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

$180,000

3 Beds ⋅ 2 Baths

Welcome to this beautifully remodeled 3-bedroom, 2-bath home situated on a spacious .38-acre lot and backing directly to Hyde Park! This home has been thoughtfully updated throughout with a brand-new kitchen, new flooring, new carpet, new appliances, and a new sewer line. All kitchen appliances, along with the washer and dryer, stay with the property, making this home truly move-in ready. The finished basement provides additional living and entertaining space, while multiple entrances offer added convenience and flexibility. Step outside to enjoy an impressive approximately 500 sq. ft. back deck—perfect for entertaining, relaxing, or enjoying the outdoors. A large covered front deck provides even more outdoor living space. With Hyde Park directly behind the property, you'll have easy access to green space, walking trails, recreation, and everything the park has to offer right outside your backyard. With extensive updates, generous outdoor space, and a fantastic location, this one is ready for its new owners!

6309 S 3rd Street, St Joseph

Listing courtesy of Holly Taber of 1st Class Real Estate KC.

$633,500

4 Beds ⋅ 3 Baths

Beautiful custom brick home offering 5077 square feet of versatile living space on 5.84 acres. With four bedrooms, three full baths, this home provides room to spread out and gather, entertain and unwind in comfort. A full basement is an entertainer's dream, designed for memorable nights without 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. Enjoy a nice swim in your 12 x 24 (Oval) salt water above ground pool with a custom-built deck (25x25), with built-in seating overlooking your property. This property has a few unique areas, a walk in safe, a walk-in cooler (self-made), concrete horseshoe/washer pit and a workshop. All electric except for the cook top stove, it is propane. 3 Car garages, 2 on main and 1 around back on the side by entrance. Agent: Dawnita Romesburg is also Owner

1313 SE Moore Road, St Joseph

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

$440,000

4 Beds ⋅ 3.5 Baths

If you're searching for a completely remodeled 4-bedroom, 3 1/2 bathroom home with a thoughtful design layout, this is the home for you! Enjoy the ease of living in a ranch-style 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! The 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! All new LVP flooring! All new windows with a lifetime warranty, including the new sliding door in the primary bedroom! All 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 refridgerater STAYS! DISHWASHER is BRAND NEW! 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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