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13630 Clover Ct, Kearney, MO, 64060

4beds
4baths
2,581sqft
$662,632
$257price/sqft
$4,550/moest. monthly cost
$182,000/yrincome needed

About This Home

The Hawthorn II is a thoughtfully designed 1.5-story home offering 4 bedrooms and 3.5 baths with a main-level primary suite. A front flex room provides versatility for a home office, dining room, or den, while the open great room features a fireplace and large windows that connect seamlessly to the kitchen and dining area. The kitchen is designed for everyday living and entertaining with hardwood floors throughout main floor ,custom cabinetry, a large island, quartz countertops, and a walk-in pantry. A spacious mudroom and laundry area provide excellent storage and organization. The private owner’s suite is located on the main level and features a spa-like bath with dual vanities, a large tile shower, and a generous walk-in closet. Upstairs includes three secondary bedrooms, two full bathrooms, and a large loft or family room—perfect for a second living area, play space, or study zone. The unfinished walkout basement opens to an oversized patio, while a covered deck off the main level includes stairs leading down, creating multiple outdoor living spaces. Additional highlights include an I-joist floor system and double-wall construction for added strength and performance. Hearthside Homes offers an enhanced warranty program with year-one workmanship coverage, year-two mechanical systems coverage, and ten-year major structural defect coverage. Each home is also independently inspected prior to closing, including cosmetic and mechanical inspections, a video sewer line inspection, and professional HVAC duct cleaning. Prairie Field is a new home subdivision in the Liberty School District (Liberty North High School) boundaries. Subdivision amenities include trails and infinity edge pool with splash pad. Some photos may be of other similar properties - there is still time to pick a color if you act quick!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

7/10
Heritage Middle SchoolGrades 6-83.9 mi
9/10
Liberty North High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Frame,Stone Trim,Wood Siding

Other

  • Builder model: Hawthorne II
  • Builder name: Hearthside Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Exhaust Fan,Microwave
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Custom Cabinets,Kitchen Island,Painted Cabinets,Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,581

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,581
  • Total interior livable area: 2,581 sqft

Property

Details

  • Parcel number: 114190008009.00

Features

  • Patio & porch: Deck

Lot

  • Lot size: 0.27 Acres
  • Features: Adjoin Greenspace

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
Severe Storm
Straight Line Winds
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 $3,350$40,200
Home Insurance *$418$5,016
Property Taxes $585$7,020
Electricity $197$2,365
Total$4,550$54,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$156,000/yr
40% on housing$136,500/yr
45% on housing$121,333/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 64060$220
Clay County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 64060$188
Clay County$168

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
2026-02-16Listed for sale$662,632

New Construction

AgentThe Small Team
BrokerageReeceNichols-KCN

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