




95 M St, Lake Lotawana, MO, 64086
About This Home
If you have been looking for serious space, exceptional garage capacity, and the Lake Lotawana lifestyle, this property delivers a combination that is hard to find. The spacious main home offers seven bedrooms and five bathrooms, giving you flexibility for a large household, multi-generational living, home offices, hobbies, or frequent guests. For buyers with cars, boats, lake toys, tools, or a need for workshop space, this property stands out. There is an attached two-car garage on the main level, an additional one-car garage in the basement, plus a separate building with room for approximately two more vehicles. That means space for everyday vehicles, a boat, golf cart, collector cars, recreational equipment, storage, or a dedicated workshop. Above the additional building is finished living space that could work well for extended family, a mother-in-law suite, adult children, guests, a private office, studio, or overflow space. Buyers may also want to explore its potential as a rental or income-producing space, subject to local requirements and approvals. Situated on approximately 0.4 acres and backing to a peaceful open field, the property offers privacy and breathing room while keeping you close to boating, fishing, swimming, community activities, and the greater Kansas City area. With seven bedrooms, five bathrooms, garage space for approximately five vehicles, workshop potential, and flexible finished space above the additional building, this is more than a lake house—it is a property with room for your family, your hobbies, and your lifestyle.
Getting Around
Schools
Construction
Condition
- Year built: 1987
Materials
- Roof: Composition
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator
Basement
- Has basement: Yes
- Basement: Concrete,Finished,Walk-Out Access
Bathroom2
- Features: Shower Only,Solid Surface Counter,Wood Floor
- Level: First
Bathroom3
- Features: Shower Over Tub,Wood Floor
- Level: Second
Bathroom4
- Features: Shower Only,Wood Floor
- Level: Second
Bathroom5
- Features: Ceramic Tiles,Double Vanity,Shower Over Tub,Solid Surface Counter
- Level: Second
Bedroom2
- Features: Carpet
- Level: First
Bedroom3
- Features: Wood Floor
- Level: First
Bedroom4
- Features: Wood Floor
- Level: Second
Bedroom5
- Features: Wood Floor
- Level: Second
Bedroom6
- Features: Wood Floor
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 7
- Bathrooms: 5
- Full bathrooms: 5
Features
- Kitchen Island,Walk-In Closet(s)
- Flooring: Carpet,Wood
- Number of fireplaces: 1
- Fireplace features: Kitchen,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 4,192
Heating & Cooling
- Heating features: Electric,Natural Gas
- Cooling features: Electric
Interior Area
- Total structure area: 4,192
- Total interior livable area: 4,192 sqft
Master Bathroom
- Features: Ceramic Tiles,Double Vanity,Granite Counters,Separate Shower And Tub
- Level: First
Master Bedroom
- Features: Carpet,Walk-In Closet(s)
- Level: First
Other
- Features: Carpet
- Level: Second
Property
Details
- Parcel number: 59210053600000000
Features
- Patio & porch: Deck,Patio
Lot
- Lot size: 0.40 Acres
Parking
- Total spaces: 5
- Parking features: Attached,Basement,Detached,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 5
- Covered spaces: 5
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
- Hail
- Heat Wave
- Tornado
- Cold Wave
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,437 | $41,244 |
| Home Insurance * | $478 | $5,736 |
| Property Taxes | $640 | $7,680 |
| Electricity | $320 | $3,841 |
| Total | $4,875 | $58,500 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Price change | $649,900 |
| 2026-06-11 | Price change | $679,900 |
| 2026-05-12 | Listed for sale | $699,900 |
| 2026-04-07 | Listing removed | $825,000 |
| 2026-03-02 | Listed for sale | $825,000 |
| 2026-01-31 | Listing removed | $790,000 |
| 2025-12-08 | Price change | $790,000 |
| 2025-11-20 | Price change | $835,000 |
| 2025-11-06 | Listed for sale | $850,000 |
| 2018-08-27 | Listing removed | $595,000 |
| 2018-07-09 | Price change | $595,000 |
| 2018-05-16 | Listed for sale | $650,000 |
