64504 Homes with Cash Financing

Welcome to the charming community of St. Joseph, Missouri, nestled in the heart of Buchanan County and proudly represented by the zip code 64504. This vibrant area is not just a place to live; it's a lifestyle enriched with history, culture, and a close-knit community spirit.

St. Joseph boasts a unique blend of urban amenities and small-town charm. The 64504 zip code is home to beautifully maintained parks, bustling local shops, and a variety of dining options that cater to every palate. Residents enjoy easy access to recreational activities, with the Missouri River providing opportunities for fishing, boating, and scenic walks along its banks. Not to mention, the city is steeped in history, with landmarks such as the Pony Express Museum and the historic downtown area, making it a delightful place for both residents and visitors alike.

For those looking to invest in their dream home, the 64504 area offers an array of housing options that cater to diverse needs and budgets. With the added advantage of cash financing available for many properties, homeownership is more accessible than ever. Whether you’re a first-time buyer or looking to downsize, the homes in this area are not only affordable but also come with the promise of a welcoming community and a vibrant lifestyle.

If you’re ready to explore the possibilities of living in St. Joseph, MO 64504, let us guide you through the available listings and help you find the perfect place to call home. Experience the charm of St. Joseph, where every day feels like a new adventure!

Newest 64504 Homes with Cash Financing

$12,500

Build your dream home on this spacious 0.41 acre level lot located within the St. Joseph city limits. Featuring beautiful mature trees, public sewer availability, asphalt road frontage, and residential zoning, this property offers an excellent opportunity for new construction. Enjoy a peaceful neighborhood setting while being just minutes from shopping, dining, schools, and everyday conveniences. Bring your builder and your vision!

6634 Sherman Street, St Joseph

Listing courtesy of Barbara Hamby of Top Property Realty, LLC.

$415,000

4 Beds ⋅ 3 Baths

Completely redesigned in 2021, this stunning raised ranch blends modern style, thoughtful updates, and the peaceful setting of 3 beautiful acres. Every detail of the renovation was carefully considered to create a home that is both functional and inviting. The garage is spacious enough for up to four vehicles! The spacious open-concept layout offers comfortable living with contemporary finishes, while the oversized 2-car garage provides plenty of room for larger vehicles, trucks, or SUVs, plus additional storage and workspace. A tankless water heater ensures you'll enjoy an endless supply of hot water, adding both convenience and energy efficiency to your daily routine. Step outside and enjoy the privacy and possibilities that come with 3 scenic acres—ideal for outdoor entertaining, gardening, recreation, or simply taking in the country views. Whether you're looking for extra space to spread out or a beautifully updated home that's move-in ready, this property offers the perfect combination of modern comfort and rural charm.

315 Harrington Avenue, St Joseph

Listing courtesy of Ryan KING of REECENICHOLS-IDE CAPITAL.

$39,900

1 Beds ⋅ 1 Baths

1 bedroom - 1 bath. It is being sold as-is to a cash buyer who refuses to be in debt. AC? Nope! Just open the windows and enjoy the breeze. Amazing porch :) This is steps from the Southside Fall Festival coming soon and the convenience of pizza from your favorite gas station that I cannot mention in this ad! Also, if you need Benton District, this is the home for you! Do not wait because this cupcake will go quickly!

424 Thompson Avenue, St Joseph

Listing courtesy of Agent Jo Pruitt of Agent Jo & Associates.

$100,000

2 Beds ⋅ 1 Baths

Recently updated and meticulously maintained, this charming two-bedroom, one-bathroom home is a turnkey investment with reliable long-term tenants already in place. Enjoy a welcoming south-facing front porch, a partially fenced backyard, and the convenience of a detached garage. Whether you're looking to expand your rental portfolio or secure a low-maintenance investment, this property offers lasting value and dependable income from day one.

1711 Parkview Avenue, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.

$148,000

2 Beds ⋅ 1 Baths

Welcome home to this charming and move-in ready 2-bedroom, 1-bath ranch in South St. Joseph! This well-maintained home offers nearly 1,000 square feet of comfortable living space with a functional layout, abundant natural light, and spacious bedrooms. Situated on a generously sized lot, there’s plenty of room to enjoy outdoor entertaining, gardening, or future improvements. Conveniently located near schools, shopping, dining, and major roadways, this home is an excellent opportunity for first-time buyers, downsizers, or investors looking to add to their portfolio. Don’t miss your chance to own an affordable home with great potential—schedule your private showing today

307 W Walter Lane, St Joseph

Listing courtesy of Rachel Rodriguez Perez of Keller Williams Realty Partners Inc..

$35,000

3 Beds ⋅ 1 Baths

Investor Special! This home sits on a spacious corner lot and is full of potential for the right buyer. With some vision and renovations, this property could be transformed into a fantastic investment opportunity or profitable flip. Whether you're looking to renovate and resell or add to your rental portfolio, this home offers plenty of possibilities. Don't miss the chance to unlock its value!

108 Clayton Street, St Joseph

Listing courtesy of Whitney Strong of RE/MAX PROFESSIONALS.

$235,000

Take advantage of this exceptional opportunity to own a fully operational automotive repair shop that's ready for a new owner. Whether you're expanding your current business or starting your own, this property offers the space, equipment, and infrastructure to hit the ground running. The shop features two separate work areas with 10-foot garage doors on both the north and south sides, along with a 14-foot peak ceiling in the main garage. A loft with air conditioning provides the perfect space for an office, storage, or additional workspace. Stay comfortable year-round with central air conditioning and a gas furnace, plus a new mini-split system installed on the south side in 2024. The north bay and loft area are protected by a durable metal roof installed in 2017, while metal siding offers long-lasting, low-maintenance durability. The north side is equipped with a 60-gallon air compressor, while the south side has its own 80-gallon compressor and an in-ground lift. The property also includes one restroom, a storage shed, and a security system with monitoring available for approximately $40 per month. Average utility costs are around $300 per month. Please note: The alignment machine and rack on the south side, along with the tire machine and oil, are excluded from the sale and will remain with the seller. The lifts will also be removed prior to closing, with the exception of the lift located on the center post of the original side of the shop, which will stay. With valuable infrastructure already in place, this is a rare chance to own a well-established automotive shop that's ready for its next chapter. Schedule your showing today!

5508 Pryor Avenue, St Joseph

Listing courtesy of Claire Lett of RE/MAX PROFESSIONALS.

$49,900

1 Beds ⋅ 1 Baths

This property is a 1-bedroom (possibly 2 bedroom) home that features a living room, kitchen, mud room/laundry room, partially fenced backyard, on a double lot. A sidewalk ramp has been added for easier access to the front door if someone is not able to do steps. Home is in an estate and needs some work but would be a nice starter home or rental after it's updated. Professional appraisal was done to determine price prior to listing. To be sold "as is", seller will make no repairs or warranties on the property.

606 Harmon Street, St Joseph

Listing courtesy of Scott Mears of RE/MAX PROFESSIONALS.

$449,000

3 Beds ⋅ 3 Baths

New Construction level ranch in Glynn Oaks. Scott Gann Construction never disappoints and they've hit it out of the park with this three bedroom, three bathroom home. Adorned with Andersen windows, custom cabinets with soft-close, contemporary finishes throughout and more! New owners will love this Open Concept kitchen, dining, living room. Laundry resides on the main level with access from the primary closet as well as hallway. Finished, walkout basement includes additional living space, full bedroom, one full bathroom and endless storage. Home backs up to green space and offers four seasons of foliage.

2701 Meadow Ridge, St Joseph

Listing courtesy of Alison HORN of The Horn's Realty LLC.

$365,000

3 Beds ⋅ 3 Baths

Huge Price Change! Don’t miss out on this beautiful property and investment!MOTIVATED SELLERS! BRING ALL OFFERS!! Life has changed for my clients and they are moving and would love to see all offers on this beautiful property! Discover the perfect blend of country living and income potential with this unique property on approximately 6 acres! The main home features 3 bedrooms, 3 full bathrooms, a finished basement, fresh interior and exterior paint, and new flooring throughout. Enjoy multiple living spaces, a spacious kitchen, and an attached 2-car garage. A separate 1-bedroom, 1-bath guest home with a large garage offers endless possibilities as a rental, guest quarters, home office, or private living space for extended family. With two driveways and flexible floor plans, the property also presents excellent multi-generational living or investment opportunities. Outside, you’ll love the peaceful park-like setting with mature trees, open acreage, and room for hobbies, animals, gardening, or future expansion. Conveniently located just minutes from shopping, schools, and Hyde Park, this rare property offers the privacy of country living with the convenience of town nearby. Whether you’re looking for additional rental income, space to spread out, or a property with unlimited potential, this one is a must-see!

6401 S 1st Street, St Joseph

Listing courtesy of Bill Combs of Platinum Realty LLC.

$585,000

5 Beds ⋅ 3.5 Baths

Nestled in the desirable Mid-Buchanan School District, this beautifully updated home offers space, comfort, and modern style. Enjoy new flooring throughout and an updated kitchen featuring quartz countertops, subway tile backsplash, and updated fixtures. The main level includes a spacious primary suite, living room with vaulted ceilings, a wood-burning fireplace, and abundant natural light, plus a dining room, breakfast nook, and laundry room with sink. Upstairs offers four large bedrooms and a full bath. The finished basement provides a family room, two non-conforming rooms, a full bath, storm shelter, and ample storage. Car enthusiasts will appreciate the 2-car attached garage plus an additional 2-cartandem basement garage with a separate driveway. Step outside to your private backyard retreat, backing to mature trees, with a covered patio, outdoor fan, fire pit area, and beautiful landscaping. Relax on the large east-facing covered front porch, perfect for morning coffee or evening gatherings. A rare combination of updates, functionality, and outdoorliving—this home is ready to impress!

7204 Pleasant Ridge Terrace, St Joseph

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$105,000

2 Beds ⋅ 1 Baths

Take a look at this move in ready home with an open floor plan, main floor laundry, fenced yard & detached garage on a level lot. New vinyl siding, furnacr, roof, flooring & paint. Enclosed front porch

505 Virginia Street, St Joseph

Listing courtesy of Barbara RICH of RE/MAX PROFESSIONALS.

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