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

$249,900
3 Beds ⋅ 2 Baths
Situated on a spacious double lot in the heart of Richmond, this beautifully updated 3-bedroom, 2-bath ranch with a full basement combines modern finishes with a functional, versatile layout. Inside, you’ll find updated flooring and fixtures throughout, along with a spacious kitchen featuring quartz countertops, stainless steel appliances and custom cabinetry. Oversized bedrooms offer room to spread out, including a primary bedroom with its own ensuite bath, while main-level laundry adds everyday convenience. Downstairs, the expansive unfinished walkout basement offers tons of potential, with a second set of laundry hookups, interior access from the main level and its own exterior entrance. The lower level is well suited for storage, a workshop, future finished living space or a multigenerational setup, with plenty of room to customize it to fit your needs. Outside, the double lot provides an abundant amount of yard space to enjoy and offers additional possibilities for future development. With the updated interior, an oversized lot and a versatile lower level ready for your vision, this home offers possibilities that are hard to find!

503 Cunningham Street, Richmond

Listing courtesy of Drew Francis of Keller Williams KC North.
$384,900
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.
$209,000
4 Beds ⋅ 2 Baths
This home offers a combination of updates, space, privacy, and unique outdoor features that give it plenty to offer its next owner. With 4 bedrooms, 2 full bathrooms, two separate living spaces, a designated storage room, and a 1-car garage, there is room for a family to spread out and use the home in a variety of ways. The current owners have owned the home for approximately two years and have continued to enjoy the improvements made before they purchased it. The previous owner completed several significant updates, including a complete kitchen renovation with new cabinets, countertops, and appliances. Other improvements include a newer water heater (approximately 3 years old), a roof less than 5 years old, and an electrical panel replaced in 2024. Inside, the two separate living spaces provide flexibility for a family room, play area, home office, hobby space, or simply additional room to spread out. The designated storage room provides a convenient place for seasonal items, household supplies, and other belongings. Outside is where this property really stands apart. There are no neighbors directly behind the home, giving the backyard a greater sense of privacy. The large backyard extends beyond the creek, creating additional space and a unique natural setting. The deck provides a great place to enjoy your surroundings, whether you're having your morning coffee, grilling, entertaining friends, or simply watching nature in your own backyard. The 1-car garage adds convenience for parking, storage, or a workspace, while the generous yard gives you room to enjoy the outdoors without giving up the privacy of having no homes directly behind you. With four bedrooms, two full bathrooms, multiple living areas, an updated kitchen, newer major components, dedicated storage, a garage, and a private backyard overlooking the creek, this home offers plenty of flexibility, practical updates, and an outdoor setting that gives it a character all its own.

1406 Ridgeway Drive, Richmond

Listing courtesy of Aaron Turnage of NextHome Leeward & Company.
$795,000
4 Beds ⋅ 3.5 Baths
This magnificent property could be your next forever home. 3.5 ACRES of beautifully landscaped grounds designed for entertaining & making memories with family & friends! Gated in ground heated pool with AZEK sun deck & slide. "SHE SHED" & fire pit area are perfect for outdoor fall gatherings. 23 X 27 insulated Shop. All lined with concrete circle drive & nostalgic fountain in the center. NEW KITCHEN COUNTERS IN 2018. NEW AC IN 2018. NEW WINDOWS INSTALLED IN 2023. NEW WOOD FLOORING INSTALLED IN 2023. NEW FURNACE & WATER HEATER INSTALLED IN 2024. ROOF, SIDING & GUTTERS INSTALLED IN 2024 & 2025. As you enter the foyer, the high vaulted ceiling in the living room with rock accented fireplace welcomes you. Kitchen is open to living room & opens left to a large family room. 3 large bedrooms upstairs. Master suite has spacious onyx walk in shower & soaking tub. Full walkout basement offers 1 bedroom & 1 non conforming bedroom with large closet & connecting full bath. Tiled basement family room opens to patio & pool. Cabinets, fridge & wet bar for summer entertaining or the perfect movie night. Approximately 1000 sq. ft. of storage in basement as well as 7 x 9 concrete storm room. This home is a MUST SEE! Call for a tour today.

10030 Airfield Lane, Richmond

Listing courtesy of Chastidy Loftin of Community Realty.
$295,000
3 Beds ⋅ 2 Baths
Enjoy easy, comfortable living in this brand-new ranch home located on the northern edge of Richmond, offering the convenience of town with a little more breathing room. The all ranch layout features an open floor plan, LVP flooring throughout, a comfortable primary suite, and a two-car attached garage. Step outside and enjoy a backyard that backs to a peaceful tree line, providing a nice natural backdrop. Sidewalks throughout the area make morning walks easy, with a nearby park and walking trail just a short stroll away. Convenient Highway 13 access makes getting around town simple. With its new construction, practical layout, convenient location, and one-year builder warranty, this home offers an easy opportunity to make your move into a brand-new home. Estimated completion date November of 2026. Owner is a licensed real estate agent in the state of Missouri. Listing agent is a direct family member of seller.

1412 N Thornton Street, Richmond

Listing courtesy of Atalie Blackwell of Platinum Realty LLC.
$719,999
4 Beds ⋅ 3.5 Baths
BACK ON THE MARKET and truly one of Richmond’s most unique properties! If you’ve been dreaming of country living without giving up the conveniences of town, this is the one you don’t want to miss. Situated on nearly 10 secluded acres while STILL WITHIN CITY LIMITS, this property offers the privacy, space and outdoor lifestyle that are becoming harder and harder to find. But the showstopper is the incredible private pond—approximately 32 feet deep and stocked with OVER 1,000 FISH! Whether you love fishing, spending weekends outdoors, camping with family and friends, watching wildlife or simply enjoying the peace and quiet of your own land, this property gives you the opportunity to enjoy it all right outside your door. Imagine mornings overlooking the water, afternoons fishing with the kids, evenings around a campfire and plenty of room to explore—all while still being close to the everyday necessities and conveniences Richmond has to offer. This isn't just a home—it's your own private retreat. Nearly 10 acres, abundant wildlife, an incredible stocked pond and the best of both worlds: COUNTRY LIVING WITH CITY CONVENIENCE. Properties like this don't come along often. Come see what makes this Richmond property so special!

705 Broadway Avenue, Richmond

Listing courtesy of Rachael Cruz of Kansas City Regional Homes Inc.
$140,000
3 Beds ⋅ 1 Baths
Turnkey rental opportunity with an established long-term tenant already in place. The property currently produces $13,800 in gross annual rents, making it an attractive option for an investor looking for an occupied property with existing rental history. For buyers looking to expand their holdings in the area, this property is being sold with 300 W. Hortense St., Orrick, MO (MLS #2640588). Tenant occupied. Please do not disturb the tenant. A minimum of 24 hours' notice is required to obtain tenant approval for all showings. Lease and additional rental information are available upon request.

201 N Institute Street, Richmond

Listing courtesy of Mark Colombatto of Weichert Realtors - Generations.
$279,000
*RARE OPPORTUNITY* Beautifully remodeled duplex in the heart of Richmond! This move-in-ready multifamily property features two spacious units with modern updates throughout. The first-floor unit offers 2 bedrooms and 1.5 bathrooms, while the second-floor unit features 3 bedrooms and 1 full bathroom. Both units have been extensively updated with stainless steel appliances, new countertops, remodeled bathrooms, new flooring, new windows, and new HVAC systems. Fresh finishes and thoughtful improvements throughout provide comfortable, low-maintenance living for future occupants. Conveniently located near Richmond shopping, dining, schools, and local amenities. A great opportunity for an owner-occupant or investor looking for a turn-key updated duplex with two separate living spaces. *Owner/ Agent*

106 E Buchanan Street, Richmond

Listing courtesy of Kenrick Thompson of United Real Estate Kansas City.
$327,500
3 Beds ⋅ 2 Baths
Originally built in 1966, this home has been completely renovated by local contractors. Take a look: Exterior renovations include new decks in the front & back, brand new siding, roof, seamless gutters, sewer line, and a re-tucked chimney. Interior renovations include custom cabinets & granite countertops, stainless steel appliances, all new wiring, plumbing, flooring, shower units & tub, new HVAC system, and lighting. Basement renovations include straightened, tiled, & braced walls, sheetrock, paint, lvp flooring, & back-flow sump pump. Tucked back on a dead-end street in the heart of Richmond, Missouri, this home now features open concept living, dining, and kitchen area, all centered around a beautiful, wood-burning fireplace right as you step through the front door. All three bedrooms, two bathrooms, and the laundry room are also on the main level. Take a short walk downstairs and you will find a partially finished basement that is the perfect space for a playroom, home office, gym, or whatever you need! The unfinished section of the basement is ideal for all of your storage needs. This one will go fast! Come see it today!

501 Morningside Drive, Richmond

Listing courtesy of Kimberly Ghisalberti of Community Realty.
$655,000
2 Beds ⋅ 2.5 Baths
This picturesque 20 acres with a well-maintained brick home is already set up for cattle and horses! The stocked pond is ready for fishing with a couple of shade trees for comfort. With 5 outbuildings and a silo, you'll be set up in advance to have your farm running at max efficiency. The home has 2 bedrooms upstairs with the basement set up as a separate apartment, including kitchen. It's a perfect set-up for a farm hand or extended stay relatives. The 40x60 shop offers a concrete floor and electricity for accommodations.

10625 Franklin Road, Richmond

Listing courtesy of Theresa Trego of EXP Realty LLC.
$165,000
3 Beds ⋅ 1 Baths
Welcome home to this charming 3-bedroom, 1-bath ranch in the heart of Richmond! Offering 944 sq. ft. of comfortable living space, this home features an eat-in kitchen, low-maintenance vinyl siding, and large driveway for plenty of parking. Situated on a spacious .53-acre lot, there's plenty of room to enjoy the outdoors, garden, entertain, or expand. The functional single-level floor plan is perfect for almost any buyer whether you are looking to downsize, just start out, have main level living, or as an investment property! Conveniently located near schools, parks, shopping, and local amenities, this property combines small-town charm with everyday convenience. Don't miss your chance to make this affordable home your own!

701 Hickory Street, Richmond

Listing courtesy of Lauren Miller of Real Broker, LLC-MO.
$182,500
3 Beds ⋅ 2 Baths
Take a look at your next home with instant equity. Lots of great potential and in a semi private location close to town, commuter routes, schools and shopping areas. newer HVAC. Fenced yard with shed and large deck. Partially finished basement with bathroom right off the family room.

1403 Ridgeway Drive, Richmond

Listing courtesy of Bob Halberstadt of ReeceNichols North Star.
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