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16900 S Highland Ridge Dr, Belton, MO, 64012

5beds
6baths
9,891sqft
$4,500,000
$455price/sqft
$29,992/moest. monthly cost
$1,199,680/yrincome needed

About This Home

An architectural masterpiece rising from the shoreline, this iconic Loch Lloyd estate expertly fuses glass and stone to create the stunning effect of living within the landscape itself. The great room is a true "wow", anchored by a monumental, two-story stone fireplace and a soaring wood-plank cathedral ceiling. Tucked behind this massive hearth is a secret: a spiral staircase that climbs through the stone to a glass-walled lookout tower, and up even further to a deck atop the home, offering the most exclusive lake views in the community. Every level is designed to invite the outside in with walls of glass on all sides.The kitchen, featuring a secondary butler’s kitchen and seamlessly open to the great room, serves as the central hub for entertaining on the main level. The primary suite includes heated floors and a private loft. The primary bath is a serene spa-like setting with heated floors, dual vanities, a soaring vaulted ceiling, and separate tub and shower. The walk-out lower level is built for grand-scale hosting, centered around a massive family room with a fireplace, full bar and a full second kitchen. A passenger elevator offers ease of movement for people and entertaining equipment. This level also includes four additional bedrooms, two baths, and a second laundry room with dog wash station. Step down to a second lower level which features a large media/rec room plus a massage room for ultimate wellness. The grounds are a sensory and entertaining masterpiece with five tiered decks, an outdoor kitchen, firepit, cascading waterfall spilling into a koi ponds and custom outdoor art works scattered throughout the incredibly landscaped and wooded 2.5 acres. Despite the wow factor of the home, practicality abounds with features including a whole-house generator, new tile roof, and a 4-car garage. A rare harmony of nature and refined design, this landmark home built by Harry Loyd offers something special to enjoy in every season.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
Belton High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Tile
  • Construction materials: Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Humidifier,Refrigerator,Gas Range,Stainless Steel Appliance(s)
  • Laundry features: Lower Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement BR,Finished,Full,Sump Pump,Walk-Out Access

Bedroom2

  • Features: Carpet
  • Level: Lower

Bedroom3

  • Features: Carpet
  • Level: Lower

Bedroom4

  • Features: Carpet,Natural Stone Floor
  • Level: Lower

Bedroom5

  • Features: Carpet
  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Family Room

  • Features: Fireplace,Natural Stone Floor,Wet Bar
  • Level: Lower

Features

  • Ceiling Fan(s),Central Vacuum,Kitchen Island,Elevator,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
  • Window features: Skylight(s)
  • Flooring: Carpet,Tile
  • Number of fireplaces: 3
  • Fireplace features: Family Room,Gas,Great Room,See Through,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 2,640
  • Finished area above ground: 7,251

Great Room

  • Features: Ceiling Fan(s),Fireplace,Natural Stone Floor
  • Level: First

Heating & Cooling

  • Heating features: Natural Gas,Zoned
  • Cooling features: Electric,Zoned

Interior Area

  • Total structure area: 9,891
  • Total interior livable area: 9,891 sqft

Kitchen2Nd

  • Features: Quartz Counter
  • Level: Lower

Loft

  • Features: Carpet,Ceiling Fan(s)
  • Level: Upper

Master Bathroom

  • Features: Double Vanity,Natural Stone Floor,Separate Shower And Tub
  • Level: First

Master Bedroom

  • Features: Natural Stone Floor
  • Level: First

Recreation Room

  • Features: All Carpet
  • Level: Basement

Property

Details

  • Parcel number: 8000627

Features

  • Patio & porch: Deck,Patio
  • Exterior features: Balcony,Fire Pit,Outdoor Kitchen
  • On waterfront: Yes
  • Waterfront features: Lake Front,Pond,Spring(s)

Lot

  • Lot size: 2.63 Acres
  • Features: Acreage

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $22,754$273,048
Home Insurance *$3,371$40,452
Property Taxes $3,112$37,344
Electricity $755$9,063
Total$29,992$359,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,028,297/yr
40% on housing$899,760/yr
45% on housing$799,786/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$455This listing

vs Other Active Listings

Avg $/sqft

ZIP 64012$166
Cass County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 64012$176
Cass County$175

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)

Price History

DateEventPrice
2026-02-27Listed for sale$4,500,000
2018-04-02Sold--

For Sale by Agent

AgentKristin Malfer
BrokerageCompass Realty Group

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