64505 Homes with USDA Loan Financing

Welcome to the vibrant community of zip code 64505, nestled in the heart of Missouri! This charming area is not just a place to live; it’s a lifestyle choice that offers a perfect blend of suburban tranquility and urban convenience. Known for its friendly neighborhoods and rich history, 64505 is an ideal location for families, young professionals, and retirees alike.

One of the standout features of this area is the availability of homes that qualify for USDA Loan Financing. This program is designed to help low- to moderate-income families achieve their dream of homeownership in rural and suburban communities. With USDA financing options, you can enjoy 100% financing, which means you can purchase a home without a down payment, making it more accessible than ever to settle down in this picturesque part of Missouri.

The 64505 zip code boasts a variety of housing options, from charming single-family homes to spacious townhouses, all surrounded by lush green parks and scenic landscapes. Residents here enjoy a strong sense of community, with local events and activities that foster connections among neighbors. Additionally, the area is serviced by quality schools, making it a great choice for families with children.

Conveniently located near major highways, 64505 offers easy access to nearby cities, shopping centers, and recreational facilities. Whether you’re looking for a peaceful retreat or an active lifestyle, this area has something for everyone. Explore the possibilities and discover your new home in 64505, where community spirit and opportunity await!

Newest 64505 Homes with USDA Loan Financing

$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.

$545,000

4 Beds ⋅ 2.5 Baths

New roof has been installed, that makes ALL the big ticket items under 6yrs old! Where outside and inside living flows seemlessly together! Welcome to this beautifully maintained, one-owner home situated on 3.58 peaceful acres. This spacious side-to-side split offers 4 bedrooms, 2.5 bathrooms, and over 2,300 square feet of comfortable living space with thoughtful updates throughout. Built in 2008, this traditional home features generous living areas, two fireplaces, and an inviting layout designed for both everyday living and entertaining. The kitchen and main living spaces flow seamlessly together, while large windows bring in abundant natural light and showcase the surrounding countryside views. The unfinished walk-out basement provides endless possibilities for future expansion, storage, or a custom recreation space. A 3-car garage offers ample room for vehicles, tools, and hobbies. Take advantage of the 35x40 outbuilding (completely drive-thru) for hobbies or extra storage. Not to mention enjoy the fruit from your own apple, peach and cherry trees! Enjoy the perfect blend of privacy and convenience with country living just minutes from town. This move-in ready property combines space, comfort, and updated style — all on a beautiful acreage setting. Sitting inside the Avenue City R-IX School District!

14366 County Road 351 N/A, St Joseph

Listing courtesy of Jamie Ferrara of Worth Clark Realty.

$194,900

2 Beds ⋅ 1 Baths

Charming 2-Bedroom Townhome with Spacious Driveway & Unfinished Basement – Tons of Potential! Offering comfort, convenience, and room to grow. Perfectly suited for first-time buyers, downsizers, or investors, this home features a functional layout and thoughtful extras. Enjoy the convenience of an attached 1-car garage, plus a rare 4-car capacity driveway—ideal for guests, hobbies, or additional vehicle storage. Inside, the living space is bright and inviting, with well-sized bedrooms and full bath all on one level. The unfinished basement provides endless possibilities—create an additional bedroom, home office, gym, or entertainment area tailored to your needs. Located in a friendly neighborhood with easy access to shopping, dining, and commuter routes, this home is a smart choice with room to grow!

11755 Ridgeway Drive, St Joseph

Listing courtesy of Sharry PEDERSON of REECENICHOLS-IDE CAPITAL.

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