64505 Homes with Conventional Financing

64505 Homes with Conventional Financing

Welcome to the vibrant community of zip code 64505, nestled in the heart of Missouri! This charming area, part of St. Joseph, offers a delightful blend of suburban tranquility and urban convenience, making it an ideal location for families, professionals, and retirees alike.

The 64505 zip code is characterized by its welcoming neighborhoods, well-maintained parks, and a strong sense of community. Residents enjoy easy access to a variety of local amenities, including shopping centers, restaurants, and entertainment options, ensuring that you’ll never be far from the action. The area is also known for its excellent schools, making it a popular choice for families seeking a nurturing environment for their children.

When it comes to housing options, 64505 boasts a diverse selection of homes that cater to various tastes and budgets. From charming single-family residences to modern townhouses, you’ll find something that fits your lifestyle perfectly. One of the standout features of this area is the availability of homes with conventional financing, making it easier for prospective buyers to secure their dream home. With competitive interest rates and flexible terms, conventional loans are a popular choice for those looking to invest in this thriving community.

Whether you’re a first-time homebuyer or looking to upgrade, the 64505 zip code offers a welcoming atmosphere and a wealth of opportunities. Come explore the beauty and charm of St. Joseph, Missouri, and discover why so many are proud to call this area home!

Newest 64505 Homes with Conventional Financing

$254,000
3 Beds ⋅ 2 Baths
This sweet Lovers lane home features 2 main floor bedrooms, 1 extra large bedroom on the 2nd floor with its own heating and cooling unit and extra baseboard electrical heat. The main floor bath has a shower over tub and the basement bath is 3/4 with shower and laundry hook ups. The home is loaded with charm having hardwood floors and natural woodwork with a reading bench and book case on each side of the fireplace. There is a formal dinning room and breakfast nook. Freshly painted inside and out, newer HVAC aprox 5 years old. There is a very nice over sized 2 car garage and off street parking.

1913 Lovers Lane, St Joseph

Listing courtesy of LISA ROCK of RE/MAX PROFESSIONALS.
$579,900
3 Beds ⋅ 3 Baths
Welcome home to this beautifully updated 3 bedroom, 3 bath ranch, perfectly situated on a cul-de-sac where comfort, style and location come togehter. Thoughtfully refreshed from top to bottom, the home showcases an impressive list of updates, including new carpet in the bedrooms, updated basement flooring and columns, updated lower level bath, fresh paint throughout, stunning new light fixtures-including custom hand blown glass statement pieces that add warmth and character. The open concept home boasts high ceilings in the living and dining rooms, while the fireplace offers a cozy focal point. The well- appointed kitchen is designed for everyday living and entertaining. It features granite countertops, stainless appliances, a new refrigerator and dishwasher, abundant cabinetry with under cabinet lighting and a spacious walk-in pantry. The finished lower level expands your living space with a large rec room complete with second fireplace, wet bar, exercise room and beautifully updated bath. Retreat outdoors, just off the dining area to the partially covered deck overlooking the fenced backyard-ideal for relaxing evenings or weekend gatherings. Impeccably maintained and beautifully updated, this stunning home delivers everything you need! Schedule a showing today!

4116 Autumn Ridge Court, St Joseph

Listing courtesy of Angie Ziolkowski of Coldwell Banker General Property.
$290,000
3 Beds ⋅ 1.5 Baths
Move right in and start enjoying everything this beautifully updated home has to offer! Located in one of St. Joseph's desirable neighborhoods, 3806 N 25th Terrace features 3 main-level bedrooms, 1.5 bathrooms, and has been remodeled from top to bottom with modern finishes throughout. The functional layout offers the convenience of having all three bedrooms on the main level, while the finished basement provides additional living space that's perfect for a family room, home office, gym, or playroom. An attached 2-car garage adds plenty of storage and everyday convenience. Step outside to your fenced in backyard retreat featuring a covered deck with built-in benches and a mounted TV—ideal for entertaining family and friends or simply relaxing after a long day. The spacious yard offers plenty of room to spread out, play, or enjoy outdoor activities. Conveniently located just minutes from North Shoppes, restaurants, schools, and everyday amenities, this move-in ready home offers the perfect combination of style, comfort, and location. Don't miss your opportunity to make 3806 N 25th Terrace your next home—schedule your private showing today!

3806 N 25th Terrace, St Joseph

Listing courtesy of Claire Lett of RE/MAX PROFESSIONALS.
$27,500
GOOD LOCATION PERFECT LOT FOR SMALL HOME SHED STAYS

2512 N 4 Street, St Joseph

Listing courtesy of Gregg Lowrance of UNITED COUNTRY PROPERTY SOLUTI.
$398,000
5 Beds ⋅ 3 Baths
Welcome to this beautifully updated 5-bedroom, 3 full bathroom home situated on nearly an acre in the highly desirable Andrew County School District. Offering space, functionality, and thoughtful upgrades throughout, this property is designed to fit a variety of lifestyles. Inside, you'll find two primary suites, each featuring private en-suite bathrooms and walk-in closets with custom organizers, providing comfort and convenience for homeowners and guests alike. The spacious kitchen is truly the heart of the home, boasting abundant cabinetry, ample storage, and a custom-built center island thoughtfully designed to create a chef’s dream workspace. Outside, the property continues to impress with a 3-car garage, including a utility garage with rear access, perfect for lawn equipment, hobbies, or additional storage. The graveled rear driveway offers extra parking space for guests, trailers, or recreational vehicles. Set on a beautifully landscaped lot just under an acre, you’ll enjoy the peaceful setting while still being only 8 minutes from dining, grocery stores, and the North Shoppes—giving you the best of both convenience and country-style living. Don’t miss the opportunity to make this spacious and well-appointed property your next home.

20350 Orchard Lane, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.
$165,000
3 Beds ⋅ 1.5 Baths
Well maintained home on a quiet cul de sac in North St Joe! 3 bed, 1 1/2 bath with a detached garage fenced back yard This one has A LOT to offer!! Don't miss out on this little North End gem!

706 Randolph Street, St Joseph

Listing courtesy of Kris Smith of Keller Williams KC North.
$720,000
4 Beds ⋅ 5 Baths
Beautiful custom-built home in a peaceful setting with quality craftsmanship and custom finishes throughout. This spacious home features 4 bedrooms, 5 full tile bathrooms, plus a non-conforming 5th bedroom in the finished basement. Enjoy 2 laundry rooms, 2 coffee bars, and 2 fireplaces. The kitchen offers a large granite island, 3 ovens, and a walk-in pantry. Outside, relax on the covered deck with stone pillars or enjoy the new above-ground pool and pool shed. Beautifully landscaped and situated on a paved road in the Avenue City Elementary and Savannah School District. Don't miss this one-of-a-kind property!

20878 County Rd 306 N/A, St Joseph

Listing courtesy of Mauricio Leon of Keller Williams Realty Partners Inc..
$149,000
Investor opportunity with endless potential! This duplex offers the best of both worlds- one side is finished and ready for immediate use, while the other is partly stripped and ready for your vision. Both offer 3 bedrooms 1 bathroom and a nice deck to enjoy the outside. Conveniently located right by Krug park, this property offers a great setting with easy access to outdoor recreation. Bring your ideas and unlock the potential of this duplex

3615/5 Clark Street, St Joseph

Listing courtesy of BRANDON SALE TEAM of Keller Williams KC North.
$104,900
2 Beds ⋅ 1 Baths
Whether you're searching for the perfect place to call home or looking to expand your investment portfolio, 1814 St. Joe Avenue is an opportunity you won't want to miss! This charming 2-bedroom, 1-bath home features a beautifully updated interior with modern finishes throughout. The spacious eat-in kitchen offers plenty of room for cooking and gathering, while the two generously sized bedrooms provide comfort and flexibility. Luxury vinyl plank flooring flows throughout the home, adding both style and durability. You'll also love the inviting living room, the perfect place to relax after a long day, and the large backyard with plenty of space for entertaining, gardening, or simply enjoying the outdoors. Priced to provide exceptional value, this home offers outstanding potential for immediate equity and strong investment returns. Whether you're a first-time homebuyer, downsizing, or adding to your rental portfolio, 1814 St. Joe Avenue is a property that deserves a closer look.

1814 St Joseph Avenue, St Joseph

Listing courtesy of Halsey Moser of BHHS Stein & Summers Real Estate.
$499,000
3 Beds ⋅ 3 Baths
Welcome home to this beautifully maintained 3-bedroom, 3-bath home that’s truly move-in ready! From the moment you walk in, you’ll appreciate the pride of ownership and spacious, inviting layout that’s perfect for everyday living and entertaining. For added peace of mind, a termite inspection has already been completed, and the home inspection report is available to qualified buyers, helping make the buying process smoother and potentially allowing for a quicker closing. Located in a community with an HOA, you’ll enjoy the added benefits and amenities it provides while living in a well-maintained neighborhood. Don’t miss this opportunity to own a beautiful, move-in-ready home with valuable pre-listing inspections already completed. Schedule your private showing today!

13944 Indian Ridge Road, St Joseph

Listing courtesy of Kristina Wilson of Keller Williams KC North.
$118,000
2 Beds ⋅ 1 Baths
Check out this adorable 2 bed, 1 bath home with an attached garage. Fresh paint, hardwood floors & main floor laundry. Living room opens to the formal dining room. Cute kitchen with appliances staying & enclosed back porch. Vinyl siding, replacement windows, central air & tons of storage areas in the basement. Fenced backyard & covered porch. Newer garage door. Whole house water system as a filter. Recently purchased- 5 year washable filter for furnace. Move in Condition!

703 Mcdonald Street, St Joseph

Listing courtesy of Barbara RICH of RE/MAX PROFESSIONALS.
$135,000
2 Beds ⋅ 1 Baths
Make your appointment today to see this spacious, move-in ready home. And this property is priced to sell. You’ll love the new floors and the abundance of built-in storage and character throughout the home. A new roof in June 2026. The central air is only 3 years old and the furnace is only 5 years old. The large main-floor laundry room adds everyday convenience, while the fenced backyard, storage shed, and concrete parking pad complete the package. You really need to see it in person to appreciate everything it has to offer. Don't miss this opportunity to own this home. Schedule your showing today!

2918 N 9th Street, St Joseph

Listing courtesy of AgentRoc Group of Keller Williams KC North.
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