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189 Notch Lane #1 BLDG 21, Reeds Spring, MO, 65737

4beds
4baths
2,436sqft
$435,000
$179price/sqft
$2,761/moest. monthly cost
$110,440/yrincome needed

About This Home

Turnkey 4-bedroom, 4-bath short-term rental designed for group bookings and strong income potential in the highly desirable Notch Estates. This rare configuration comfortably accommodates large families and multiple groups, featuring a dedicated bunk room with three full sets of bunks, spacious gathering areas, and a flexible layout that allows guests to spread out while still feeling connected. You can even self-manage! This property has over 50 5-star reviews. This home would be ideal for someone looking for a turnkey income-producing vacation rental or to use as a part-time residence while renting it out when you're not there! NO STEPS to access to the front as well as the back lower level. You can lock the lower level off and rent it separately. It even has boat parking right beside the unit. Notch Estates has 2 pools, basketball court, playground, and a nature trail that leads to a catch and release private lake. This is a very special and rare STR on the market right now!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

--
3/10
5/10
Reeds Spring High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1994

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Cooktop,Dryer,Washer,Refrigerator,Microwave,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Fireplace: Yes
  • Finished area below ground: 1,218
  • Finished area above ground: 1,218

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,436
  • Total interior livable area: 2,436 sqft

Property

Details

  • Parcel number: 124.020000000004.170

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Deck

Parking

  • Total spaces: 1
  • Parking features: Covered
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Strong Wind
    Strong WindVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $2,199$26,388
Home Insurance *$217$2,604
Property Taxes $159$1,908
Electricity $186$2,232
Total$2,761$33,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,662/yr
40% on housing$82,830/yr
45% on housing$73,626/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 65737$201
Stone County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 65737
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)

Price History

DateEventPrice
2026-01-30Listed for sale$435,000

For Sale by Agent

AgentKelly Worley
BrokerageEXP Realty, LLC.

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