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4527 NE 86th Ter, Kansas City, MO, 64156

4beds
4baths
2,700sqft
$575,000
$213price/sqft
$3,906/moest. monthly cost
$156,240/yrincome needed

About This Home

This 4-bedroom, 3.5 bath home combines modern design with timeless comfort. The open floor plan features a formal dining room, a spacious kitchen with a huge island, walk-in pantry, granite countertops, and wood floors. Bathrooms are finished with elegant tile, while the primary suite boasts a walk-in shower and relaxing soaker tub. With a 3 car garage and a backyard that opens to serene greenway views, this home is perfect for both everyday living and entertaining.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

7/10
9/10
Staley High SchoolGrades 9-121.3 mi
10/10
RISING HILL ELEMENTARYGrades PK-51.6 mi

Construction

Condition

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

Materials

  • Roof: Composition
  • Construction materials: Stone & Frame

Other

  • Builder name: OWENS BUILT HIGHLAND

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Stainless Steel Appliance(s)
  • Laundry features: Upper Level

Basement

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

Bathroom2

  • Features: Ceramic Tiles
  • Level: Second

Bathroom3

  • Features: Ceramic Tiles
  • Level: Second

Bedroom2

  • Features: Carpet,Walk-In Closet(s)
  • Level: Second

Bedroom3

  • Features: Carpet,Walk-In Closet(s)
  • Level: Second

Bedroom4

  • Features: Carpet
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Features: Carpet
  • Level: First

Features

  • Ceiling Fan(s),Kitchen Island,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,700

Great Room

  • Features: Carpet,Ceiling Fan(s),Fireplace
  • Level: First

Half Bath

  • Features: Ceramic Tiles
  • Level: First

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 2,700 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Pantry
  • Level: First

Master Bathroom

  • Features: Ceramic Tiles,Double Vanity,Granite Counters
  • Level: Second

Master Bedroom

  • Features: Carpet,Ceiling Fan(s),Walk-In Closet(s)
  • Level: Second

Property

Details

  • Parcel number: 141150010055.00

Features

  • Patio & porch: Patio
  • Spa features: Bath

Lot

  • Lot size: 9,031 sqft
  • Features: Adjoin Greenspace,City Lot,Cul-De-Sac

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
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado
Ice Storm
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 $2,907$34,884
Home Insurance *$286$3,432
Property Taxes $507$6,084
Electricity $206$2,474
Total$3,906$46,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,920/yr
40% on housing$117,180/yr
45% on housing$104,160/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 64156$215
Clay County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 64156$210
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
2026-06-12Listed for sale$575,000

New Construction

AgentJohn Simone
BrokerageReeceNichols-KCN

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