909 W 81st St, Kearney, NE, 68845
About This Home
This property offers a well-located rural residential setting on a large 2.504± acre lot (per Buffalo County Assessor), just outside Kearney. The home includes four bedrooms and three full bathrooms, providing a functional layout with ample living space both inside and out. The home includes approximately 1,564 square feet of living space and is situated on a spacious acreage with room for a variety of potential uses. The main level features three bedrooms, including a primary bedroom with an ensuite bathroom, his-and-her sinks, tub/shower, and walk-in closet. A second full bathroom with tub/shower serves the additional main-floor bedrooms. The home also includes a two-car attached garage. A natural gas fireplace is located in the main living area (maintenance needed). The basement offers a large living area, abundant storage, and an additional bedroom and full bathroom with tub/shower. Additional features include underground sprinklers, a domestic well, septic system, multiple exterior hydrants (some non-operational).
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Roof: Asphalt
- Construction materials: Frame,Brick Siding,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Oven
Basement
- Area: 1564
Basement
- Has basement: Yes
- Basement: Full,Finished,Bedrooms(1),Bathrooms(1)
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Flooring: Carpet,Laminate,Tile
- Number of fireplaces: 1
- Fireplace features: Propane Stove
- Fireplace: Yes
- Finished area above ground: 1,564
Heating & Cooling
- Heating features: Natural Gas,Forced Air,Zoned
- Cooling features: Central,Zoned
Interior Area
- Total structure area: 3,128
Kitchen
- Features: Galley,Laminate Counters
Property
Details
- Parcel number: 000000000.0000001001.000
- Lease amount: 0
Features
- Stories: 1
Lot
- Lot size: 2.50 Acres
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
- Lightning
- Strong Wind
- Ice Storm
- Tornado
- Winter Weather
- Heat Wave
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Nebraska 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 | $2,523 | $30,276 |
| Home Insurance | $444 | $5,328 |
| Property Taxes | $603 | $7,236 |
| Electricity | $124 | $1,493 |
| Total | $3,694 | $44,328 |
Income You'd Need if You Spent...
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 |
|---|---|---|
| 2026-01-02 | Listed for sale | $645,000 |
View on Zillow