64505 Homes with FHA Financing

64505 Homes with FHA Financing

Welcome to the charming 64505 zip code, nestled in the heart of St. Joseph, Missouri! This vibrant community offers a perfect blend of small-town charm and modern conveniences, making it an ideal place to call home. With its rich history, friendly neighbors, and abundant amenities, 64505 is a hidden gem waiting to be discovered.

One of the standout features of this area is the accessibility to FHA financing, which opens the door for many first-time homebuyers and those looking to invest in real estate. Homes in this zip code are not only affordable but also come with the potential for low down payments and favorable loan terms, making homeownership more attainable than ever.

In 64505, you'll find a diverse selection of homes that cater to various tastes and lifestyles. From cozy bungalows to spacious family residences, the real estate options are both varied and appealing. The neighborhood boasts well-maintained parks, excellent schools, and a thriving local economy, ensuring that residents enjoy a high quality of life.

Additionally, the area is conveniently located near shopping centers, restaurants, and recreational facilities, providing everything you need within reach. Whether you’re taking a leisurely stroll through one of the many parks or enjoying a meal at a local eatery, life in 64505 is both enjoyable and fulfilling.

Explore the possibilities of homeownership in this delightful community, where the charm of St. Joseph meets the convenience of FHA financing. Your dream home in 64505 awaits!

Newest 64505 Homes with FHA Financing

$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.
$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.
$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.
$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.
$117,000
2 Beds ⋅ 1 Baths
What a Charming little home. Come take a look of life on the Hill very comfortable living low utilities. Furnace and Air conditioning new in 2022, appliances new in 2023, and Laundry on main level. Possible 3rd bedroom or bonus room and Home also has some nice storage space in basement

114 E Highland Avenue, St Joseph

Listing courtesy of BRANDON SALE TEAM of Keller Williams KC North.
$579,900
3 Beds ⋅ 2.5 Baths
Welcome to your private retreat just North of St. Joseph! Nestled on 13 secluded acres off Highway 169, this well built 3 bedroom, 2.5 bath home offers the perfect combination of space, efficiency, and breathtaking views. With over 3,168 square feet of living space, and brand new roof, this home was constructed with quality in mind. Featuring 2x6 exterior wall construction and additional insulation for year round comfort and energy efficiency. The inviting living room showcases a wood-burning fireplace complete with a blower and thermostat control, providing an economical and cozy heating source during the colder months. The spacious layout includes a fully finished walkout basement featuring a kitchenette, bedroom, full bathroom, ample storage space, and access to a charming brick patio—ideal for guests, multi generational living, or entertaining. Step outside onto the large deck overlooking the beautiful pond and enjoy stunning sunrise views each morning. The pond is complemented by a cabin that provides the perfect space for entertaining guests, relaxing by the water, or storing fishing and recreational equipment. For hobbyists, business owners, or anyone needing exceptional workspace, the property features an impressive 40' x 50' insulated and heated shop complete with water, electricity, and radiant gas heat. In addition, the home offers a 2-car attached garage for everyday convenience. Whether you're looking for peaceful country living, room to roam, or the ultimate setup for work and recreation, this remarkable property delivers it all while remaining just minutes from St. Joseph.

20449 N US 169 Highway, St Joseph

Listing courtesy of Claire Lett of RE/MAX PROFESSIONALS.
$619,900
4 Beds ⋅ 3.5 Baths
You will absolutely fall in love with this gorgeous ALL ELECTRIC Colonial home that is located in Andrew county and roughly 2 mins from north shops...This home has been completely remodeled so pretty much everything new....from NEW central air units, furnance, hot water heaters,plumbing, roof, carpert,hardwood floors,windows,new cabinets, countertops, kitchen appliances,paint,electrical,light fixtures and down to new lateral lines. 4 beds ( possible non-conforming 5th) 3.5 baths Main floor laundry Formal Dining Room Sitting Room with fireplace Formal living room Eat in kitchen Breakfast nook Full finished basement with family room with fireplace Possible 5th bedroom off the family room Full bath in basement Furnance room Off of the very large family room are patio doors that open up to a patio for those family gatherings. Let's not forget to mention this beautiful home sits on 4.4 acres (mol) with circle driveway, 2 car attached garage and also comes with a 24x40 (roughly) with an overhead door and walk in doors.

19602 59 Highway, Country Club

Listing courtesy of Sandy BLUM of RE/MAX PROFESSIONALS.
$665,000
3 Beds ⋅ 2.5 Baths
When you pull onto Millstone Blvd you cannot help but notice this Mediterranean elegance at the bottom of the cul-de-sac. It really is a show stopper! Natural light is prevalant everywhere and the inviting and sheek color palettes chosen enhance the warmth and desire of comfortable living. The flow through the home is just as nice as the flow outside with the expansive covered lanai. The master suite is your spa with a warm wood ceiling accent and tiled wet room with soaker tub. This new custom home is inviting you to ownership without the stress of picking finishes.

19097 Millstone Terrace, St Joseph

Listing courtesy of Stroud & Associates Team of Real Broker, LLC.
$269,950
3 Beds ⋅ 2 Baths
Welcome home to this completely updated 3 bedroom, 2 bathroom home situated on a spacious .27-acre lot with a fully fenced backyard. From the moment you arrive, you’ll notice the inviting covered front porch/deck, fresh exterior appeal, replacement windows throughout, and a new roof. Inside, the home features new flooring throughout, updated finishes, and a bright, functional layout. The kitchen has been updated with stainless steel appliances and offers convenient access to the laundry area near the back entry. Just off the kitchen, the mudroom area includes a built-in hall tree and bench, perfect for everyday storage and organization. The bedroom layout includes two bedrooms with a updated full hall bathroom between them, plus a private primary suite with an updated full bathroom featuring a walk-in shower. The primary bedroom also includes a walk in closet and french doors that open directly onto the large 12x16 deck, creating a great connection to the outdoor living space. Outside, the property offers multiple areas to enjoy, including two driveways, a fenced backyard, a large rear deck, and an additional outdoor entertainment area with pavers and rock landscaping. The unfinished basement includes a new sump pump and provides useful storage. The finished attic offers flex space with sloped ceilings, making it a great option for an office, hobby room, playroom, or additional hangout area. With major updates already completed and both indoor and outdoor spaces designed for practical use and entertaining, this home is move-in ready and offers a lot of flexibility.

2701 Karnes Road, St Joseph

Listing courtesy of Jonathan Minerick of homecoin.com.
$549,900
3 Beds ⋅ 2.5 Baths
The views alone make this property truly unforgettable. Overlooking miles of rolling countryside, this beautifully restored 1895 farmhouse blends historic character with exceptional modern updates. Completely renovated to the studs in 2023 and further improved in 2024, the home showcases quality craftsmanship, energy-efficient systems, and a setting that’s nearly impossible to duplicate. Inside, the thoughtfully designed 3-bedroom, 2.5-bath floor plan offers both comfort and functionality, featuring open-concept living and dining areas, a cozy fireplace, a built-in office nook, and a beautifully appointed kitchen with a large island and ample storage—ideal for everyday living and entertaining alike. Composite front and back porches create the perfect place to relax and take in the breathtaking panoramic views. Two detached garages provide outstanding versatility, including a convenient 2-car garage near the home and a second garage tucked down the hill with 220V service and tandem parking for up to four vehicles—perfect for car enthusiasts, hobbies, storage, or workshop space. The full stacked-stone basement offers abundant storage and features a charming bonus room beneath the porch with a warm, speakeasy-inspired ambiance. Above, a spacious unfinished attic with dormer windows provides exciting opportunities for future expansion. Combining timeless appeal with extensive recent upgrades, modern efficiency, and unforgettable scenery in every direction, this remarkable property is ready to welcome its next owner.

5201 Cook Road, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.
$238,000
3 Beds ⋅ 1 Baths
Completely renovated throughout! Brand new HVAC, plumbing, carpet, paint, and trim. This three bedroom, one bath raised ranch also boasts 4 year old roof, siding and gutters. Turn-key and ready for it's new owner!

2521 Essex Street, St Joseph

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