooms add a fresh touch, while the spacious family room addition creates a warm and welcoming place to gather, complete with a gas fireplace that provides extra comfort and warmth. The basement offers additional flexible space that could serve as a second living room or potentially a fourth bedroom, as it already has a closet and conforming window. The laundry and an existing toilet and sink sit behind the finished basement space, that provide added possibilities for future improvements, including what could be a third bathroom. With its beautiful setting, welcoming atmosphere, and great value for the price, this home is one you won’t want to miss!

1003 N Garner Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.

$262,000

3 Beds ⋅ 2.5 Baths

The classic brick and vinyl siding exterior of this single-family ranch home stands on a 0.3-acre lot in an established Richmond neighborhood. Mature trees provide a serene setting for the structure, which features a shingle roof and an attached garage with concrete flooring, a driveway, and integrated automatic garage door openers. Several updates have already been completed, including newer windows and a sliding glass door installed in 2021. Inside the three-bedroom, two-bathroom layout, an inviting living room is anchored by a brick fireplace, wood floors, ceiling fans, and built-in features. The remodeled kitchen has quartz countertops, white cabinetry, a subway tile backsplash, laminate flooring, and built-in features, with integrated appliances including a dishwasher, cooktop, gas range, microwave, oven, and refrigerator. The bedrooms offer comfortable spaces, with carpeted flooring, ceiling fans, and tray ceilings. One bathroom is finished with tile flooring and a vanity, while another serves as a powder room with a pedestal sink. The finished basement area showcases a painted brick fireplace, a concrete floor, and versatile living space. An unfinished basement section with a concrete floor, laundry sink, and basement laundry features provides storage and customization options. For outdoor relaxation, a concrete patio offers a quiet space beneath mature shade trees in the backyard. 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). Please note that if the property was built prior to 1978, Lead Based Paint Potentially Exists. All measurements and information are deemed reliable, but the buyer and the buyer's agent are responsible for verifying.

1005 Lisa Lane, Richmond

Listing courtesy of Michael Diggs of Realty Executives.

$234,900

2 Beds ⋅ 2 Baths

Welcome to this beautifully designed new construction home offering 2 bedrooms and 2 full baths with a great combination of style and functionality! The kitchen features custom cabinetry, stainless steel appliances, solid surface countertops, and a convenient pantry. Vaulted ceilings enhance the main living area, creating an open and spacious feel, while stained concrete floors offer a modern touch with easy maintenance. The primary suite includes a private bath and walk-in closet. A dedicated mudroom/laundry room adds everyday convenience. Enjoy the comfort and low-maintenance appeal of brand-new construction! Professional photos coming soon!

552 S Whitmer Street, Richmond

Listing courtesy of Justin Wrisinger of Platinum Realty LLC.

$340,000

3 Beds ⋅ 2 Baths

Open House, this Saturday, November 7th, you can buy it just in time for a beautiful Thanksgiving Feast! Don't miss your opportunity to check out this amazing home!! This property is located close to town with many of the country life amenities. Wake up for coffee in the formal living or dining room, both facing the East so that you can enjoy the rising sun or step out on the covered porch for a gentle breeze and watch the squirrels welcome the day. The semicircle- drive provides extra convenience, with additional parking in the back, as well as a South facing two-car attached garage, and 2nd two-car garage/barn in the back. The yard is a generous combination of trees, both evergreen and deciduous, and you can look forward to Spring when the garden will pop with all sorts of beautiful surprises, from Tulips and Lilies to Roses and Herbs. The gardens have always been some of the prettiest around! This home also has a good-sized yard for even more gardens or other hobbies. The walk-out basement makes it so convenient to store things, or could even be finished and made into a huge family area or Den. Inside the home there is ample storage and closets throughout, as well as Laundry right off the Kitchen on the Main Floor. This home is perfect for entertaining, for meetings and has been so loved by this family. We know you will love it too!

11930 Highway 13 Highway, Richmond

Listing courtesy of Jolene Martens of EXP Realty LLC.

$225,900

3 Beds ⋅ 2 Baths

Original hardwood floors, doors, and trim throughout establish the historic character of this Richmond home, offering a warm and inviting atmosphere from the moment of arrival. The galley kitchen is designed for daily function and includes all appliances. This space provides a practical setup for preparing meals, with an adjacent dining room and a bonus family room providing designated areas for hosting guests. A sunroom offers a serene setting for quiet relaxation. The attic space, featuring original knotty pine and hardwood floors, presents versatile options for use as a non-conforming fourth bedroom, an office, or a playroom. The basement features a fireplace and knotty pine details, serving as a functional space suitable for a den or work area. Situated on level lot with one car garage, this property provides a blend of classic features and functional living spaces.

414 E Lexington Street, Richmond

Listing courtesy of Tanya Adams of Community Realty.

$234,900

3 Beds ⋅ 2 Baths

Move-in ready 3-bedroom, 2-bath home with great updates throughout! Features include updated electrical, thermal windows, main-floor laundry/mudroom, and a full basement offering plenty of additional space and storage. Outside, you’ll appreciate the oversized lot and 2-car attached garage. Conveniently located near the city park, this home offers a great combination of space, updates, and functionality

103 Clark Street, Richmond

Listing courtesy of Justin Wrisinger of Platinum Realty LLC.

$270,000

3 Beds ⋅ 2 Baths

Completely remodeled and move-in ready, this all ranch home offers a fresh, modern feel with thoughtful updates throughout. The floor plan has been opened up to create excellent flow between the living room and brand new kitchen, featuring updated cabinetry, stylish countertops, and plenty of space to gather. LVP flooring runs throughout the main level, complementing the clean, updated look. Both bathrooms have been beautifully remodeled with updated fixtures and custom tile. The basement provides a blank canvas for whatever you need—additional living space, recreation area, home office, or future bedrooms. The existing windows offer the potential for conforming bedrooms should you choose to finish the space. The new roof and HVAC system will have you living worry free for years to come. Conveniently located near 210 Highway, making the commute toward Kansas City easy and accessible. With major updates already completed, this home is ready for its next owner to simply move in and enjoy! Square footage and lot dimensions to be verified by buyer and buyer's agent.

615 S Camden Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.

$349,900

3 Beds ⋅ 2 Baths

This home is a must see! Well cared for 3 bedrooms 2 bath home owned by sellers since it was built. Attention to detail and quality craftsmanship shine throughout. Home offers new AC 2025, newer furnace in 2017, stainless kitchen appliances, and a fourth non-conforming bedroom in the basement. Step outside and enjoy the newly added deck perfect for relaxing and entertaining. An attractive retaining wall enhances the backyard while helping manage soil and provides stability to the property. All on a beautiful setting with mature trees and frequently seen deer in the backyard.

510 Sycamore Drive, Richmond

Listing courtesy of Penny Millsap of Community Realty.

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64085 Homes with FHA Financing

Newest 64085 Homes with FHA Financing

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