64089 Homes with Conventional Financing

64089 Homes with Conventional Financing

Welcome to the charming community of Smithville, Missouri, nestled in the heart of Clay County and served by the inviting zip code 64089. This picturesque city is known for its friendly atmosphere, scenic landscapes, and a strong sense of community. With its close proximity to Smithville Lake, residents enjoy a plethora of outdoor activities, including fishing, boating, and hiking, making it an ideal location for nature lovers and families alike.

Smithville boasts a variety of homes that cater to diverse lifestyles and budgets. Whether you're searching for a cozy starter home or a spacious family residence, you'll find that many properties in this area qualify for conventional financing, making homeownership more accessible. Conventional financing options are beneficial for buyers looking to invest in their dream home without the complexities of alternative financing methods.

The local real estate market in Smithville is thriving, characterized by well-maintained neighborhoods and a strong sense of pride among residents. With top-rated schools, local parks, and a vibrant downtown area filled with shops and restaurants, Smithville offers a perfect blend of small-town charm and modern conveniences.

As you explore the possibilities in the 64089 zip code, you'll discover a community that values quality living and a welcoming environment. Whether you're a first-time homebuyer or looking to relocate, Smithville is a place where you can truly feel at home. Come and experience the warmth of this delightful city, where your dream home awaits!

Newest 64089 Homes with Conventional Financing

$300,000
4 Beds ⋅ 2 Baths
Welcome home to this well-maintained 4-bedroom, 2-bath ranch in the Diamond Crest neighborhood of Smithville! Featuring 3 spacious bedrooms on the main level and 1 downstairs, this home offers a functional layout with an open kitchen that's perfect for everyday living and entertaining. The finished lower level boasts a large rec room with a built-in bar, plus a non-conforming bonus room ideal for an office, gym, or hobby space. The unfinished area is stubbed for a future full bathroom, offering room to add value. Step outside to enjoy the large deck with built-in seating, a fenced backyard, and a storage shed for all your outdoor equipment. Conveniently located just 1.5 miles from Smithville Lake, you'll have easy access to boating, fishing, hiking, and more!

806 Garnet Circle, Smithville

Listing courtesy of Jamie Watkins of RE/MAX Heritage.
$374,900
4 Beds ⋅ 3 Baths
Welcome home to this beautifully refreshed 4-bedroom property in Smithville! Featuring fresh updates throughout, including new carpet, interior paint, and new flooring, this home is move-in ready and waiting for its next owner. The spacious layout offers plenty of room to grow with four bedrooms and flexible living spaces to fit your needs. Enjoy the outdoors in the fenced-in backyard, perfect for pets, entertaining, or relaxing evenings. Located just minutes from Smithville Lake, you'll have easy access to boating, fishing, trails, and all the recreation the area has to offer. With its convenient location, thoughtful updates, and room to make it your own, this home is a great opportunity in the Smithville community!

301 NE 192nd Terrace, Smithville

Listing courtesy of SBD Team of SBD Housing Solutions LLC.
$750,000
Prime 1.6± acre commercial lot offering 254 feet of road frontage, exceptional visibility and easy access just off a major highway in the rapidly growing community of Smithville, MO. With a highly desirable location in the Northland and convenient access to Kansas City and surrounding areas, this property presents an outstanding opportunity for a wide variety of commercial developments. Whether you're planning retail, office, service-based business, restaurant, or investment property, this level site provides the flexibility to bring your vision to life. Benefit from strong traffic counts, excellent accessibility, and the continued growth of Smithville, making this an ideal location to establish or expand your business. Endless commercial potential in a thriving area with new residential growth and increasing demand for local services.

000 N 169 Highway, Smithville

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
$699,900
Amazing and solid building that includes the additional vacant lot. The top floors offers a large office space conference room and storage. Main floor is perfect for a shop (currently an HVAC business). There is a large bathroom and laundry area on the main floor. Lower level has plenty of storage and a garage door for access. The possibilities are endless!

205-207 W Brasfield Street, Smithville

Listing courtesy of Mary Giangalanti Team of Platinum Realty LLC.
$249,900
Build your dream home on this beautiful property nestled between Platte City and Smithville! Tucked away among mature trees, this peaceful setting offers the privacy of a country retreat while remaining conveniently near amenities. The driveway is already in place plus electric and water scheduled to go in- giving you a head start on your future build. The structure on the property offers an opportunity for the next owner to complete or expand the dwelling, subject to all applicable permits and county requirements. The lower portion of the land sits in a flood plain but the majority of the land you can see does not sit in it and allows for flexibility on your future plans. Whether you're looking to create a secluded forever home or a weekend getaway, this property offers the perfect canvas.

821 W 92 Highway, Smithville

Listing courtesy of Nichols Home Collective Team of ReeceNichols-KCN.
$328,000
3 Beds ⋅ 2.5 Baths
Check out this beautiful 3-bedroom, 2.5-bath home offering comfort, style, and a prime location! Come inside to find brand new carpet, fresh paint, and stunning refinished hardwood floors that add warmth and elegance throughout. Enjoy peace of mind with a seller-paid home warranty, making this home truly move-in ready. The spacious layout is perfect for both everyday living and entertaining. Outside, you’ll love the large, privacy-fenced backyard—ideal for gatherings, pets, or relaxing evenings on the back deck. This neighbourhood has a community pool, playground, and dog park. Located just minutes from Paradise Pointe Golf Course, disc golf course, trails, and offering easy access to the boat ramp at Smithville Lake, this home is perfect for those who enjoy outdoor living and recreation. Don’t miss your chance to own a well-maintained home in a desirable area—schedule your showing today!

208 Hampton Drive, Smithville

Listing courtesy of Aubri Blaize Blaize of Keller Williams KC North.
$240,000
2 Beds ⋅ 1 Baths
Welcome to Stonebridge Townhomes, a maintenance-provided community offering comfort, convenience, and scenic surroundings. Interior photos are coming soon! This end-unit townhome features 2 bedrooms, 1 full bathroom, and a spacious, extra-deep 2-car garage. With no adjoining townhome to the south, you'll enjoy added privacy. The inviting living room includes a cozy fireplace, creating the perfect space to relax. Just off the garage, the finished lower level offers a large storage/laundry/mudroom that is already stubbed for a future second bathroom, providing excellent potential for expansion. You'll also find a non-conforming room that would make an ideal home office, den, hobby room, or recreation space. One of the home's standout features is the recently replaced deck, where you can enjoy the abundant green space. Also for your enjoyment the nearby lake that enhances the beauty of this neighborhood and spacious parking for your vistors! For added convenience, the washer, dryer, and refrigerator all remain with the home.

112 Stonebridge Lane, Smithville

Listing courtesy of Terry Terese Durand of ReeceNichols-KCN.
$345,000
3 Beds ⋅ 2.5 Baths
LAKE LIFE MEETS CITY CONVENIENCE! If you are looking for a completely move-in-ready retreat just minutes from the water but with an easy commute to Kansas City, this is the one! Welcome home to 18616 Primrose, a beautifully maintained ranch-style home that effortlessly combines modern upgrades with unbeatable accessibility. Come inside to find a bright, open main level featuring gorgeous new LVT flooring and ample natural light pouring through high-efficiency thermal windows. The customized chef’s kitchen comes complete with gleaming granite countertops, a true walk-in pantry, and enough storage for any home cook. With 3 large bedrooms and 2.5 baths, there is plenty of room for everyone. The living space expands significantly into the finished walk-out basement, boasting a massive recreation room perfect for entertaining, plus a large dedicated storage room. Designed for easy, independent living, this home features excellent accessibility options already in place, including minimal steps at each entrance, garage support handles, and a premium stairlift. Outside, your private oasis awaits. Spend your mornings enjoying the manicured, custom landscaping on your covered front porch, or host weekend BBQs on the back deck. The property features a brand-new retaining wall and newly planted trees, including peach, river birch, and dogwood. Best of all is the location: you are just 5 minutes to the water and recreation at Smithville Lake, within the award-winning Smithville School District, and only 30 minutes to the brand-new MCI airport.

18616 Primrose Street, Smithville

Listing courtesy of Sierra Dominiak of Platinum Realty LLC.
$325,000
4 Beds ⋅ 2.5 Baths
Welcome home to this beautifully maintained front to back split home in the desirable Kindred Heights subdivision! Offering the perfect blend of space, comfort, and functionality, this home has been thoughtfully updated to provide even more finished living area. The owners have added approximately 325 square feet of space in the lower level, creating a spacious fourth bedroom and an additional half bath, making it ideal for guests, a home office, a recreation room, or multigenerational living. The split floor plan offers a bright and inviting main living area with comfortable gathering spaces and a functional layout designed for everyday living. The finished lower level adds valuable flexibility to meet a variety of lifestyle needs. Located just minutes from charming Downtown Smithville, you'll enjoy easy access to local restaurants, boutiques, coffee shops, parks, and community events. Outdoor recreation is just around the corner at Smithville Lake, where you can take advantage of boating, fishing, swimming, hiking, biking trails, camping, and more. With convenient access to Highway 169, commuting to Kansas City is simple while still enjoying the benefits of Smithville's highly regarded schools and welcoming small-town atmosphere. Don't miss the opportunity to own this one owner move-in-ready home with additional living space in one of Smithville's most desirable neighborhoods. Schedule your private showing today!

403 Woodland Avenue, Smithville

Listing courtesy of Joseph Fees of ReeceNichols- Leawood Town Center.
$399,000
3 Beds ⋅ 3 Baths
A rare find in Hills of Shannon, and the kind of place you keep circling back to! Everything you need lives on the main level, with a bright, unfussy flow that feels move-in ready the moment you step in. The kitchen anchors the home — quartz counters, a big island, and warm wood floors that carry into the dining area, so the cook is never left out of the conversation. Vaulted ceilings in the primary give the room an airy, open feel. Mornings belong on the east-facing deck with coffee and sunrise; late afternoons trade it for cool shade in the fenced backyard. The finished walkout below opens right out to the lush lawn, and the neighborhood path and playground sit just 300 feet from the door. Come winter, the gas fireplace turns the great room cozy with a flick of a switch — instant warmth, no fuss. Charming, easy to love, and genuinely move-in ready. This is the one you've been waiting for, so come see it!

14609 N Derby Road, Smithville

Listing courtesy of Paul Sidwell of RE/MAX Revolution.
$280,000
3 Beds ⋅ 2 Baths
With some TLC, this home has potential to truly shine! Don't miss a chance to own a 3-bedroom, 2 bath home in a great neighborhood and highly rated school district. Located less than a mile from Smithville Lake and golf course. This home features large primary with see through fireplace to living room, nice eat in kitchen, partially finished basement and big fenced back yard for privacy. Cosmetic work needed would include flooring for the bedrooms and partially finished basement, interior doors, drywall repairs for one wall and some trim work. Seller is giving a 2500.00 credit at closing for repair work. Drywall and some new carpet (may be enough for smaller bedroom) can be left with the house that seller owns. Also some laminated hardwood in box that buyers can have. Basement utility area is stubbed for sink, toilet and shower making it easier to add another full bath if wanted. Water softener staying with home, just not connected right now. Priced below comparisons to accommodate for work needed.

905 Paradise Lane, Smithville

Listing courtesy of Sandie Weathers of Open Door Realty Services LLC.
$392,990
4 Beds ⋅ 2.5 Baths
Welcome to Clay Creek Meadows, where modern elegance meets functionality in this beautifully crafted Bellamy plan by D.R. Horton. This home stands out with its James Hardie® Fiber Cement siding and stone accents, providing both durability and timeless appeal. The welcoming three-rail, two-panel insulated front door enhances both the home's aesthetics and energy efficiency. Inside, you’ll find 9-foot ceilings and a spacious, open layout that exudes warmth and sophistication. The interior has elegant details and a refined touch throughout. The gourmet kitchen serves as the heart of the home, featuring 36-inch painted maple cabinets, quartz countertops, and premium Whirlpool® stainless steel appliances—perfect for both everyday meals and entertaining. The bathrooms offer a luxurious retreat, complete with quartz-topped vanities, Moen® Chrome Faucets, and a primary bath with a 5-foot shower and framed glass enclosure, providing a spa-like experience. Equipped with advanced smart home technology, this residence makes modern living effortless. Control your home’s climate and security with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed for ultimate convenience. LED lighting, a high-efficiency gas furnace, and energy-efficient insulated windows ensure year-round comfort and savings. Additional features like luxury vinyl plank flooring, smart garage door opener, and dual data/TV lines in key areas highlight the home’s commitment to convenience and modern living. D.R. Horton’s attention to detail and commitment to quality are evident throughout, making this home a perfect blend of luxury and functionality. Don’t miss your chance to own this exceptional home in Clay Creek Meadows. Schedule your private tour today! *Ask about Builder Incentives and Warranties **Photos may depict a similar plan with comparable finishes. Please verify details with the onsite sales agent.

306 Lake Meadows Drive, Smithville

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.
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