64504 Homes with VA Loan Financing

64504 Homes with VA Loan Financing

Welcome to the vibrant community of St. Joseph, Missouri, nestled in the heart of Buchanan County and encompassing the 64504 zip code. This area is rich in history, charm, and a sense of belonging that makes it a wonderful place to call home. Known for its friendly atmosphere and a strong sense of community, St. Joseph offers residents a unique blend of small-town charm and urban conveniences.

The 64504 zip code features a diverse array of homes, making it an ideal location for families, professionals, and retirees alike. From cozy bungalows to spacious family homes, there is something for everyone in this inviting neighborhood. One of the standout features of this area is the accessibility of VA loan financing, making it an excellent choice for veterans and active-duty military personnel looking to settle down. With favorable terms and low interest rates, VA loans can help you achieve your dream of homeownership in this welcoming community.

St. Joseph is not only rich in history but also boasts an array of amenities, including parks, shopping centers, and local eateries that cater to a variety of tastes. The city is also home to several highly regarded schools, making it a great choice for families seeking quality education for their children.

Whether you’re looking to buy your first home, invest in a property, or find the perfect place to retire, the 64504 zip code in St. Joseph, MO, offers a promising opportunity to create lasting memories in a community that feels like home. Come discover the charm of St. Joseph and see why so many are proud to call it their own!

Newest 64504 Homes with VA Loan Financing

$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.
$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.
$425,000
3 Beds ⋅ 2 Baths
Welcome to a home that feels like a getaway every single day. Rich in history and full of character, this beautifully maintained 3-bedroom, 2-bath cabin-style home offers the perfect blend of rustic charm and modern comfort. From the moment you step inside, you’ll be captivated by the warm wood finishes, cozy atmosphere, and inviting spaces that make this home truly one of a kind. The spacious floor plan features three generously sized bedrooms, a completely finished basement, and countless details that showcase the pride of ownership throughout. Outside, you’ll find a detached 2-car garage and some of the most meticulously maintained landscaping around. Every corner of this property reflects years of love, care, and attention, creating a setting that feels peaceful, welcoming, and ready for its next chapter. Located in the DeKalb School District and situated in a prime location, this property offers the rare opportunity to own a home with both history and heart. If you’ve been searching for a place that stands out from the ordinary, this is one you’ll want to experience for yourself.

11760 State Route JJ Highway, St Joseph

Listing courtesy of RJC Team of Keller Williams KC North.
$239,900
3 Beds ⋅ 2.5 Baths
Back on the Market "No Fault of the Seller. This spacious property offers the perfect blend of charm, functionality, and potential. From the moment you arrive, you’re greeted by a large front yard and a mostly wraparound porch, ideal for morning coffee or evening sunsets. Inside, vaulted ceilings, wood floors, and updated carpet set the stage. To the right are two versatile rooms separated by a half wall, perfect for an office, playroom, or sitting area. Beyond is the expansive living room, offering plenty of space to relax or entertain. On the left, the dining room flows into a generous kitchen with a unique pass-through bar that opens to a bright additional room filled with natural light and access to both the front and back doors. This space also connects to the main-level laundry. A convenient half bath completes the first floor. Upstairs, the primary suite impresses with large windows, a walk-in closet, and a private bath. Two more bedrooms, one oversized, plus a full hall bath complete this level. The lower level offers endless possibilities. Some of the basement has framing already in place, it’s ready to be finished into your dream basement. There’s room for a recreation area, non-conforming bedroom, storage, and even a potential future bath. Outside, about one third of an acre provides plenty of space for gardening, outdoor living, or play. Classic concrete steps add character and connect the backyard to the front of the property. With its generous square footage, flexible layout, and outdoor space, this home is full of opportunities. This home is ready for you to make it your own.

226 Clayton Street, St Joseph

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
$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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