64506 Homes with Conventional Financing

Welcome to the vibrant community of St. Joseph, Missouri, specifically the charming zip code 64506! Nestled in Buchanan County, this area boasts a delightful blend of historic charm and modern conveniences, making it an ideal place for families, young professionals, and retirees alike.

St. Joseph is known for its rich history, including its role as a starting point for the Pony Express and its connection to the famous outlaw Jesse James. Today, the city offers a variety of amenities, from quaint local shops and restaurants to beautiful parks and recreational facilities. The 64506 zip code features a diverse range of neighborhoods, each with its own unique character, ensuring that there's something for everyone.

For those considering a move to this picturesque area, you'll be pleased to know that homes in the 64506 zip code are often accessible through conventional financing. This makes it easier for buyers to secure a mortgage and invest in their dream home. Whether you're looking for a cozy bungalow, a spacious family home, or a charming historic property, the real estate options here cater to a variety of tastes and budgets.

With a strong sense of community and a welcoming atmosphere, St. Joseph is not just a place to live but a place to thrive. Explore the possibilities that await you in the 64506 zip code, where your dream home and a vibrant lifestyle are just around the corner!

Newest 64506 Homes with Conventional Financing

$250,000

3 Beds ⋅ 3 Baths

Charming 3-Bedroom, 3-Bath Home with Spacious Family Room Addition! This well-cared-for 3-bedroom, 3-bath home offers plenty of space and great potential to make it your own! The kitchen features beautiful stained cabinetry, and all kitchen appliances stay with the home for added convenience. A large family room addition provides extra living space, perfect for relaxing or entertaining, while the spacious wraparound deck is ideal for enjoying the outdoors. Situated on a nice corner lot with a large vacant field across the street, this property offers an open setting and plenty to appreciate. Additional features include a two-car garage and a backyard storage shed that stays with the home. While some updating is needed, this property offers a wonderful opportunity to add your personal touches and make it your own. Don't miss the chance to see all the space, features, and potential this home has to offer!

2401 Elephant Trail, St Joseph

Listing courtesy of Matthew Paden of REECENICHOLS-IDE CAPITAL.

$419,900

4 Beds ⋅ 3 Baths

Nestled at the end of a peaceful cul-de-sac, this stunning home offers an exceptional blend of space, elegance, and everyday comfort. Step inside to discover soaring ceilings, beautiful hardwood floors, and an inviting living room featuring a charming fireplace. The bright, welcoming kitchen is filled with natural light and opens through sliding glass doors to a private deck overlooking a serene, tree-lined backyard—perfect for morning coffee or outdoor gatherings. Upstairs, the expansive primary suite provides a true retreat, complete with a cozy sitting area, an oversized walk-in closet, and a beautifully renovated, spa-inspired bathroom. The lower level offers additional bedrooms, a full bathroom, and an impressive second living area featuring soaring ceilings, another fireplace, and direct access to the backyard patio. Whether you're hosting guests, enjoying quiet evenings, or simply looking for room to spread out, this thoughtfully designed home delivers comfort and versatility throughout. **Discover the space, charm, and lifestyle you've been looking for at 3403 Waterford Court. Welcome home!

3403 Waterford Court, St Joseph

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.

$220,000

4 Beds ⋅ 2 Baths

Full of character and offering an abundance of living space, this charming newly remodeled two story home is ready to welcome its next owners! Featuring 4 bedrooms, 2 full bathrooms, and approximately 1,908 square feet, this home offers a functional and inviting layout. The main level features a spacious living room, a separate dining room, and a lovely kitchen, creating the perfect spaces for everyday living and entertaining. Upstairs, you'll find four bedrooms, including a large and spacious primary suite. The suite features a second bedroom that offers flexibility for a nursery, home office, or the opportunity to transform it into an expansive walk-in closet. Also included in the suite is a spacious primary bathroom and a convenient adjoining laundry room. The unfinished basement provides additional storage, while the generous quarter acre lot offers plenty of outdoor space to enjoy. Centrally located in St. Joseph, this home blends classic two story charm with comfortable, practical living. Come take a look and see everything this home has to offer!

2619 Folsom Street, St Joseph

Listing courtesy of Janelle Misner of REECENICHOLS-IDE CAPITAL.

$404,900

3 Beds ⋅ 3.5 Baths

If you’ve been waiting for a home in Wilshire Place that’s been truly cared for, this is the one to see. With over 3,100 square feet of finished space, a 3-car garage, and a finished walkout basement, there’s room here that’s hard to find, and the same owners have looked after it since the day it was built. Step inside and the vaulted ceilings and curved staircase with iron balusters set the tone right away. The formal dining room with its tray ceiling sits just off the entry, and the main floor opens up into a family room with a gas fireplace and custom built-in cabinetry. The kitchen is open to the family room with a breakfast bar, plus an island, solid surface counters, a wall oven, built-in microwave, pantry cabinets, and LVP flooring. The eat-in area sits in a bright bay window, and a sliding door leads right out to the deck. Just a few steps up are all 3 bedrooms and 2.5 baths, plus an office nook. The primary suite has a tray ceiling, a walk-in closet, and a bath with a corner jetted tub and a tiled walk-in shower with a built-in bench. The hall bath has a double vanity, and the laundry room on the same level comes with a utility sink, counter space, and plenty of cabinets. Head downstairs and the side walkout basement adds roughly 1,050 square feet of finished space. You’ll find a long rec room with recessed lighting, a second large living area by the walkout door, a non-conforming bedroom, and a full bath, with LVP flooring throughout. There’s also a separate storage room and a utility room for extra space. Out back, the composite deck with sleek metal railings overlooks a fully fenced yard with a big, mature shade tree. The HVAC was just serviced and checked out great, plantation shutters dress most of the windows, and the washer, dryer, and refrigerator all stay. HOA is only $75 a year. Space, condition, and a 3-car garage in Wilshire Place. This one is worth seeing in person!

4706 Wilshire Drive N, St Joseph

Listing courtesy of MICHAEL SIELA of REECENICHOLS-IDE CAPITAL.

$417,000

3 Beds ⋅ 2.5 Baths

Welcome to this amazing home in the desirable neighborhood of Carriage Hills! Live above the rest in your own private treehouse, surrounded by beautiful, mature trees and a serene setting. Immaculately clean and meticulously maintained, this home offers the perfect blend of comfort, space, and style. The kitchen is sure to impress with beautiful, stained cabinetry and gorgeous granite countertops. Enjoy both formal and casual living spaces, including an inviting formal living room with a fireplace, a dedicated media room perfect for movie nights, and an additional finished lower-level recreation room offering even more space to relax, entertain, or play. Upstairs, you'll find three spacious bedrooms, including an expansive primary suite that feels like a private retreat. The luxurious primary bathroom features double vanities, a large jetted soaking tub, a separate tiled shower with dual shower heads, a private water closet, and a generous walk-in closet. Two additional oversized bedrooms and a full bathroom complete the upper level. A three-car garage provides plenty of room for vehicles, storage, and hobbies. All set on a beautifully treed lot, this exceptional home offers space, privacy, and a wonderful setting in one of the area's most desirable neighborhoods. Come experience all this beautiful home has to offer!

3301 E Devonshire Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

$2,300,000

Well-maintained single-story medical office building on a large lot of roughly 2.30 acres, equipped with rooftop solar panels. The building offers approximately 8,185 SF with a spacious lobby area, a reception area, and staff workstations throughout. The layout includes an operating room, a procedure room, 6 patient exam rooms, 2 private doctor offices, 4 patient bays, 4 dressing areas, 2 staff locker rooms, a staff breakroom, and storage rooms located throughout. Outside, the spacious parking lot serves patients, staff, and visitors, and the one-level design keeps access easy and convenient.

2111 N Woodbine Road, St Joseph

Listing courtesy of Adam Stein of BHHS Stein & Summers Real Estate.

$234,900

3 Beds ⋅ 2.5 Baths

Welcome to Hurst Hills – affectionately known as “The Zoo!” This classic brick raised ranch combines timeless charm, comfortable living, and peace of mind with many of the improvements already completed! Fresh paint adds a clean, updated feel throughout, while a new sliding glass door provides easy access to the private backyard. The main living area offers beautiful hardwood floors, a charming painted, brick fireplace, and built-in shelving that add warmth and character. Three spacious bedrooms are conveniently located on the main level, along with an updated bathroom. The finished lower level adds additional living space, complete with a large recreation room, a second fireplace, an additional bathroom, and plenty of storage opportunities. The list of major improvements is extensive! Enjoy added peace of mind with a new main sewer line to the city (1 year), full roof replacement (2 years), new gutters (2 years), premium Andersen windows (4 years), and new kitchen appliances (1 year). An attached two-car garage makes everyday living easy. Outside, the mature trees and established landscaping create a beautiful, shaded backyard retreat. Whether you're relaxing on the patio, enjoying a little gardening, or hosting family and friends, this outdoor space is ready to be enjoyed. Classic character, thoughtful updates, a great location, and valuable improvements make this home the one you won't want to miss!

1806 Safari Drive, St Joseph

Listing courtesy of Ramseier Group of Keller Williams KC North.

$259,900

3 Beds ⋅ 3 Baths

This three bedroom, three bathroom raised ranch was built in 1974 and located in The Zoo! Open kitchen and dining space offers views of fenced-in back yard, with sliding glass door access to deck. Cozy up by the fireplace this winter in the living room or finished basement. Finished basement also features the third full bathroom, laundry, as well as a fourth nonconforming bedroom with access to two car garage.

2300 Cougar Road, St Joseph

Listing courtesy of Clementine Horn of The Horn's Realty LLC.

$233,000

3 Beds ⋅ 3 Baths

Welcome to 1214 Safari Drive! This 3-bedroom, 3-bathroom ranch offers the convenience of single-level living with a functional layout and room to fit your needs. With all three bedrooms on the main level, this home offers an accessible flow that makes everyday living easy. Whether you're looking for space to settle in, room to entertain, or the opportunity to make a home your own, this property is full of possibilities. Don't miss your chance to see what this ranch has to offer and envision the potential waiting for you at 1214 Safari Drive!

1214 Safari Drive, St Joseph

Listing courtesy of Stroud & Associates Team of Real Broker, LLC.

$335,000

4 Beds ⋅ 3.5 Baths

Plenty of room to grow in this spacious 4-bedroom home, offering the convenience of all-level living! Featuring 4 generously sized bedrooms, including a huge primary suite with an oversized closet, 2 full bathrooms and 2 half baths. Enjoy plenty of space for everyone with two separate living rooms, a formal dining room, and a large kitchen complete with an island and breakfast bar. Step outside to a great deck, perfect for relaxing or entertaining, overlooking a fenced-in backyard. With so much space and functionality, this home has everything you need to make yourself at home!

4909 Woodfield Drive, St Joseph

Listing courtesy of BRANDON SALE TEAM of Keller Williams KC North.

$212,000

3 Beds ⋅ 2.5 Baths

A split-level elevation combines classic brick and vertical wood siding on a grassy lot, introducing this single-family residence in Saint Joseph. The exterior features a new shingle roof, an attached garage, and a porch, creating an inviting first impression on the 0.21-acre property. Inside the 1631.0-square-foot home, the floor plan contains three bedrooms, two full bathrooms, and one half bathroom. The kitchen is equipped with functional appliances including a dishwasher, a microwave, a refrigerator, and an electric range/oven. This one-story property is situated on a 8712.0-square-foot lot that offers outdoor space. The home provides a serene environment while keeping you connected to the surrounding Saint Joseph community. To experience this property firsthand, schedule a private tour today.

2102 North 35th Terrace, St Joseph

Listing courtesy of David Lau of BHHS Stein & Summers Real Estate.

$100,000

5 Beds ⋅ 3.5 Baths

**Investor Opportunity ** Exceptional investment opportunity! This distinctive property offers extensive renovations, unique character, and exciting potential for investors, renovators, or buyers looking to add value. Completed Improvements & Property Features: - One-layer roof with no leaks - Custom-built pillow wood windows - All plaster removed; new insulation and sheetrock - 900+ sq. ft. finished attic with can lights, new flooring, and expandable foam insulation - All-new electrical and can lights throughout - All-new PEX plumbing - Functional obsolescence addressed - Primary suite with walk-in closet and spa-style bath featuring a jetted tub - New closet in southwest bedroom - Full bathroom beneath the stairs on the ground floor - Third-floor half bath - Gourmet kitchen layout with walk-in pantry and French doors to the backyard - New tile in restrooms and laundry room - Second-floor laundry near bedrooms - Two 5-ton AC units serving the first and second floors - All flooring redone - Reconstructed second-floor hallway - Two gas fireplaces with new tile surrounds - Refurbished front porch with ceiling fans - Front porch rails and balusters sourced from salvage - Original trim preserved in basement - Pocket doors intact - New basement stairs - HVAC installed between rafters for a more usable basement - Tavern-style room in southeast parlor - First-floor office with recording booth and separate east entrance - Additional character features include custom stained glass With substantial work already completed, this property offers an opportunity to bring your vision to life and unlock its potential. Certain finishing materials and negotiable items, including pergola pillars, crown molding, and attic studio lockers, may be available. Buyer to verify square footage, room counts, permits, condition, and intended use. All information deemed reliable but not guaranteed. Property is being sold as-is.

2225 Jones Street, St Joseph

Listing courtesy of Luis Hidalgo of 1st Class Real Estate KC.

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64506 Homes with Conventional Financing

Newest 64506 Homes with Conventional Financing

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