64503 Homes with FHA Financing

Welcome to the vibrant zip code 64503, nestled in the heart of St. Joseph, Missouri, within the picturesque Buchanan County. This charming area boasts a unique blend of historic charm and modern conveniences, making it an ideal place for families, young professionals, and retirees alike.

As you explore the neighborhoods of 64503, you'll discover a variety of housing options that cater to diverse lifestyles and budgets. From quaint bungalows to spacious family homes, this area is known for its inviting atmosphere and friendly community spirit. One of the standout features of homes in this zip code is the accessibility of FHA financing, which opens the door for many first-time homebuyers and those looking to invest in their future. With FHA loans, you can enjoy lower down payment requirements and competitive interest rates, making homeownership more attainable than ever.

Beyond the attractive housing market, 64503 is rich in amenities. Residents have easy access to parks, schools, shopping, and dining options, ensuring that everything you need is just a stone's throw away. The area's commitment to community events and local initiatives fosters a sense of belonging, making it easy to connect with neighbors and create lasting friendships.

Whether you're looking to settle down or searching for a promising investment opportunity, the zip code 64503 in St. Joseph, MO, offers a welcoming environment that truly feels like home. Come discover the possibilities that await you in this delightful part of Buchanan County!

Newest 64503 Homes with FHA Financing

$229,900

3 Beds ⋅ 1 Baths

This great family home has 3 bedrooms and a bonus 4th room downstairs that could be an office or non-conforming bedroom. The finished basement has a storage room, large laundry room, and a finished family room. Upgrades include a two year-old roof, a one year-old Central Air and new luxury vinyl plank flooring on the main. It features a patio for entertaining with a Pergola and swing to enjoy the large privacy fenced backyard.

3101 S 33rd Terrace, St Joseph

Listing courtesy of Lisa WISDOM-STRAYER of RE/MAX PROFESSIONALS.

$215,000

3 Beds ⋅ 2 Baths

Great ranch home offering easy one-level living! This well-maintained home features three bedrooms and two bathrooms, including a primary suite with its own private bath. Enjoy the convenience of main-floor laundry with a newer stackable washer and dryer. The spacious layout includes both a living room and a family room, along with a large kitchen offering abundant cabinet space for storage and meal preparation. The family room features vaulted ceilings and large windows that fill the space with natural light. Over the past few years, the home has seen several updates, including fresh interior paint, new light fixtures, and updated appliances. Outside, you'll find a one-car attached garage plus an oversized detached two-car garage, providing plenty of space for additional vehicles, a workshop, or extra storage. The fenced backyard offers a great space for pets, play, or entertaining. This move-in-ready home combines comfort, functionality, and plenty of storage, making it a wonderful place to call home.

2214 S 28th Street, St Joseph

Listing courtesy of Teresa Hayes of Twaddle Realty, Inc..

$359,000

4 Beds ⋅ 3 Baths

If you've been searching for a home that feels brand new without the new construction price tag, this is it! Lovingly maintained by the same owners for the past 15 years, this home showcases true pride of ownership and meticulous care throughout. Nearly every inch of this beautiful home has been updated or improved. The owners have invested in a stunning kitchen remodel complete with granite countertops, expanded the home by adding a spacious dining area, installed new flooring and carpet throughout, updated the bathroom countertops, added custom window blinds, modern lighting fixtures, a new deck, patio, vinyl siding, and beautifully refreshed landscaping.From the moment you arrive, you'll notice the exceptional attention to detail and quality of the updates. This is truly a move-in-ready home where all the hard work has already been done. Simply unpack, settle in, and enjoy everything this beautiful home has to offer!

5602 Long View Drive, St Joseph

Listing courtesy of Tina Cotton of Keller Williams KC North.

$199,900

3 Beds ⋅ 2.5 Baths

Fully remodeled! This fully remodeled 3-bedroom, 2 and 1/2 bath home is truly move-in ready. Featuring a new roof, insulation, HVAC, central air, water heater, electrical panel, plumbing, and a beautifully updated kitchen with new stove, microwave, and garbage disposal, this home offers peace of mind. Just move in and enjoy years of low-maintenance living without the worry of major renovations.

2302 S 15th Street, St Joseph

Listing courtesy of Elishia Carrillo of Realty ONE Group Cornerstone.

$125,000

4 Beds ⋅ 2 Baths

This home was fully upgraded 2 1/2 years ago with new flooring and paint, newer roof, soffit and facia, and a/c-the house was taken down to the studs and totally rebuilt. It is handicap accessible, first floor has 2 bedrooms, wheelchair accessible bathroom, living room, laundry room, large eat in kitchen, with stone countertops. Upstairs is 2 bedrooms-and a second full bathroom , the basement has a newer water heater and 200 amp panel, off street parking and one parking spot, big lot , metal shed, and deck. This has been a rental property for the last 2 1/2 years.

904 Vine Street, St Joseph

Listing courtesy of Kandi Harrison of Platinum Realty LLC.

$220,000

3 Beds ⋅ 1.5 Baths

Nestled in a cozy neighborhood, this charming 3 bed 1 and a half bath home offers comfortable living with an inviting feel. The kitchen features granite countertops, custom cabinets, under cabinet lighting and stainless appliances. A partially finaished basement offers many opportunities for extra living space, game room or non conforming extra bedroom. Step outside to a large covered deck perfect for entertaining, grilling or enjoying quiet evenings outdoors. The carport offers covered off street parking. With its practicle layout, this home is ready for its next owner to make it their own. Don't miss your opportunity to call this gem home, schedule a showing today!

2600 Cardinal Lane, St Joseph

Listing courtesy of Angie Ziolkowski of Coldwell Banker General Property.

$225,900

3 Beds ⋅ 2 Baths

Welcome home to this charming 3-bedroom, 2-bath raised ranch nestled in a quiet neighborhood. This move-in ready home has been exceptionally well-maintained and offers a wonderful blend of comfort, character, and functionality. Beautiful hardwood floors flow throughout the home, adding warmth and timeless appeal. The spacious kitchen features gorgeous cabinetry, newer matching appliances, and plenty of room for cooking and entertaining. Enjoy the convenience of an attached 1-car garage and a large fully fenced backyard—perfect for pets, outdoor gatherings, or simply relaxing. With its inviting layout and pride of ownership throughout, this home is ready for its next chapter!

5808 Pleasant Avenue, St Joseph

Listing courtesy of Amber Lattin of BHHS Stein & Summers Real Estate.

$349,500

4 Beds ⋅ 3 Baths

Welcome to life on Easy Street! Nestled on a quiet cul-de-sac and surrounded by nature, this beautifully maintained 4-5 bedroom, one owner ranch home offers the perfect combination of comfort, efficiency, and flexible living space. Built in 2005 and thoughtfully updated, this home is ready for its next owners to move right in and enjoy. The expanded floor plan provides for a spacious kitchen with plenty of room for cooking, gathering, and entertaining. The main level also features convenient laundry, a comfortable primary suite, two additional bedrooms, and a full bathroom. Attached garage features EV car charger. The thoughtful layout offers both functionality and room to spread out. Downstairs, the finished lower level expands your living space with a large family room, a fourth bedroom complete with a walk-in closet, and a third full bathroom. You'll also find a fifth non-conforming bedroom that makes an ideal home office, craft room, workout space, or guest room. One of the standout features of this home is its impressive energy efficiency. Recent updates include a new upgraded, insulated HVAC system designed to maximize comfort while keeping utility costs remarkably low. You'll be amazed at the savings and year-round efficiency. Located in a peaceful setting with wonderful neighbors and abundant natural surroundings, this home offers the tranquility you've been looking for while still providing all the space and conveniences you need. Don't miss your opportunity to make life on Easy Street a reality!

3503 Easy Street, St Joseph

Listing courtesy of Amy Voltz of Keller Williams KC North.

$299,900

3 Beds ⋅ 3 Baths

BEFORE YOU LOOK OR BUY ANYTHING ELSE IN THIS PRICE RANGE...SEE THIS HOME FIRST! PREPARE TO BE WOWED FROM THE MOMENT YOU WALK IN-TURNKEY PERFECTION HAS ARRIVED! You have to walk through it to truly appreciate the quality, updates, and value it offers. Fresh and bright, done just right-this raised ranch is pure delight! With 3 bedrooms upstairs and a primary suite that's extra sweet, you'll enjoy your own private bath and back porch retreat. Sip your coffee, soak up the sun, or end your day when the work is done! The open kitchen and living room flow make entertaining steal the show! With room to gather, laugh, and dine, you'll be making memories all the time. Generous closets throughout the home mean there's space for everything you own! Downstairs is where the fun takes flight- movie nights and game nights done just right! Featuring a gorgeous, updated bathroom, laundry room, and oversized two-car garage, there's room for everyone to spread out and relax. Step outside to a backyard made for grilling, chilling, and memory-making! And the updates? They're practically endless! New windows, new flooring, new cabinets & countertops, new lighting, fresh interior & exterior paint, new bathroom fixtures, new kitchen appliances, new basement sliding door AND SO MUCH MORE! Pack your boxes, grab your key-this just might be where you're meant to be! Don't wait too long or hesitate...homes this cute don't sit and wait! Schedule your showing today before someone else says, "YAY".

1905 Rosewood Terrace, St Joseph

Listing courtesy of Nichole Coons of BHG Kansas City Homes.

$69,900

2 Beds ⋅ 1 Baths

This 1912 bungalow packs a surprising amount of charm and function into 753 square feet — and at this price point, it's hard to beat. Two bedrooms, one updated bath, a living room, and a kitchen with appliances included. Main floor laundry hookups mean no hauling baskets up and down stairs, and a new gas furnace and newer water heater mean the big-ticket mechanicals are already done. One of the bedrooms features a lovely bay window that fills the room with natural light — a sweet little detail you don't expect in a house this size. The fresh paint throughout gives it a clean, move-in feel, and the wooded backdrop out back adds more privacy than you'd expect. There's even a storage shed for the extras. Whether you're a first-time buyer looking to stop renting, or an investor adding a low-maintenance rental to your portfolio, this one checks the boxes that matter. Come see it before someone else does.

2527 S 13th Street, St Joseph

Listing courtesy of Bobbi Howe of RE/MAX PROFESSIONALS.

$374,900

4 Beds ⋅ 3 Baths

Beautiful home with lots of square footage overlooking our beautiful parkway system! The house features over 3,700 sq ft of living space featuring 4 bedrooms, 4 full baths, large living room, updated kitchen with granite counters and island, main floor laundry, sunroom overlooking the beautiful green backyard, and a 2-car basement garage. The lower level has a rec room, kitchenette, and walkout to backyard, and access to garage. There is also an unfinished room that was used as a craft room with its own separate walk out level entry, that could be turned into a possible 5th bedroom and then we used as a mother-in-law suite since it has a kitchen and bathroom adjacent to it. The backyard has a wood privacy fence with a patio, flowers, and a koi pond. Must get inside to see all the space and possibilities!

1902 Park Ridge Drive, St Joseph

Listing courtesy of Scott Mears of RE/MAX PROFESSIONALS.

$349,900

3 Beds ⋅ 2 Baths

Beautiful ranch home in Thousand Oaks. Main-level living at it's best with three bedrooms, two full baths and main level laundry. Kitchen with white cabinets, pantry, granite countertops and stainless steel appliances. Bathrooms feature granite tops. Master bath has walk-in shower and double vanity. Large unfinished lower level and two-car garage.

4816 Crystal Drive, St Joseph

Listing courtesy of Ryan KING of REECENICHOLS-IDE CAPITAL.

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