64507 Homes with FHA Financing

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

$229,900
4 Beds ⋅ 3 Baths
Beautifully remodeled 4 bed, 3 bath with a master on the main level AND a master on the upstairs level!! Main floor laundry! Over 1,800 square feet with a detached garage! There is NOTHING to be desired in this one! A spacious living room PLUS a formal dining room! EVERYTHING is new in this one....down to the studs! Lovely stainless kitchen appliances! A kitchen that a cook will LOVE!!! Be sure and schedule your showing to see this one in person....I PROMISE you won't be disappointed!!

2634 Olive Street, St Joseph

Listing courtesy of Kris Smith of Keller Williams KC North.
$164,900
3 Beds ⋅ 2 Baths
This 3-bedroom, 2-bath home combines one-level living with updates throughout and plenty of space inside and out. Completely remodeled during prior ownership, the home features stainless steel appliances and an updated interior. Outside, you'll find a private yard, off-street parking and a detached 2-car garage with alley access. The home is also close to area schools and the St. Joseph Parkway system, with parks and trails nearby.

2718 Mary Street, St Joseph

Listing courtesy of Julie Hesselmann of Realty ONE Group Cornerstone.
$105,000
3 Beds ⋅ 1 Baths

815 S 21st Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$4,900

1202 24th Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$209,000
4 Beds ⋅ 2 Baths

2722 Seneca Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$209,000
4 Beds ⋅ 2 Baths

3419 Seneca Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$450,000
3 Beds ⋅ 3 Baths
An Amazing Property Awaits You and Your Family! Located on the outskirts of St. Joseph in the desirable Mid-Buchanan School District, this property sits on 2 stunning acres. It features a family swimming pool and a large tri-level composite deck, offering the privacy of country living while still being just minutes away from city amenities and highway access. Welcome to 6 Delaney Drive! This custom-built tri-level home boasts 3 bedrooms and 3 full baths. The main level includes a spacious dine-in kitchen that opens to the main living area. Cozy up in the living area with the large bay windows and custom fireplace. The kitchen also provides direct access to your beautiful backyard oasis, complete with views of your swimming pool and the scenic countryside. The master suite includes a full bathroom and opens onto a walkout deck leading to your fantastic backyard retreat. Two additional bedrooms offer plenty of space for your family, along with another full bath in the hallway. The lower level of the home features a cozy family rec room with a fireplace. This level also includes a full bath, a storage area, and access to the garage. The large two-car garage offers ample space for your vehicles, and a separate detached garage provides additional storage, vehicle parking, or space for your extra toys. As an extra convenience to the buyer, all appliances stay with this property! You will love this retreat, and you’ll be ready to call it your home sweet home!

6 Delaney Drive, St Joseph

Listing courtesy of Melissa Winn of Top Property Realty, LLC.
$1,175,000
5 Beds ⋅ 5.5 Baths
Welcome to this impressive reverse-ranch home tucked away at the end of the road, where a beautiful backyard view is framed by mature trees. Offering 5 bedrooms, 4 full and 2 half bathrooms, this thoughtfully designed home combines exceptional entertaining spaces with comfortable everyday living. A welcoming circle drive alongside the main driveway provides convenience and impressive curb appeal. Inside, warm wood floors, wooden ceiling beams and a dramatic floor-to-ceiling fireplace with built-in shelving create an inviting yet elevated living space. A dedicated main-level office provides a comfortable and private place to work from home. Designed for entertaining, the kitchen features two islands, granite countertops, a commercial-size refrigerator, double ovens, dishwasher and beverage refrigerator. The spacious butler’s pantry offers even more prep and storage space with its own sink and second dishwasher. The expansive lower level is an experience of its own. South-facing windows fill the space with natural light, while an impressive wet bar with an island rivals many full-size kitchens. Four bedrooms, 3 full bathrooms, 1 half bathroom and an incredible recreation area provide plenty of room for guests, extended family and unforgettable gatherings. Step outside onto the composite deck or relax beside the fireplace on the covered, screened-in porch while taking in the peaceful tree line view. A four-car garage with one being a suspended garage you can house your lawnmower and use for extra along with the suspended front porch add even more versatility to this exceptional property. With generous living spaces, distinctive architectural details and a private end-of-the-road setting you'll enjoy privacy without sacrificing convenience—less than one mile from highway access and under 10 minutes from dining, entertainment and more this remarkable St. Joseph home deserves to be experienced in person, before someone else calls it home.

3 Mission Hills Drive, St Joseph

Listing courtesy of Carma Goin of United Real Estate Kansas City.
$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 BHG Kansas City Homes.
$595,000
4 Beds ⋅ 3.5 Baths
Located just south of St Joseph in the Mid-Buchanan school district. This brick all electric solar powered home features 4 bedrooms, 3 full & 1 half baths, open kitchen to family rm, formal dinning rm, main fl laundry, main fl office, beautiful Oak hardwood floors and all solid wood doors & trim on the main fl. There is an exterior door to a deck off of the primary bedroom, the deck is 1 year old. The basement has a large family rm with a built in safe, wood fireplace with an abundant supply of oak ready for use, a non-conforming bedroom, a full bath and a craft rm that could be converted into a sm 6th bedroom if wanted and a 7'6"x16' storage room. The basement garage is 31'x36' irr and has room for a 3rd car or motorcycles. There are 2 septic tanks that service the home, the main one was cleaned out in 2021. The main floor master bathtub & sink is day-lighted into the yard. There is a beautiful large covered deck (16'x28') w/beautiful views off of the kitchen/family rm. Covered front porch, mature pin oak trees and a very nice cement drive & parking. This all electric home & detached garage is also serviced w/solar panels that are paid for in full. The total cost for electricity for the past 12 months has been just a little over $300. The detached garage is (58'6"x22'6") & could possibly hold up to 6 cars tandem, it has its own heat source, overhead door and walk-in door. There is a recent land survey marked with orange stakes showing the home is on 1.04 acres. Roof is 1 year. There is a well on the property but it was disconnected long ago due to the mineral build up in lines, all water lines were replaced throughout the home. The horse post & hanging dragon fly do not stay with the property. All appliances including washer and dryer to stay but excluded from inspections. All measurements are MOL. United Fiber is available in front of home. There is also an old root cellar in the back yard. It needs repairs but is there if someone wanted to fix it up and use it.

8201 SE 371 Highway, St Joseph

Listing courtesy of LISA ROCK of RE/MAX PROFESSIONALS.
$849,300
5 Beds ⋅ 4.5 Baths
PREMIUM PROPERTY- A Rare Opportunity in Today's Market, Residing in Coveted River Ridge Estates. Experience elevated living in this stunning contemporary estate designed for comfort, sophistication, and entertaining. Situated on a private, landscaped lot, this spacious five bedroom residence offers expansive indoor and outdoor spaces with over 4,600 square foot premium finishes throughout. -Grand two-story entry foyer with designer chandelier -Open concept living and dining areas with floor-to-ceiling windows -Gourmet Chef’s Kitchen featuring custom cabinetry, oversized Island, and premium appliances -Luxurious primary suite with spa-in-spired bathroom, and custom walk-in closet -5 Bathrooms -Hand crafted recreational area -Sam Church wood flooring featuring walnut inlays -Home office and fitness room. -Low maintenance exterior -Private Acreage with Beautiful Sunsets. This Scenic location features Beautifully maintained Homes, Mature Landscaping, and a True Sense of Community. Whether you're looking to grow your family or find a tranquil escape from the city, this home offers the ideal setting. Neighborhood atmosphere is warm, welcoming, and full of pride. Conveniently located near schools, shopping, and major transit routes, a perfect balance of serenity and accessibility.

2350 River Ridge Road, St Joseph

Listing courtesy of Jim McMillian of Coldwell Banker General Property.
$225,000
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.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use