5341 N SPRUCE Avenue

**BACK ON THE MARKET — NO FAULT OF SELLER!** Here’s another opportunity to own this charming 1.5-story home at **$239,000**! Even better, the home recently received an **FHA appraisal of $255,000 with NO appraisal-required repairs**, giving buyers an incredible opportunity at the current asking price. > > Featuring **3 bedrooms, 2 full bathrooms and a 1-car garage**, this home is filled with character, including beautiful hardwood floors, a cozy fireplace, formal dining room and a wonderful screened porch perfect for relaxing. The main level offers two bedrooms and an updated full bathroom, while the upper level provides a spacious third bedroom and second full bath. The kitchen offers plenty of cabinet space, stainless appliances, and a convenient adjoining laundry area. > > **BIG-TICKET IMPROVEMENTS ARE COMING!** The seller’s insurance company has approved a **NEW ROOF AND GUTTERS**, giving the next owner even more peace of mind. > > And here’s something buyers will definitely want to ask about: **UMB currently offers a 100% conventional financing program for qualified buyers — NO DOWN PAYMENT and NO PMI!** That could mean purchasing this home with significantly less cash out of pocket while also saving money each month by eliminating private mortgage insurance. > > At **$239,000 with a recent $255,000 FHA appraisal, no appraisal-required repairs, an approved new roof and gutters, and a potential 100% financing option**, this home deserves another look. **Schedule your showing today!**