64089 Homes with USDA Loan Financing

Move in ready in sought after Smithville! This 4 bedroom home has a traditional open floorplan with vaulted ceilings and good sized rooms, fresh paint throughout, new carpet, large eat in kitchen with stainless steel appliances and quartz countertops, large deck overlooking big backyard backing up to open greenspace, great highway access, close to restaurants and shops, won’t last long!

14105 LORA Street, Smithville

Listing courtesy of Micheala Miller of Compass Realty Group.

$365,000

4 Beds ⋅ 3 Baths

Finally, that move-in ready home you have been seeking! Nestled on a quiet cul-de-sac with plenty of parking for guests. Main level living room with a cozy fireplace offering a warm setting for crisp fall evenings. Nearby dining space provides plenty of room for holiday meals. Thoughtfully designed kitchen featuring beautifully stained cabinetry with pantry stack, SS appliances, island with seating & granite countertops. Down the hall you will find a hall bathroom and two additional generous bedrooms. Owner's Suite complete with tray ceiling, walk-in closet, and bathroom with a double vanity. Venture to the lower level with rec room, full bath, and an additional bedroom. Fresh, neutral paint throughout! Deep garage with plenty of storage space. Oversized lot with mature tree view, double deck for entertaining and watching the evening sunset. Located in the highly sought after Smithville School District. Conveniently located near highway 169 and all Smithville has to offer- charming historic downtown, golf course, restaurants, shopping & Smithville Lake. This is not just a house, this is a place to call home!

19304 Switchgrass Court, Smithville

Listing courtesy of Shelly Koenigsfeld of Keller Williams KC North.

$825,000

4 Beds ⋅ 3 Baths

There’s having room to spread out, and then there’s this. Set on 6.73 peaceful acres and minutes from Smithville Lake, this updated ranch offers the kind of setting that changes the rhythm of everyday life. Mornings begin with sunlight pouring through the kitchen windows and coffee on the patio overlooking the pasture. Evenings bring open skies, killer sunsets, and stars you can actually see. Inside, refreshingly oversized rooms make everyday living feel wonderfully uncrowded. Exposed beams and a floor-to-ceiling stone fireplace draw your eye upward in the vaulted great room, while the spacious kitchen brings everyone together around granite countertops, abundant cabinetry, and a large island. The primary suite includes an updated bath and a private door to the back patio. Practical space is equally abundant, thanks to a huge 1000+ square feet 3-car garage with room for vehicles, tools, and projects. Downstairs feels like an extension of the home rather than an afterthought. A 2nd fireplace anchors the enormous recreation room, joined by a full bath, nonconforming 5th bedroom, and brand-new luxury vinyl plank flooring. What else? A 1 year old roof with a transferrable 10 year warranty, and a 4 year old HVAC system. The 40x40 foot barn adds even more possibility. Its finished 1475 square foot gathering space has a 1/2 bath and has hosted holiday dinners, birthday parties, wine-and-paint nights, and workouts. The separate barn storage area could easily be converted into horse stalls if horse life is your thing! Outside, every season brings something new. The tree-lined property becomes a showpiece in fall. Spring brings back established irises, tiger lilies, peonies, and hostas. A pear tree produces fresh fruit, while the vegetable garden has yielded pumpkins, spaghetti squash, and tomatoes. Beyond the garden, grass rolls across the pasture toward a shared pond. It’s a place to breathe, grow things, gather people, and build a life that feels less rushed.

16413 Quinn Road, Smithville

Listing courtesy of Kiley Willis of Real Broker, LLC.

$575,000

4 Beds ⋅ 3 Baths

Pool season isn't over yet! Just minutes from Smithville Lake, this beautifully maintained home offers a heated saltwater pool, two levels of screened-in outdoor living, and a bright, open interior with beautiful hardwood flooring. The heated in-ground pool was converted to saltwater in 2024, with a heater that extends the season well beyond summer. Enjoy fountains, a color-changing light, new Polaris cleaner, and new variable-speed pool pump installed in April 2026. Overlooking the pool and backyard is a two-level screened-in porch, perfect for dining, relaxing, and enjoying the surrounding wildlife. Both levels feature thicker screening for added comfort and privacy. Stone accents, wood-look garage doors, and permanent JellyFish outdoor lighting create great curb appeal. The treed yard is fenced, with fencing added in 2023, plus irrigation and whole-house water filtration. A new roof was added in 2025, along with new gutters, downspouts, and screens as needed. Inside, natural light, detailed woodwork, and hardwood floors carry throughout the open layout. Existing hardwoods were refinished in 2023, with additional hardwood added in the living room, hallway, primary bedroom, front bedroom, stairs, and landing. The spacious living room features a striking fireplace with floor-to-ceiling wood detailing and flows into the kitchen and dining areas. The kitchen includes appliances added in 2024 and an impressive walk-in pantry. The primary suite offers a jetted tub and separate walk-in shower. Additional features include keyless entry, EV hookup, spacious 3-car garage, neighborhood walking trail and pond. With Smithville Lake nearby for boating, fishing, trails, and recreation, there's plenty to enjoy at home and just minutes away!

2004 NE 197th Court, Smithville

Listing courtesy of Curtis Roe of Keller Williams KC North.

$379,990

3 Beds ⋅ 2 Baths

The Harmony is a ranch plan featured at Clay Creek Meadows. This is a spacious and modern home designed with open-concept living carefully considered throughout. This home features James Hardie® Fiber Cement siding and stone accents, providing both durability and timeless appeal on the exterior. The interior features three bedrooms, two bathrooms, and a two-car garage. An inviting foyer greets you upon entering and leads you into the heart of the home. This open plan features a family room, dining room, and kitchen designed with entertaining in mind. The kitchen is equipped with a pantry, 36" cabinets with crown molding, Quartz countertops with tile backsplash, Whirlpool stainless steel appliances, Chrome Moen faucet and a large island with a breakfast bar, making it perfect for both dining and guests. The luxurious primary suite offers a large walk-in closet and a primary bathroom with dual vanities and plenty of space to get ready. The additional two bedrooms share access to the secondary bathroom on the opposite side of the home offering privacy from the primary suite. Control your home’s climate 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. With its thoughtful design, this ranch floorplan is the perfect place to call home at Clay Creek Meadows. *Ask about Builder Incentives and Warranties **Photos may depict a similar plan with comparable finishes. Please verify details with the onsite sales agent.

106 Lake Meadows Drive, Smithville

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

$389,990

4 Beds ⋅ 2 Baths

Elegant Main-Level Living, Contemporary Style, Timeless Appeal in the Chatham at Clay Creek Meadows. These won't last long and have the Best Warranties in the business!! Peace of mind + New Construction Call Today!! The Chatham by D.R. Horton is a thoughtfully designed ranch plan that brings everyday living onto one level with style and simplicity. Its open-concept design flows seamlessly from the gourmet kitchen into the dining and living spaces, making it ideal for entertaining or simply enjoying quiet evenings at home. The kitchen features quartz countertops, painted maple cabinetry, and Whirlpool® stainless steel appliances, complemented by 9-foot ceilings and abundant natural light throughout. The primary suite offers a spa-inspired retreat with dual sinks, a spacious walk-in shower, and an expansive closet. Secondary bedrooms and baths are conveniently positioned to provide privacy while maintaining an efficient footprint. With 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 and double-walled construction ensure year-round comfort and savings. Additional features like durable luxury vinyl plank flooring, and an attached two-car garage with opener, the Chatham balances elegance with everyday practicality. *Ask about Builder Incentives and Warranties **Photos may depict a similar plan with comparable finishes. Please verify details with the onsite sales agent.

200 Lake Meadows Drive, Smithville

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

$288,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

310 NE 194th Court, Smithville

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

$305,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

308 NE 194th Court, Smithville

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

$306,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

306 NE 194th Court, Smithville

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

$306,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

313 NE 194th Court, Smithville

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

$305,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

312 NE 194th Court, Smithville

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

$279,990

4 Beds ⋅ 2.5 Baths

Welcome to Clay Creek by D.R. Horton in Smithville, MO. This community is a short 5-minute drive to the relaxing Smithville Lake and charming downtown Smithville. Clay Creek offers single-family and townhomes floor plans with 3-4 bedrooms and 2-car garages. These flexible plans adapt to fit any stage of life. Homeowners in Clay Creek will have access to Smithville Public Schools and enjoy the community pool and pool house. These versatile floor plans offer quartz counter tops, a tile backsplash, and stainless-steel appliances. The living and dining areas flow together creating a welcoming and inviting atmosphere. The spacious primary bedroom includes an en-suite bathroom with dual vanities and a large walk-in closet. The secondary bedrooms provide a flexible space and room to grow. Enjoy the convenience of smart home technology in every home. Control your video doorbell, garage door, lighting, thermostat, door locks, and voice features from one app, giving you seamless access to your home whether you're across town or relaxing on the couch. Staying connected to your home has never been easier. With a variety of floor plans, open-concept living areas, and modern-finishes, Clay Creek is a community you will love coming home to. Don't miss out on the opportunity to make it your own. Schedule a tour today!

204 NE 194th Court, Smithville

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

64089 Homes with USDA Loan Financing

Newest 64089 Homes with USDA Loan Financing