64506 Homes with FHA Financing

64506 Homes with FHA Financing

Welcome to the vibrant community of St. Joseph, Missouri, nestled in the heart of Buchanan County. The 64506 zip code is a charming area that offers a delightful blend of historic charm and modern convenience. Known for its rich history and friendly atmosphere, St. Joseph boasts a variety of amenities that cater to families, professionals, and retirees alike.

In the 64506 area, you’ll find a diverse selection of homes that not only reflect the character of the region but also present excellent opportunities for buyers seeking FHA financing. This financing option is particularly appealing for first-time homebuyers or those looking to secure an affordable mortgage with a low down payment. Many homes in this zip code qualify for FHA loans, making it easier for you to step into homeownership without the burden of a hefty upfront cost.

St. Joseph is renowned for its beautiful parks, excellent schools, and vibrant downtown area filled with unique shops and eateries. Residents enjoy a strong sense of community, with numerous events and activities that bring neighbors together throughout the year. Whether you’re strolling along the Missouri River or exploring the historic sites that dot the landscape, there’s always something to see and do.

With its welcoming atmosphere and attractive housing options, the 64506 zip code is an ideal place to call home. If you’re ready to explore your options in this wonderful area, let us guide you through the process of finding the perfect property that fits your needs and budget. Your dream home in St. Joseph awaits!

Newest 64506 Homes with FHA Financing

$279,000
3 Beds ⋅ 2 Baths
More photos coming soon! This spacious 3-bedroom, 2-bath raised ranch offers a functional layout with plenty of room to spread out. The large kitchen provides great space for everyday living, while the huge finished basement adds even more usable space with bonus rooms and plenty of possibilities. Step outside to the back deck overlooking a large fenced yard. Situated on a corner lot with a 2-car garage and a new HVAC system installed in 2024. Spacious, functional, and full of possibilities—this home is a must-see to appreciate!

1950 Safari Drive, St Joseph

Listing courtesy of Jennifer Pflugradt of Coldwell Banker General Property.
$230,000
Great investment or owner-occupant opportunity in St. Joseph! This duplex offers two spacious units with a desirable bedroom mix. Unit 1 features 3 bedrooms and 1.5 bathrooms, while Unit 2 offers 2 bedrooms and 1 full bathroom. With a total of 5 bedrooms between both units, this property provides excellent flexibility for rental income or the opportunity to live in one unit while renting the other. Conveniently located near schools, shopping, dining, and everyday amenities with easy access to major roads throughout St. Joseph. Whether you’re looking to expand your rental portfolio or get started with house hacking, this duplex is an opportunity you don’t want to miss. Schedule your showing today!

625 N 22nd Street, St Joseph

Listing courtesy of Rachel Rodriguez Perez of Keller Williams Realty Partners Inc..
$365,000
3 Beds ⋅ 3 Baths
Welcome to this beautifully maintained 3-bedroom, 3-bathroom ranch home located in the desirable Garden Gate Court subdivision! Thoughtfully cared for and move-in ready, this home offers a comfortable blend of timeless design and modern updates, with plenty of space to live, entertain, and relax. The heart of the home is the oversized kitchen, featuring beautiful quartz countertops, abundant cabinetry, and a unique double-sided fireplace that serves both the kitchen and adjoining living room. Whether you're preparing dinner, large gatherings, or entertaining guests, this open and inviting space is sure to be a favorite. A formal dining room provides an additional setting for holidays, celebrations, or more traditional meals. The spacious primary bedroom offers a private retreat with its own en-suite bathroom and large walk-in closet, providing both comfort and excellent storage. Two additional bedrooms offer flexibility for guests, a home office, or hobbies. Fresh interior paint and modern luxury vinyl plank flooring throughout the main living spaces give the home a clean, updated feel, while carpeted bedrooms provide warmth and comfort. The full basement adds even more room to spread out, along with valuable storage and future potential for additional finished living space. From its desirable location in Garden Gate Court to its well-maintained condition and thoughtful updates, this ranch home offers the space, style, and convenience you've been looking for. Come see all this wonderful home has to offer!

3010 Hirter Drive, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.
$324,900
3 Beds ⋅ 2.5 Baths
Have you ever wanted to live in a home where you felt like you were on vacation every single day?! Well.....this could be the home for you!!! The inside has all been recently remodeled and is absolutely stunning! Spacious, open concept floor plan welcomes you immediately when you walk thru the front door! The kitchen is one that will make all your friends envious!! 3 beds, 2 baths on the main level finished basement allows for a great recreation space Then when you get the back yard be prepared to be AMAZED!!! Alexa will turn on all the lights for you if you wish......then you have a composite deck that goes the entire length of the back of the house! The hot tub is secluded under a canopy for privacy with a walk out from the master bedroom with the most incredible landscaping including tropical trees! The spacious backyard is fully fenced which is perfect for the kiddos and/or pets! And I didn't even mention the newly added magnificent firepit area!! The firepit area has a tote to keep your firewood nice and dry! There is a fabulous storage shed to keep your lawn equipment and garden tools as well! And one of the coolest parts of this backyard is the swing......PERFECT to enjoy your morning coffee and/or evening beverage of choice after a long day at work! And ALL of this can be yours for less than $325K!!!! Don't snooze and lose.....Call TODAY for your showing!!!

4404 Rainbow Court, St Joseph

Listing courtesy of Kris Smith of Keller Williams KC North.
$355,000
3 Beds ⋅ 3 Baths
Beautifully updated, spacious home located in a quiet neighborhood close to shopping and dining! Recent updates include a remodeled kitchen with stainless steel appliances, updated bathrooms, new stain master carpet in the basement, zoned HVAC systems, and a newer water heater. The main level features beautiful hardwood floors throughout, a cozy fireplace in the oversized living room, three generously sized bedrooms, including a primary suite with double closets, a formal dining room, and a large utility room. Step outside to enjoy the beautifully landscaped backyard with a patio and a full privacy fence—perfect for entertaining, relaxing, or letting pets play safely. The fully finished lower level offers incredible additional living space, including a huge family room, a flex room that could serve as a home gym, office, or hobby room, a second living area with a gas fireplace, a kitchenette, new stain master carpet, a separate newer HVAC system, and a newer washer and dryer that will remain with the home. The oversized garage provides no-step entry with direct access to the lower level. Accessibility features include a handicap-accessible three-quarter bathroom and a stair lift to the main floor. Don’t miss this exceptional opportunity! This home offers an incredible amount of living space, thoughtful updates, and outstanding value. Schedule your showing today!

5 S Carriage Drive, St Joseph

Listing courtesy of AgentRoc Group of Keller Williams KC North.
$334,900
3 Beds ⋅ 3 Baths
Located in Wilshire Place, this sought after Townhome with open floor plan features 3 bedrooms, 3 full baths, custom kitchen with island and dining combo that opens to the living room. Full Finished lower level with walkout and storage room. Wood, tile and carpet flooring throughout. Main floor deck and lower level patio overlooks the green space. Main floor laundry room with washer and dryer that stay. Hellenbrand water softener, 200 amp service and 2 car garage with off street parking.

4902 Kelsey Court, St Joseph

Listing courtesy of Jim McMillian of Coldwell Banker General Property.
$285,000
4 Beds ⋅ 3.5 Baths
Seller financing available with 15% down!! Don’t miss this opportunity to own a home in the coveted Colony Square neighborhood! With a little TLC, you can restore this property to its former glory—now offered at a great value. Featuring 4 bedrooms, 2 full baths, 2 half baths, and a walkout basement that’s perfect for a playroom or home office. Enjoy abundant natural light and timeless charm throughout. Bring your contractor and transform this house into your dream home!

3706 W Colony Square, St Joseph

Listing courtesy of David Riehle of 1st Class Real Estate KC.
$399,999
4 Beds ⋅ 2.5 Baths
Welcome home to this beautifully maintained 4-bedroom, 2.5-bath residence offering approximately 2,787 sq ft of thoughtfully designed living space in a peaceful, private setting. From the moment you step inside, rich hardwood floors and a warm, inviting atmosphere set the tone. The main level features a spacious primary suite with a walk-in closet, plus a versatile second bedroom that works beautifully as a home office or flex space. Main-floor laundry adds everyday convenience, while a cozy gas fireplace creates a welcoming focal point in the living area. One of the home’s standout features is the 2-car garage, complete with a secondary kitchen featuring a gas stove and sink. Whether you enjoy canning, need extra space for entertaining prep, or have a favorite hobby, this unique setup offers endless possibilities. Plantation shutters and quality updates throughout add a polished touch while enhancing functionality. Downstairs, the finished lower level provides even more room to spread out, with two additional bedrooms—one non-conforming—generous storage, and flexible space that can easily adapt to a family room, home gym, guest retreat, or recreation area. Thoughtful updates offer added peace of mind, including a 2019 roof, HVAC system approximately four years old, furnace humidifier, and water softener. Best of all, low-maintenance living is built in, with the HOA covering lawn care, snow removal, and trash service. With abundant living space, versatile amenities, thoughtful updates, and a private setting, this home offers the perfect blend of comfort, convenience, and easy living.

4109 Hidden Valley Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.
$320,000
4 Beds ⋅ 2.5 Baths
Charming home in a prime location near schools, shopping, dining, and highways. Excellent curb appeal with fresh paint (2 years), a new roof and gutters (2 years), and well-maintained landscaping. The open living area features high ceilings and flows into the dining and kitchen spaces. The kitchen offers plenty of countertop and cabinet space, along with a pantry and gas stove. The master bedroom is spacious, with a private full bath and a generous closet. The finished basement is versatile, suitable as a playroom, movie area, office, or additional bedroom, with ample closet space and a half bath. The fenced backyard provides privacy, complemented by a newer deck (2 years). Stay cool the remainder of the Summer with the NEW AC unit(1yr), and the furnace is 8 years young.

2801 Quail Drive, St Joseph

Listing courtesy of Dominic Dixon of KC Realtors LLC.
$450,000
2 Beds ⋅ 3 Baths
Beautifully maintained and offering over 2,900 square feet of living space, this 2-bedroom, 3-bath townhome has plenty of room and a layout that makes great use of the space. The main level features a spacious kitchen with oak cabinetry, a comfortable living area, main floor laundry and access to a Trex deck perfect for enjoying the outdoors. Updated windows and HVAC add to the many improvements throughout the home. The finished walk-out basement provides even more usable space, including an additional kitchen, generous living and recreation areas, office room and direct access to the back patio. With abundant storage throughout and an attached 2-car garage, there is room for everything. Appliances stay with the home, nice storage space in attic and the HOA provides snow removal for both the sidewalk and driveway. With over 2,900 square feet, multiple indoor and outdoor living spaces, and a well-maintained interior, this townhome offers much more space than you might expect!

2901 Eastbrook Court, St Joseph

Listing courtesy of Jennifer Pflugradt of Coldwell Banker General Property.
$297,900
2 Beds ⋅ 2 Baths
Welcome home to easy living in this well-maintained two bedroom, two full bath townhome in a sought-after neighborhood. The open concept layout feels bright and inviting, while the spacious primary suite offers a large bedroom, private bath, and walk-in closet. Enjoy the convenience of main floor laundry and all level living. The large unfinished basement provides ample storage or future expansion, and you're just five minutes from shopping, dining, and entertainment. Comfort, convenience, and location all in one.

4909 Ashbey Drive, St Joseph

Listing courtesy of RICK PALMA of Keller Williams KC North.
$299,900
3 Beds ⋅ 2.5 Baths
Check out the beautiful 3 bedroom 2.5 bath home located in the Quail Creek Subdivision. Deck, patio, and a 10x12 storage shed. Great convenient location on approximately 1/2 acre lot close to shopping, schools, and interstate access.

3101 N 39th Terrace, St Joseph

Listing courtesy of Bill ALEXANDER of REECENICHOLS-IDE CAPITAL.
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