64506 Homes with VA Loan Financing

Welcome to the charming 64506 zip code, nestled in the heart of St. Joseph, Missouri! This vibrant area, located in Buchanan County, is a hidden gem that offers a perfect blend of small-town charm and modern conveniences. With its rich history and welcoming community, 64506 is an ideal place to call home.

As you explore this delightful zip code, you'll find a variety of housing options that cater to diverse lifestyles. From cozy single-family homes to spacious townhouses, there’s something for everyone. One of the standout features of this area is the availability of homes that qualify for VA loan financing. This means that veterans and active-duty service members can take advantage of favorable loan terms, making homeownership more accessible than ever.

Living in 64506 offers residents the chance to enjoy a wealth of amenities. The area is dotted with parks, recreational facilities, and local shops, ensuring that you have everything you need right at your fingertips. With excellent schools and a strong sense of community, families will find this neighborhood to be a nurturing environment for children to grow and thrive.

Furthermore, St. Joseph is known for its rich cultural heritage and vibrant arts scene, providing endless opportunities for entertainment and engagement. Whether you’re enjoying a leisurely stroll along the Missouri River or attending a local festival, there’s always something happening in this lively community.

Discover the charm of 64506 and explore the possibilities that await you in this wonderful corner of Missouri. Your dream home is just around the corner!

Newest 64506 Homes with VA Loan Financing

$216,000

2 Beds ⋅ 1 Baths

Welcome to this move-in ready Saint Joseph home, packed with high-value updates and conveniently located near local shopping, dining, and major highways! Step through the entryway into a bright main level featuring fresh interior paint throughout, durable wood-plank laminate in the living room, dining area, and hallway, and classic original hardwood in both bedrooms. The kitchen comes fully equipped with tile flooring, new countertops, a new sink faucet, and brand-new stainless steel appliances. Downstairs, the finished basement space offers a versatile non-conforming bedroom with brand-new carpet and adjacent utility storage. Major high-ticket updates provide complete peace of mind, including a brand-new water heater, 2024 roof, and high-efficiency thermal replacement windows and newer furnace. Enjoy outdoor living on the raised deck, lower patio with fire pit, and fully fenced backyard. Complete with a drive-in garage and low-maintenance vinyl siding—schedule your tour today!

2607 Parallel Avenue, St Joseph

Listing courtesy of David Price of United Real Estate Kansas City.

$665,000

4 Beds ⋅ 5.5 Baths

LAKEFRONT LIVING AT ITS FINEST in St. Joseph’s premier neighborhood, Lake at Twelve Oaks! Set on a beautiful .85-acre lakefront lot, this classic 1.5-story estate offers exceptional space, thoughtful design & breathtaking water views from every level. The main level features a spacious primary suite with wood floors, dual walk-in closets, fireplace & access to the expansive lake-view deck. The luxurious primary bath includes a soaking tub, large walk-in shower & double vanity, while a convenient guest powder room serves the main level. The massive vaulted Great Room features a stunning stone fireplace & gorgeous lake views. The impressive chef’s kitchen is fully equipped with abundant workspace, beautiful views & access to a large walk-in pantry and massive laundry room with additional storage & laundry sink. Upstairs, a spacious landing leads to 3 large bedrooms. One offers 2 closets & a private en-suite, while the other 2 feature walk-in closets & a shared tub/shower en-suite, each with its own vanity & toilet area. The walkout lower level adds incredible living & entertaining space with a 3rd fireplace, large family room with wet bar, 5th non-conforming bedroom with walk-in closet, wine cellar, storage rooms & a 4th garage bay ideal for a workshop, hobbies or storage. Beautiful lake views & easy water access can be enjoyed from all 3 levels, with the expansive deck offering direct access to the kitchen & primary suite—perfect for morning coffee, sunsets & entertaining. Lake at Twelve Oaks residents enjoy the lake, walking trails now linked to the local elementary school & seasonal traditions including the much-anticipated 4th of July fireworks & festivities. Space, privacy, lake views & an incredible neighborhood lifestyle—this is lakefront living with room to enjoy it all! Offered at a fantastic price for a lakefront estate property. Come see why this exceptional home may be perfect for you!

4603 S Lakewood Drive, St Joseph

Listing courtesy of Amy Voltz of Keller Williams KC North.

$499,900

3 Beds ⋅ 4.5 Baths

Gorgeous, spacious, and designed for effortless living! This stunning 3-bedroom, 4.5-bath home offers an exceptional floor plan with two additional non-conforming bedrooms in the basement, providing flexibility for guests, an office, gym, or hobby space. Step inside and experience an abundance of natural light filling the home and creating a bright, welcoming atmosphere. The heart of the home is the huge chef’s kitchen, featuring an oversized island, an impressive amount of cabinet storage, and a plethora of pantry space! A lovely hearth room shares a see-thru fireplace with the living area. The main-floor primary suite offers convenience and privacy with en suite bath, while upstairs you'll find a second primary suite, making this home ideal for multi-generational living or hosting overnight guests. In fact, each bedroom enjoys its own private bathroom, offering comfort and convenience for everyone. The finished walk-out basement adds additional living space and opens to the outdoors, while the multi-level deck and screened-in porch create the perfect setting for morning coffee, evening gatherings, or simply enjoying the surrounding views. With generous living spaces, incredible storage, multiple private suites, and a location convenient to the hospital, shopping, dining, and everyday amenities, this home truly has it all. A must-see property with space, style, and versatility in all the right places!

512 Pinewood Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

$329,900

2 Beds ⋅ 2 Baths

Welcome to the Greens of Ashland! This well-maintained two bedroom, two bathroom townhome offers comfortable, low-maintenance living with an inviting open floor plan. The kitchen features an island, stainless steel appliances, and easy flow into the living/dining areas, complete with an electric fireplace for added warmth and ambiance. A two car attached garage provides convenient parking and storage. Enjoy the covered patio and low-maintenance exterior, while the HOA takes care of lawn and snow removal. For added convenience, all window coverings, washer and dryer, and mounted TVs stay with the home. Move-in ready and designed for easy living!

3002 Sheffield Lane, St Joseph

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

$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.

$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.

$314,900

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 $315K!!!! 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.

$350,000

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.

$314,000

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.

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