64507 Homes with FHA Financing

Welcome to the charming zip code 64507, nestled in the heart of St. Joseph, Missouri, within Buchanan County. This vibrant community offers a delightful blend of historical charm and modern conveniences, making it an ideal place for families, professionals, and retirees alike.

St. Joseph is renowned for its rich history, being the starting point of the Pony Express and home to numerous historical landmarks. Residents of 64507 enjoy a variety of amenities, including beautiful parks, local shops, and a thriving arts scene. The area boasts excellent schools and a strong sense of community, making it a wonderful place to raise children or enjoy a peaceful retirement.

For homebuyers, the 64507 zip code presents an exciting opportunity, particularly for those considering FHA financing. The Federal Housing Administration (FHA) loan program makes homeownership more accessible, allowing buyers to secure a mortgage with lower down payment requirements and more flexible credit guidelines. This is especially beneficial for first-time homebuyers or those looking to invest in their first property in this welcoming neighborhood.

The housing market in 64507 features a diverse range of homes, from charming historic properties to modern builds, catering to various tastes and budgets. With the added advantage of FHA financing, potential homeowners can explore a multitude of options to find their dream home in this thriving community.

Discover the warmth and hospitality of St. Joseph, MO, in the 64507 zip code—where your perfect home awaits!

Newest 64507 Homes with FHA Financing

$342,500

5 Beds ⋅ 2 Baths

Beautiful 5-bedroom ranch with room to grow—perfect blend of single-level convenience and spacious living. This light-filled home features a floor plan that flows from a welcoming entry into two generous living areas ideal for everyday life and entertaining. The well-appointed kitchen offers ample counter and cabinet space and easily accommodates casual dining. Five comfortable bedrooms provide flexible options for family, guests, or a home office. The primary suite is a private retreat. Hardwood runs through the main living areas, adding warmth and character. Step outside to a lovely screened-in back deck—an ideal spot for morning coffee, summer meals, or bug-free evenings with guests. The large yard gives plenty of room for play, gardening, or future expansion.

2820 Scott Street, St Joseph

Listing courtesy of Tyson Huff-Garza of The St.Joe Real Estate Group,.

$250,000

5 Beds ⋅ 3 Baths

Your new house is 100% move-in ready. Nothing to repair or replace. All appliances and furniture are included. Fully renovated 5-bedroom, 3-bathroom home with an above ground pool in the back and five off-street parking spaces. Newer furnace and ductwork, new 55 gallon electric hot water heater, new PEX water lines, new PVC sewer drains, 200 Amp breaker box, nearly all new vinyl windows, refinished hardwood floors, new vinyl flooring, high quality paint from top to bottom inside and out, dual stoves both electric and gas, dual washers and dryers, solid painted foundation, newer roof, aluminum siding, trim, fascia and gutters with vinyl soffits, two brand new upstairs bathrooms with tile tub surrounds and hardwired smoke/carbon monoxide detectors throughout. This property is ideal to be used either as a single-family residence or an investment property. As an investment property it could be rented out as a Long Term rental, AirBNB or a PadSplit/Room Rental location. Located in one of the beautiful neighborhoods of Saint Joseph. Clean and safe street only a half block from Bartlett Park and two blocks from Parkway Elementary. Arguably the best park and elementary school in town. (What’s Special) • Excellent neighborhood with a quiet and desirable setting • Located proudly on the crest of a hill, offering natural elevation and excellent drainage • Rainwater naturally flows away from the home in every direction, helping protect the foundation • Rock solid foundation providing strength, stability, and long-term peace of mind • Exceptionally clean and dry basement that stays dry year round • Stucco coated basement walls and clean painted concrete flooring create a bright, usable space for storage, hobbies, or a workshop • Basement has been fully maintained with painted walls and surfaces from top to bottom (Community) Enjoy being within walking distance of: • Parkway Elementary & Central High • Bartlett Park • Parkway walking trail • Disc golf course

2922 Sacramento Street, St Joseph

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

$249,900

3 Beds ⋅ 1.5 Baths

This home is located on a corner lot with 2 driveways,(side driveway goes into the back yard and is large enough to park a camper on) large back yard with a privacy fence and 2 large gazebo's that cover the patio. There are also 2 sheds, one with electricity waiting on the next handy man. The inside of the home features 2 wood burning brick fireplaces with an open floor plan. Beautiful hand crafted walnut countertop on the bar area of the nice size kitchen with all appliances staying. There are wood accents thru out the home making this home feel very cozy and welcoming. Windows and doors (including the closet doors) thru out the house have been replaced within the past 7 years, along with new flooring. A home you must see!

3601 Doniphan Avenue, St Joseph

Listing courtesy of Crickett O'Day of UNITED COUNTRY PROPERTY SOLUTI.

$315,900

4 Beds ⋅ 3 Baths

CHECK OUT THIS WELL MAINTAINED 4 BEDROOM 3 BATH HOME.. FAMILY ROOM WITH FIREPLACE ,, 3 BED AND BATH SITUATED AT ONE END .. OFF THE FAMILY ROOM IS A FULL DRESSED KITCHEN GRANITE COUNTERS ALL APPLIANCES STAY..OFF THE KITCHEN IS PRIVATE OFFICE /STUDY EXIT DOOR TO THE SIDE.. TO THE BACK IS A PRIMARY SUITE WITH ITS OWN PRIVATE BATH.. IN THE BASEMENT COULD BE USED .. LOWER LEVEL LIVING QUARTERS. PERFECT PRIVATE AREA GAME ROOM OR ADDITIONAL FAMILY SPACE. WORK SHOP ATTACHED TO BASEMENT GARAGE .. ALL NEWER PAINTS GREAT COLORS. THRU OUT. 1/4 ACRE YARD GREAT FOR ENTERTAINING CAR PORT ATTACHED

1309 S 35 Street, St Joseph

Listing courtesy of Gregg Lowrance of UNITED COUNTRY PROPERTY SOLUTI.

$155,000

Don't miss out on this duplex that is primed and ready to add to your rental portfolio. With recent updates throughout, this low-maintenance property is a strong investment opportunity with immediate cash flow potential. The upper unit offers 2 bedrooms and 1 bathroom, while the lower unit features 1 bedroom, 1 bathroom. Both units have been updated with new luxury vinyl plank flooring, include private back decks, and are separately metered for electricity, helping keep operating costs tenant-friendly. A detached two-car garage provides off-street parking or additional storage for your tenants. Conveniently located with quick access to Highway 36 and Highway 29, this is a true turnkey investment with excellent rental appeal. Selling as-is. End buyers only. No wholesalers or assignable contracts.

2808 Sacramento Street, St Joseph

Listing courtesy of Leroy Cooper of Lifestyles Realty Missouri, INC.

$495,000

3 Beds ⋅ 2.5 Baths

Enjoy the quiet on the southeast edge of town in this true ranch style home on a private drive bordering Copper Hill. This all-level living home sits on just over an acre with beautiful views of green hillsides and a tree lined border in the back yard. This family home leaves nothing for concern or consideration. Meticulously maintained by current owners with added blown in 16 inch insulation, a roof and gutter system less than 3 years old, propane furnace and whole house humidifier (with a well maintained and sturdy heat pump) less than 3 years old, stainless steel kitchen appliances less than 4 years old and washer and dryer for new owners to enjoy less than 5 years old. This all to add peace of mind for you to enjoy your new home.

6306 Highway 169 Highway SE, St Joseph

Listing courtesy of Elisabeth Peter of Top Line Realty LLC.

$130,000

2 Beds ⋅ 1 Baths

Welcome home to this charming 2-bedroom, 1-bath ranch featuring gorgeous hardwood flooring that adds warmth and character throughout. Relax and unwind on the inviting front porch, perfect for enjoying your morning coffee or evening sunsets. With its functional layout and cozy feel, this home offers comfortable one-level living and is ready for its next owner to make it their own. Don't miss your opportunity to see this delightful home!!

3209 Mitchell Avenue, St Joseph

Listing courtesy of Fidelity RE Group of Keller Williams KC North.

$189,000

5 Beds ⋅ 2 Baths

Spacious 5-bedroom, 2-bath home offering a flexible layout perfect for owner-occupants, multi-generational living, or investors. With full kitchens on both the main and upper levels and laundry hookups on each floor, this property is well-suited for a variety of living arrangements. Inside, you'll find generous living spaces, abundant natural light, and five well-sized bedrooms providing plenty of room for family, guests, or home office space. The dual-kitchen configuration offers exceptional convenience and opens the door to potential income-producing opportunities.

2706 Penn Street, St Joseph

Listing courtesy of Joshua Campbell of Platinum Realty LLC.

$155,000

4 Beds ⋅ 1 Baths

Come see this charming 4 bedroom bungalow located in the heart of St. Joe! This property features a new roof and new fence both in 2024 and HVAC only 1 year old! And for kitchen and laundry, you'll also find newer appliances that stay with the home. Electronic locks will also provide security and convenience. With a full basement and detached garage, you'll have plenty of storage space. Schedule your showing today!

2402 Mitchell Avenue, St Joseph

Listing courtesy of The Rare Group of KW KANSAS CITY METRO.

$435,000

3 Beds ⋅ 2 Baths

Schedule your showing today for this beautiful 3-bedroom level ranch at the edge of town with quick access to dining, shopping, and highways, scheduled to be completed Mid-September! Newly built, approximately 1,700 sq ft, this open-concept home features a spacious kitchen, dining, and living area with abundant cabinetry, hard-surface counters, a dining island, and included appliances. A walk-through laundry room connects directly to the primary bedroom closet for added convenience. Home also includes a dedicated office for working from home or quiet tasks and a three-car attached garage for ample parking and storage. Act quickly to select siding and interior colors. HOA covers mowing, snow removal, and trash for a low monthly fee — ideal for low-maintenance, relaxed living.

4810 S Creek Woods Drive, St Joseph

Listing courtesy of Robin RICKERSON of REECENICHOLS-IDE CAPITAL.

$159,900

3 Beds ⋅ 1 Baths

Completely remodeled and move-in ready! Major updates include new HVAC, roof, siding, gutters, windows, plumbing, and electrical. Inside, enjoy updated finishes and modern systems throughout. Outside features include a new concrete patio and walkway, deck, newly installed fencing on two sides, and off-street parking. Ideal for buyers seeking a low-maintenance, turnkey home with the peace of mind that comes from extensive recent improvements. Conveniently located in St. Joseph with easy access to shopping, dining, schools, and major commuter routes. Nothing left to do but move in and enjoy!

1207 S 23rd Street, St Joseph

Listing courtesy of Elishia Carrillo of Realty ONE Group Cornerstone.

$199,000

3 Beds ⋅ 1 Baths

Welcome to 1816 South 40th! BACK ON THE MARKET AT NO FAULT OF THE SELLER! Enjoy outdoor living at its finest with your very own master balcony, walkout deck, and descending river rock koi pond! Sitting on nearly half an acre and located just down the street from Missouri Western this home has been thoughtfully updated to check as many boxes as possible! This newly updated three bed one bath home boasts numerous upgrades all completed in 2026: New roof New soft close kitchen drawers and cabinets New granite countertops New tile backsplash New stainless-steel appliances New stainless-steel kitchen sink New interior and exterior doors Sliding barn door into the master bedroom New light fixtures New pex water lines Fresh paint throughout the interior of the house Nearly all new windows Refreshed hardwood floors Refinished ceramic tile floors New mulch, paving stones, pebble rock, and river rock New blinds Updates to the recreational out-building Updates to lower-level enclosed sunroom Refinished trim And the list goes on... Don't miss your chance! Schedule your showing today!

1816 S 40th Street, St Joseph

Listing courtesy of Zachary Sweat of BHHS Stein & Summers Real Estate.

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