64504 Homes with USDA Loan Financing

Welcome to the vibrant community of St. Joseph, Missouri, nestled in the heart of Buchanan County, where the zip code 64504 offers a perfect blend of small-town charm and modern conveniences. Known for its rich history and welcoming atmosphere, this area is an ideal place for families, young professionals, and retirees alike.

St. Joseph boasts a variety of housing options, making it an attractive market for prospective homeowners. One of the standout features of homes in the 64504 area is the availability of USDA loan financing. This government-backed program is designed to help individuals and families purchase homes in eligible rural areas, making homeownership more accessible and affordable. With zero down payment options and competitive interest rates, many residents find that they can achieve their dream of owning a home without the burden of a hefty upfront cost.

The neighborhood itself is characterized by tree-lined streets, friendly neighbors, and a strong sense of community. Residents enjoy easy access to local amenities, including parks, schools, shopping centers, and dining establishments, all contributing to a high quality of life. Additionally, St. Joseph is rich in cultural attractions, with museums, art galleries, and historic sites that celebrate the city’s heritage.

Whether you're looking for a cozy starter home or a spacious family residence, the 64504 zip code has something to offer everyone. Embrace the opportunity to plant your roots in this delightful part of Missouri, where community spirit thrives and homeownership is within reach!

Newest 64504 Homes with USDA Loan Financing

8301 SW State Route V Highway, St Joseph

$460,000

4 Beds ⋅ 2.5 Baths

CUSTOM ALL-BRICK RANCH on 2.45 ACRES Welcome to this beautifully custom-built all-brick ranch located just outside the city limits! Offering 4 bedrooms, 2.5 baths, and a large open-concept floor plan, this home has been thoughtfully designed with quality and comfort in mind. The spacious main level features gorgeous rounded drywall corners, an inviting open living area, and a beautiful sunroom-perfect for relaxing and enjoying the peaceful surroundings. The primary suite offers a stunning walk-in shower. The large basement provides plenty of additional space and is ready to be finished, offering endless possibilities for additional living space, recreation, storage, or a workshop. One bedroom and a half bath have been finished. A backup generator provides an added piece of mind. Outside, the property truly shines with 2.45 acres, a large patio, and a large metal building featuring finished living quarters on one end, complete with heating and cooling. Whether you need space for a business, hobbies, guests, storage, or a workshop, this versatile building offers incredible potential. Enjoy the privacy and space of country living while remaining just outside the city limits. With its custom construction, all-brick exterior, new roof, spacious floor plan, acreage, exceptional outbuilding, and large basement, this property offers a rare combination of comfort, functionality, and versatility..

8301 SW State Route V Highway, St Joseph

Listing courtesy of Gaye Black of Coldwell Banker General Property.

$630,999

4 Beds ⋅ 3 Baths

$10,000 BUYER INCENTIVE! Sellers are offering up to $10,000 toward buyer closing costs and/or updates with an acceptable offer. Beautiful custom brick home offering 5,077 sq. ft. of versatile living space on 5.84 acres! With 4 bedrooms and 3 full baths, this home provides plenty of room to spread out, gather, entertain, and unwind in comfort. The full basement is an entertainer’s dream, designed for memorable nights without ever leaving home. Challenge friends to shuffleboard, rack up a game of pool, test your aim in the dart alley, or serve your favorite drinks from the custom-built brick bar. Outside, enjoy your 12’ x 24’ oval saltwater above-ground pool with a 25’ x 25’ custom-built deck featuring built-in seating and views overlooking the property. This one-of-a-kind property also offers several unique features, including a walk-in safe, self-made walk-in cooler, concrete horseshoe/washer pit, and workshop. The home is all electric with the exception of the propane cooktop and offers three garage spaces—two on the main level and an additional garage around back near the side entrance. So much space, character, and opportunity—all situated on 5.84 acres! Listing Agent Dawnita Romesburg is also the owner of the property.

1313 SE Moore Road, St Joseph

Listing courtesy of Dawnita Romesburg of Top Property Realty, LLC.

$425,000

4 Beds ⋅ 3.5 Baths

Completely remodeled 4-bedroom, 3 1/2 bath home with a thoughtful design layout. Enjoy ease of living in this ranch home, single-level living at its finest!! Laundry room on the main level! Brand-new windows and exterior sliding door that come with a transferable lifetime warranty! Primary room has a brand-new sliding glass door that opens to the Large back deck with a HOT TUB! This home has been completely transformed, down to the subfloor! New LVP flooring! All new windows with lifetime warranty! Bathrooms are brand new!! A shower is ADA approved! All light fixtures are new, and every ceiling fan has a remote! Solid wood interior doors. Kitchen was renovated 4 1/2 years and offers ample nice cabinetry with durable countertops and the 1-year old FRIDGE STAYS! DISHWASHER is BRAND NEW and STAYS! The sunporch has brand-new outdoor carpet, floor-to-ceiling windows for natural light! The sunporch is heated, and it has a cute tiled bar! The detached garage offers storage space in the attic, with a convenient ladder. The garage door is brand new. It also has a garage code remote. Extra parking next to the garage. Invite friends and family over and have plenty of parking for everyone! With 2.04 acres of land, enjoy the peace and quiet that rural living has to offer. There are various bulbs planted, so there will be flowers popping up in the spring and summer. Lots of mums and hostas around the yard as well. The mature trees offer shade and give a lively feel to the property. There is a storm shelter in the backyard. It is dry and usable. The wooded area behind the house has a trail going through it where you can get to higher elevation and have a great view. Deer have been spotted casually meandering around. Come see the home for yourself. Contact me for a private showing, or come to the open house on Aug 22nd from 11-3pm!

9406 SW State Route JJ N/A, St Joseph

Listing courtesy of Chris Guerrero of Platinum Realty LLC.

$13,500

Build your vision on this 4,791 sq ft residential lot in St. Joseph with key infrastructure already in place. The property offers easy access to electric, water, and gas hookups, saving time and expense when you’re ready to build. A two-car garage with convenient alley access is already on site—perfect for storage, parking, or future plans. The flat, well-maintained lot features existing sidewalks and retaining walls, helping preserve the property’s condition and curb appeal. Enjoy added privacy with no neighboring home on one side of the lot, creating a more open and spacious feel. A great opportunity for a custom home or investment in an established area. Seller is open to seller financing. Example.. $30,000 0ver 60 months, 30% down, $447/month at 10% APR (Annual Percentage Rate). Make Offer, Open to creative financing.

516 Blake Street, St Joseph

Listing courtesy of Travis Martin of BHHS Stein & Summers Real Estate.

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