64501 Homes with Conventional Financing

64501 Homes with Conventional Financing

Welcome to the charming neighborhood of St. Joseph, Missouri, where the zip code 64501 serves as a gateway to a vibrant community steeped in history and modern conveniences. Nestled in Buchanan County, this area is renowned for its rich heritage, friendly atmosphere, and a variety of amenities that cater to families, professionals, and retirees alike.

In 64501, you'll discover a delightful mix of architectural styles, from historic homes that echo the past to contemporary residences that meet today’s lifestyle needs. The real estate market here is thriving, with numerous properties available for conventional financing. This means that whether you’re a first-time homebuyer or looking to upgrade, securing a mortgage is straightforward and accessible.

St. Joseph boasts an array of parks, recreational facilities, and cultural attractions, ensuring that there’s never a dull moment. Residents enjoy easy access to local shops, dining options, and entertainment venues, making it a perfect place to call home. The community is also known for its excellent schools and family-friendly environment, making it an ideal location for those looking to raise children.

With its affordable housing market and the availability of conventional financing options, 64501 is an attractive choice for anyone looking to invest in real estate. Whether you’re drawn to the historical charm or the modern conveniences, St. Joseph offers a unique blend of both, making it a wonderful place to live, work, and play. Come explore the possibilities in this thriving community!

Newest 64501 Homes with Conventional Financing

$205,000
3 Beds ⋅ 2 Baths
Welcome home to this charming 3-bedroom, 2-bathroom home in one of St. Joseph’s desirable neighborhoods! From the moment you arrive, you’ll fall in love with the welcoming front porch, complete with a porch swing—the perfect spot to enjoy your morning coffee or relax after a long day. Inside, you’ll find a comfortable layout designed for everyday living, while outside you’ll appreciate the spacious deck, ideal for entertaining family and friends. The attached two-car garage offers plenty of room for vehicles, storage, or hobbies. Conveniently located within walking distance to schools, parks, and everyday amenities, this home combines comfort, convenience, and neighborhood charm. Whether you’re a first-time homebuyer, looking for more space, or searching for your next place to call home, this property checks all the boxes. Don’t miss your opportunity to own this beautiful home in a fantastic St. Joseph location—schedule your private showing today!

2823 Charles Street, St Joseph

Listing courtesy of RJC Team of Keller Williams KC North.
$145,250
Unlock the potential of this brick triplex with plenty of upside for the right investor. One unit has already been updated, while the remaining two are ready for renovation, offering the opportunity to add value through thoughtful improvements and sweat equity. The property features two studio apartments and a larger unit with two to three bedrooms, providing flexibility to meet a variety of rental needs. With its solid brick construction, versatile unit mix, and tremendous value-add potential, this triplex is an excellent opportunity to create a strong income-producing asset. Whether you're looking to expand your portfolio or take on your next renovation project, this property offers the chance to build equity and maximize future cash flow. This property is being offered as part of a larger investment portfolio.

723 S 10th Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$131,500
3 Beds ⋅ 2 Baths
Bring your vision to this exciting value-add opportunity in one of Midtown's most desirable neighborhoods. This spacious four-bedroom, two-bathroom home offers the perfect canvas for an investor or renovator ready to unlock its full potential. A complete remodel is needed, but the opportunity to build significant equity and realize a strong after-repair value makes this a project worth pursuing. In addition to the generous living space, the property features an alley-access garage with bonus space above, providing even more possibilities for storage, a workshop, or future improvements. With its sought-after location and solid footprint, this home is ready to be transformed into a standout property. This property is being offered as part of a larger investment portfolio, creating the opportunity to acquire multiple income-producing and value-add properties as a package.

2410 Faraon Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$89,500
4 Beds ⋅ 1 Baths
Add a dependable income-producing asset to your portfolio with this turnkey four-bedroom, one-bathroom investment property. Built with durable brick construction, this well-maintained home has been recently updated inside, including newer carpet, offering a clean and comfortable living space for tenants. Long-term tenants are already in place, providing immediate cash flow from day one. Whether you're expanding an existing portfolio or making your next investment purchase, this property offers a solid combination of stability, low maintenance, and reliable rental income. This property is being offered as part of a larger investment portfolio, creating the opportunity to acquire multiple income-producing properties as a package.

113 N 17th Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$126,900
Expand your investment portfolio with this turnkey duplex offering immediate rental income from day one. Both four-bedroom, two-bathroom units have been recently renovated and are occupied by long-term tenants, providing stable cash flow and minimizing upfront work for the new owner. Each unit features central heating and cooling, spacious floor plans, and modern updates that help attract and retain quality tenants. Whether you're a seasoned investor or looking to grow your rental portfolio, this well-maintained duplex is an excellent opportunity to acquire a performing asset with dependable income potential. This property is being offered as part of a larger investment portfolio, presenting the opportunity to acquire multiple income-producing properties as a package.

1618-1620 S Eleventh Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$295,000
Prime corner-lot property in Downtown Saint Joseph, zoned P-1, featuring a roof approximately 5 years old. Approximately 2,762 SF of open space, ready for custom buildout. Corner location offers excellent visibility, highlighted by large display windows across the front.

522 Felix Street, St Joseph

Listing courtesy of Adam Stein of BHHS Stein & Summers Real Estate.
$199,500
3 Beds ⋅ 1 Baths
This well-maintained 3-bedroom, 1-bathroom home combines classic charm with significant updates. Beautiful original hardwood and LVP floors add warmth and character throughout, while freshly painted rooms create a bright, inviting atmosphere. The updated bathroom offers modern convenience, and a brand-new roof provides added peace of mind for years to come. Enjoy the convenience of a one-car garage and a fully fenced backyard—perfect for pets, play, or weekend barbecues. Located in a quiet neighborhood just minutes from walking trails, grocery stores, dining, and everyday essentials, this home offers both comfort and convenience. Whether you're a first-time buyer or looking to downsize, this move-in ready home is one you won't want to miss!

507 E Meadow Lane, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.
$142,500
2 Beds ⋅ 2 Baths
Experience the charm of downtown St. Joseph in this one-of-a-kind 2-bedroom, 2-bath loft that perfectly blends historic character with modern updates. Natural light pours through expansive windows, creating a bright and inviting atmosphere throughout the open-concept living and dining areas. Fresh interior paint and brand-new carpet on the main level provide a move-in-ready feel, while soaring ceilings enhance the spacious layout. A versatile bonus room offers endless possibilities as a home office, mudroom, hobby space, or playroom. The unique loft overlooking the main living area is ideal for a reading nook, game room, or creative studio. The lower level features all the bedrooms, a second full bath, convenient laundry area, and a striking bedroom with exposed brick accents that add warmth and personality. Located just moments from downtown shopping, restaurants, and entertainment, this distinctive home offers the perfect combination of comfort, style, and convenience.

712 Francis Street Unit #A, St Joseph

Listing courtesy of Tiffany Campbell of Keller Williams KC North.
$106,000
2 Beds ⋅ 1 Baths
This well-maintained two-bedroom, one-bathroom home has been thoughtfully updated and offers dependable income with long-term tenants already in place. Situated on a quiet block, the home features a welcoming east-facing front porch—perfect for enjoying the morning sun. A solid, low-maintenance investment, this property is an excellent addition to any rental portfolio.

1412 N 10th Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.
$1,500,000
8 Beds ⋅ 9.5 Baths
Named Best Bed & Breakfast in St. Joseph for 2026 and featured in Dwell, Shakespeare Chateau Inn & Gardens is one of Missouri’s most remarkable Gilded Age estates. Built in 1885 and set on nearly two acres along historic Hall Street—once known as Millionaires’ Row—this distinguished Chateauesque residence offers an exceptional opportunity to own a remarkably preserved piece of architectural history. The grand interior showcases 47 original stained-glass windows, hand-carved cherry, mahogany, oak, and walnut woodwork, ornate plaster ceilings, encaustic tile floors, period chandeliers, and eight fireplaces. Among the estate’s most significant features is the rare Zuber panoramic wallpaper “Eldorado,” installed circa 1920. Examples of this historic French scenic wallpaper can also be found in prominent settings, including the White House. The property includes the stately main residence, a carriage house with three private apartments, and an additional structure at 819 Hall Street that offers potential for expanded residential, guest, studio, or future destination use, subject to zoning and applicable approvals. Expansive grounds, mature landscaping, and multiple structures create a rare opportunity for a private estate, multigenerational compound, or distinctive residential retreat. This offering includes the residential real estate only. Business operations, furnishings, and personal property are available separately. For video, floor plans, a 3D tour, historic documentation, and information regarding both residential and commercial opportunities available upon request.

809-819 Hall Street, St Joseph

Listing courtesy of Anthony West of Sage Sotheby's International Realty.
$2,000,000
As featured in Dwell, Shakespeare Chateau Inn & Gardens is a landmark Gilded Age estate located along St. Joseph’s historic Hall Street and one of the Midwest’s most distinctive hospitality properties. Named Best Bed & Breakfast in St. Joseph for 2026, the estate has operated for more than 14 years as an established destination inn, wedding venue, and private-event setting. The commercial offering presents a rare opportunity to acquire a recognized hospitality platform with six guest suites, formal gathering and dining rooms, a commercial kitchen, wine cellar, nearly two acres of landscaped grounds, strong guest reviews, an established brand, and the potential for continued operations following acquisition. Built in 1885, the Chateauesque main residence retains an extraordinary collection of original architectural details, including 47 stained-glass windows, hand-carved cherry, mahogany, oak, and walnut woodwork, ornate plaster ceilings, encaustic tile floors, period chandeliers, and eight fireplaces. Among its most significant features is the rare Zuber panoramic wallpaper “Eldorado,” installed circa 1920, with examples of the same historic French scenic wallpaper found in prominent settings including the White House. The carriage house includes three apartments that may support staff housing, extended-stay accommodations, or additional rental income. The companion structure at 819 Hall Street has been taken to the studs within its preserved historic exterior and offers potential for a restaurant, café, gallery, spa, event expansion, or additional guest accommodations, subject to zoning and applicable approvals. The commercial offering includes the real estate, most furnishings, furniture, fixtures and equipment, and designated business assets. Select personal property will be addressed separately. Video, floor plans, a 3D tour, historic documentation, and financial information are available upon request.

809-819 Hall Street, St Joseph

Listing courtesy of Anthony West of Sage Sotheby's International Realty.
$264,900
3 Beds ⋅ 2.5 Baths
Welcome home to this beautifully maintained property on Noyes Boulevard! Offering exceptional curb appeal, home features a spacious off-street parking pad and a attached one-car garage for added convenience. Step inside to find warm hardwood floors, soaring ceilings and an abundance of natural light streaming through the many windows. The inviting living room is the perfect space to relax to entertain. The updated kitchen offers modern finishes and functionality, while the main floor laundry adds everyday convenience. The spacious primary suite is a true retreat, complete with the walk-in closets and a private en-suite bathroom featuring separate vanities. The main level also includes a second bathroom, and an additional full bathroom. Upstairs, you'll find a third bathroom with its own private half bath, making it an ideal space for guests, a home office or added privacy. With its thoughtful layout, modern updates, and prime location, this home is ready for its next owner!

302 N Noyes Boulevard, St Joseph

Listing courtesy of Dayton Janssen of Coldwell Banker General Property.
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