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306 Settlers Cove, Kimberling City, MO, 65686

7beds
9baths
3,016sqft
$1,125,000
$373price/sqft
$6,895/moest. monthly cost
$275,800/yrincome needed

About This Home

Looking for a spacious lake retreat with plenty of room for everyone? This fully furnished 7-bedroom, 9-bathroom home delivers comfort, privacy, and beautiful views of Table Rock Lake in peaceful Kimberling City. Whether you're in the market for a move-in-ready residence, a vacation home for the family, or a rental investment, this property offers flexibility--with vacation rental approval already in place and no management restrictions.Each of the seven bedrooms includes its own private bathroom, giving everyone space to spread out and relax. The open-concept layout connects the living, dining, and kitchen areas, setting the scene for meals, conversations, and plenty of memory-making moments. Large windows and thoughtfully placed patios and decks make the most of the lake views, whether you're enjoying your morning coffee or winding down at sunset.Outside the front door, the community delivers a full line-up of amenities to keep guests and residents entertained. Take your pick from indoor and outdoor pools, float along in the lazy river, shoot hoops or play a match on the basketball and pickleball courts, check out the game room, or end your day gathered around the outdoor fire pit.If you're bringing lake toys, garages are available for purchase within the neighborhood to store your gear. Just around the corner, Port of Kimberling Marina has everything you need--boat and slip rentals, a launch ramp, fuel dock, marina store, and even a place to grab essential supplies when plans get spontaneous and packing gets skipped.Set in a charming lakeside community with local dining and shopping nearby, this home combines modern convenience with endless lake adventure. Whether you're settling in year-round or offering it up as a vacation rental, there's room--and opportunity--for everyone.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

9/10
5/10
Blue Eye Middle SchoolGrades 5-87.2 mi
8/10
Blue Eye High SchoolGrades 9-127.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence,Cabin

Interior

Appliances

  • Appliances included: Disposal,Free-Standing Electric Oven,Dryer,Washer,Exhaust Fan,Microwave,Refrigerator,Electric Water Heater
  • Laundry features: In Basement,W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Utility,Walk-Up Access,Finished,Full

Bathroom Half

  • Area: 26
  • Dimensions: 5.2 x 5

Bathroom Half

  • Area: 29.12
  • Dimensions: 5.2 x 5.6

Bedroom1

  • Area: 108.18
  • Dimensions: 10.11 x 10.7

Bedroom2

  • Area: 159.6
  • Dimensions: 11.4 x 14

Bedroom3

  • Area: 140.76
  • Dimensions: 10.2 x 13.8

Bedroom4

  • Area: 168.36
  • Dimensions: 12.2 x 13.8

Bedroom5

  • Area: 111.18
  • Dimensions: 10.2 x 10.9

Bedroom6

  • Area: 115.83
  • Dimensions: 11.7 x 9.9

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 9
  • Full bathrooms: 7
  • 1/2 bathrooms: 2

Features

  • High Speed Internet,Internet - Cable,Solid Surface Counters,Granite Counters,Vaulted Ceiling(s),High Ceilings
  • Window features: Blinds,Double Pane Windows
  • Flooring: Tile,Luxury Vinyl
  • Fireplace features: Living Room,Two or More,Glass Doors,Electric
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 1,127
  • Finished area above ground: 1,889

Game Room

  • Area: 428.18
  • Dimensions: 27.1 x 15.8

Heating & Cooling

  • Heating features: Heat Pump,Central,Fireplace(s),Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,016
  • Total interior livable area: 3,016 sqft

Laundry

  • Area: 12.18
  • Dimensions: 4.2 x 2.9

Laundry

  • Area: 6.96
  • Dimensions: 3.3 x 2.11

Living Room

  • Area: 382.8
  • Dimensions: 17.4 x 22

Loft

  • Area: 343.38
  • Dimensions: 17.7 x 19.4

Other

  • Area: 239.8
  • Dimensions: 22 x 10.9

Other

  • Area: 235.28
  • Dimensions: 17.3 x 13.6

Property

Details

  • Parcel number: 145.016000000013.015

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Indoor,Community,In Ground
  • Patio & porch: Covered
  • Exterior features: Rain Gutters,Drought Tolerant Spc,Tennis Court(s)
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: None
  • Has view: Yes
  • View description: Panoramic,Lake,Water
  • Has water view: Yes
  • Water view: Water,Lake

Lot

  • Features: Steep Slope,Sloped

Parking

  • Parking features: Parking Space

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Heat Wave
Inland Flooding
Lightning
Tornado
Winter Weather
Cold Wave
Hail
Landslide

FEMA Declared Disasters Across Missouri Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,688$68,256
Home Insurance *$565$6,780
Property Taxes $412$4,944
Electricity $230$2,763
Total$6,895$82,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$236,400/yr
40% on housing$206,850/yr
45% on housing$183,866/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 65686$213
Stone County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 65686
Stone County$183

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-07-08Listed for sale$1,125,000
2024-04-20Listing removed--
2024-04-14Price change$1,295,000
2023-10-21Listed for sale$1,350,000

For Sale by Agent

AgentParker Stone, Keller Williams Tri-Lakes
BrokerageKeller Williams Tri-Lakes

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