65355 Homes with USDA Loan Financing

Welcome to the charming community of Warsaw, Missouri, nestled in the heart of Benton County. The zip code 65355 encompasses a vibrant area teeming with natural beauty and a strong sense of community. Known for its picturesque landscapes and friendly atmosphere, Warsaw is an ideal place for families, retirees, and anyone looking to embrace a slower pace of life while still enjoying modern conveniences.

One of the standout features of homes in the 65355 zip code is the availability of USDA loan financing. This means that many properties in the area qualify for this fantastic program, making homeownership more accessible to those who meet the eligibility requirements. USDA loans are designed to help low-to-moderate-income families purchase homes in rural areas, offering zero down payment options and competitive interest rates. This makes it an attractive choice for first-time home buyers and those seeking to settle in a serene, rural environment.

In Warsaw, you can find a diverse range of homes, from cozy cottages to spacious family residences, all set against the backdrop of stunning lakes and rolling hills. The local community is rich in history, with charming shops, delightful eateries, and plenty of recreational activities, including fishing, boating, and hiking.

If you're looking for a place that combines the warmth of small-town living with the benefits of modern amenities, 65355 is the perfect destination. Discover your dream home in Warsaw today, and take advantage of the incredible opportunities that USDA financing provides!

Newest 65355 Homes with USDA Loan Financing

$325,000

2 Beds ⋅ 2 Baths

This home is truly one-of-a-kind! Lovingly and custom built with the principles of country living is evident from the moment you step inside. Right off a paved road. Upgraded HVAC, so the expensive heating and cooling bills are gone! Energy efficient GEOTHERMAL HEAT PUMP with central air. Two bedrooms are on the main floor. The third bedroom is non-conforming which makes it a great flex space to meet whatever needs you may have. Lots of storage space in the walkout basement. And that’s just inside the house! The property features 9 acres with absolute privacy. 100's of trees to ensure there isn’t a neighbor in sight! Location situated perfectly for enjoying all the wildlife that also call this property home or pass through each year. For the hunters and animal observers alike, set a deer stand mount at the edge of the woods to enjoy just outside your door. DETACHED garage that we all dream about. It's huge 36'x24' space with tons of built-in cabinets and full power. A large shed 14' wide x 20' deep can also hold a car or some adult toys! There is a 2nd shed for a lawn tractor and more storage. ***You’ll never want to leave the property!!!

31379 McLaughlin Avenue, Warsaw

Listing courtesy of Brian Wood of Realty Executives.

$349,900

4 Beds ⋅ 3.5 Baths

Welcome home to this spacious 1.5-story home tucked away on a quiet dead-end street in the heart of Warsaw! Situated on a rare double lot totaling approximately 0.53 acres, this 4-bedroom, 3.5-bath home offers the perfect combination of privacy, space, and functionality. Inside, you'll find a versatile floor plan with plenty of room for family and guests. Step outside to enjoy the expansive double-level back deck—perfect for entertaining, grilling, or simply relaxing while overlooking the backyard. Additional features include an attached 2-car garage, a storage shed for all your outdoor equipment, and a whole-home generator for added peace of mind during any season. Whether you're looking for your forever home or a weekend retreat near Truman Lake and the Ozarks, this property checks all the boxes.

1519 Shady Lane, Warsaw

Listing courtesy of Kelli Vann of Homes by Darcy LLC.

$189,900

2 Beds ⋅ 1 Baths

Escape to your ultimate lake retreat with this charming two-bedroom, one-bath cabin designed for effortless, relaxed living. The bright and inviting open-concept floor plan seamlessly connects the kitchen, dining, and living areas, making the home feel spacious and perfect for entertaining. Moving past the main living space, a convenient on-site garage provides secure parking and excellent storage for your water toys and outdoor gear. The true highlight of this property is its exceptional outdoor living design, starting with a breezy, screened-in porch where you can sip your morning coffee or unwind after a day on the water completely bug-free. This space extends naturally onto an adjoining sun deck that is ideal for summer barbecues, while the surrounding yard features a dedicated fire pit area perfect for stargazing and roasting marshmallows under the night sky. Boaters will especially appreciate the incredible convenience of a community boat launch located just a short walk from the front door. Tucked away in a serene, quiet lake community, this home offers the perfect blend of peaceful privacy and easy accessibility, sitting just 11 miles from the vibrant dining, shopping, and festivals at downtown Warsaw and Drake Harbor. Whether you are looking for a lucrative vacation rental, a peaceful weekend getaway, or a cozy year-round permanent home, this property is ready to let you start enjoying the lake life immediately.

29194 Serene Avenue, Warsaw

Listing courtesy of Kenneth Hoyle of Anstine Realty & Auction, LLC.

$650,000

4 Beds ⋅ 3 Baths

Country calm meets everyday comfort. Welcome to 17795 Stoney Creek Ln, Warsaw, MO your chance to enjoy peaceful living with room to breathe. Tucked away in a quiet setting, this property offers privacy, space, and that hard-to-find sense of escape, all just a short drive from town and Lake of the Ozarks. Whether you’re sipping coffee on the porch, hosting friends, or soaking in the quiet, this home delivers the slower pace so many are craving. Full-time living, weekend retreat, or investment opportunity this one check all the boxes.

17795 Stoney Creek Lane, Warsaw

Listing courtesy of Samantha Slayden of Homes by Darcy LLC.

$549,000

3 Beds ⋅ 2.5 Baths

Welcome to another stunning masterwork by renowned builder Jim McGovern. This property delivers sophisticated elegance, top tier craftmanship and rock-solid reassurance of a home built to last. Expansive main living areas designed for effortless daily flow and grand entertaining. Rich trim, high ceilings and beautiful millwork throughout. At the heart of this designer kitchen is a large center island with quartz countertops, offering generous prep space & an expansive walk-in pantry. Modern matte black fixtures & custom soft close cabinetry, while an open-concept layout flows effortlessly into the sunlit dining area and living areas. Escape to the stunning main level primary suite with relaxing soaker tub & expansive custom walk-in closet. The primary closet has easy access to the laundry room. Also on the main level, you will find a mudroom featuring custom cabinetry & a half bath. The lower level features a spacious family room, a convenient kitchenette area, two beautiful additional bedrooms and a full bathroom, all complimented by tons of storage space. Home features an upper composite covered deck and a lower concrete patio create space for outdoor fun & separate zones for relaxing &dining. Main level three car garage for maximum parking. All this on a beautifully treed 1/2 acre lot with dual access, perfect for adding an outbuilding. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. This one won't last, make your appointment now!! Its time, buy that Lake house!

1110 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.

$335,900

3 Beds ⋅ 2.5 Baths

So many new updates in this beautiful 3 bdrm 2 1/2 bath home on an acre! Located in the wonderful lake community of Tebo Woods! Just around the corner from Thibaut Point Park on the shores of TRUMAN LAKE! Known for its world class fishing & boating. This charming lake home boasts of vaulted ceilings, spacious open floorplan with new luxury vinyl flooring in the main living areas. Beautiful walk-through kitchen with tons of cabinet space. Two nice size bedrooms on the main and a large main floor bath. Just off the kitchen, is a peaceful screened in porch to enjoy your morning coffee & watch the sun come up before heading out to the lake. Lower level walk-out includes large family room with dining area, large guest bedroom full bath & 1/2 bath with laundry. Just outside the lower level is a large patio, so guests can have their own private retreat. The two levels make it possible for two families to enjoy this home as a lake get away. The home features a large covered front porch and fully paved driveway for extra guest parking or to maneuver the boat into the expansive 28x32 upper garage. The large garage also features a lower level for mowers, tractors or lake toys. The Tebo Woods community has a private lake for fishing or kayaking. Come and enjoy this wonderful lake home! Just minutes from the award winning lake community of Warsaw, MO. Hurry! This one won't last!

26019 Sharon Lane, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.

$246,900

3 Beds ⋅ 2 Baths

Every now and then, a home comes along that simply feels like the right place to slow down and enjoy life. Tucked into the Paradise Point community, this inviting 3-bedroom, 2-bath home blends modern updates with the relaxed lifestyle that draws so many to the Truman Lake area. The open floor plan creates an easy gathering space, while the kitchen features butcher block countertops, stainless steel appliances, and thoughtful finishes that add warmth and character. The main-level primary bedroom offers daily convenience, while 2 additional bedrooms and a bathroom upstairs provide flexible space for guests, hobbies, and more. Outside, the detached garage offers ample space for vehicles, tools, and all the gear that comes with lake living. With community access to a boat ramp at the 84 MM of Lake of the Ozarks, a swim area, and Truman Lake just moments away, weekends can be as adventurous, or as peaceful, as you choose. This isn't just a home near the lake…it's a place to enjoy the lifestyle that comes with it.

23142 Salley Drive, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.

$595,000

3 Beds ⋅ 3.5 Baths

Perfectly situated in the gorgeous Truman Lake town of Warsaw, MO. Voted one of the top lake towns in the state of Missouri! This exquisite 3 brm 3 1/2 bath home has been meticulously crafted by Jim McGovern Homes, consistently celebrated for exceptional craftmanship & timeless design. The seamless open floorplan ensures guests can mingle across areas without feeling left out. The main living area boasts of hardwood floors, stone gas fireplace & soaring ceilings. A highly optimized kitchen is complete with custom cabinets, beautiful quartz counters & pantry. Rare 3 suite layout. This home features 3 large master bedrooms with ensuite & walk-in closet. Two on the main floor & one in the lower level walk-out. Other features include main floor 1/2 bath, large mudroom & laundry room with beautiful custom cabinetry. Wonderful covered porch with maintenance free composite decking. Lower level showcases spacious family room with kitchenette, 3rd master suite, bath, three large storage rooms & a 16x16 unfinished room for 4th bedroom or golf cart garage. Lower level seamlessly flows out to an expansive patio with plenty of room for entertaining. This gorgeous lake home is ideal for multiple families with its ability for communal entertaining and private retreats. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. Its time, buy that Lake house! You won't regret it!!

1104 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.

$399,900

3 Beds ⋅ 4 Baths

Experience one of the most breathtaking, year-round views of Truman Lake from this move-in ready home just outside Warsaw, MO. Situated on just over 2 acres, this rare property combines panoramic lake views, privacy, and just under 3,000 finished square feet… an exceptional combination that's hard to find. The open-concept living space was designed to capture the incredible scenery, with expansive windows that fill the living, dining, and kitchen areas with natural light and showcase the lake in every season. Two main-level bedrooms each feature private en-suite bathrooms. The finished walkout lower level offers a spacious second living area, an additional bedroom and a full bathroom, providing flexible space for guests, a home office, recreation, or hobbies. The wooded lakeside setting and mature trees create a peaceful, secluded atmosphere, while three garage spaces and abundant parking provide room for vehicles, boats, and lake toys. The home is all electric, fully turnkey, and ready for immediate enjoyment. A rented marina boat slip is available to transfer to the new owner if desired, and for those ready to embrace lake life from day one, the current boat lift and boat are also available for purchase separately at closing. Opportunities to own a property offering this level of privacy, acreage, move-in-ready condition, and truly breathtaking year-round Truman Lake views are few and far between.

11045 Foothills Lane, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.

$99,900

3 Beds ⋅ 1 Baths

Own this 3-bedroom, 1-bathroom ranch-style home nestled on a spacious 0.96-acre lot. With approximately 1,248 square feet of comfortable living area, this property features an attached 1-car garage which provides an opportunity for additional space for storage and other purposes. Located in Warsaw, the lot gives closer to nature scenery.

31700 Jules Trail, Other

Listing courtesy of Michael Zouglas of REO Xpress LLC.

$649,900

5 Beds ⋅ 3.5 Baths

Experience the best of lake living in this beautifully maintained 5-bedroom, 3.5-bath lakefront home, perfectly positioned on the quiet, family-friendly end of Lake of the Ozarks and just 5 minutes from downtown Warsaw. Built in 2021, this spacious 3,156 sq ft property offers three separate living areas and abundant sleeping space—ideal for large families, guests, or vacation rental potential. Located on a peaceful dead-end road and tucked into a serene cove, the home features a private dock and subdivision boat ramp access. The gently sloped yard provides effortless, no-stair access straight into the lake—perfect for kids, guests, and easy lake days. Inside, you’ll find engineered hardwood flooring, granite countertops, soft-close cabinetry, a generous walk-in pantry, gas cooktop, and exceptional storage throughout. The main living area is warm and inviting with a custom gas fireplace and expansive windows showcasing natural light and lake views from two sides. The additional living spaces can easily be converted into more sleeping quarters, allowing the home to comfortably accommodate 20+ people. The exterior is equally impressive with low-maintenance metal siding and roofing, composite wrap-around decking, mature landscaping, large shade trees, and a spacious concrete patio—perfect for outdoor dining or evenings around the fire pit. Enjoy lake days from your private dock and take advantage of the attached 2-car garage plus a 30x40 detached shop offering ample room for boats, lake toys, and equipment. This home is served by Southwest Electric Cooperative and was built with energy efficiency in mind. The owners’ average electric bill over the past 12 months is just $150.50, an exceptional value for a home of this size. Additional Features: • Dual-fuel HVAC system • Mini-split unit upstairs • 2x6 exterior walls • Hot tub hookup • Large concrete parking pad • Private neighborhood boat ramp • Excellent closet and storage space throughout

31745 Sleigh Lane, Warsaw

Listing courtesy of Eddie Davis of Orenda Real Estate Services.

$232,000

2 Beds ⋅ 1 Baths

Welcome to your Lake of the Ozarks retreat! This fully updated 2 bedroom cabin comes with a MASSIVE shop/garage perfect for storing your toys! Spend the day on the water with the community boat ramp and dock, located in a quiet cove right off the main channel. Spend summer nights under the cover of your private back deck, overlooking the lush tree line, or sit under the stars on the patio next to the fire. Concerned about the crawl space? Don't be! It's tall enough to stand in and even has extra storage space! This lake home will leave you wanting nothing more (other than more time to spend in it)! Book your appointment today!

28865 Plum Street, Warsaw

Listing courtesy of Justin Dean 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