606 Water St, Holt, MO, 64048
About This Home
Welcome home to this beautifully updated 2-bedroom, 1-bath gem in the highly sought-after Kearney School District! Tucked away on a spacious lot on a quiet street, this charming home perfectly blends modern updates with small-town charm. Step inside to a bright and welcoming living room that flows seamlessly into the dining area—ideal for entertaining or cozy family dinners. The gorgeous kitchen features stylish tile backsplash, a farmhouse sink, new cabinetry, a pantry, and a convenient attached mudroom with access to the driveway. Just outside the kitchen door, you'll find the added peace of mind of an above-ground storm shelter, offering safety and easy access. The main floor also includes the laundry room and bathroom. Upstairs, you’ll find two comfortable bedrooms offering peaceful retreats. Outside, enjoy a country feel with plenty of space for a garden, yet just minutes from the highway for easy commuting and access to nearby amenities. This move-in-ready home combines comfort, style, and convenience—all in one perfect package! Be sure to also check out MLS #2602293 at 610 Water Street, located right next door—an incredible opportunity to purchase two neighboring properties. Buy one and make the other an investment property, start your rental portfolio, or create a perfect setup for multigenerational living or a mother-in-law quarters arrangement.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Refrigerator,Gas Range,Washer
- Laundry features: Laundry Room,Main Level
Basement
- Basement: Crawl Space,Slab
Bathroom1
- Features: Luxury Vinyl,Shower Over Tub
- Level: Main
- Area: 40
Bedroom1
- Features: Ceiling Fan(s)
- Level: Upper
- Area: 143
Bedroom2
- Features: Ceiling Fan(s)
- Level: Upper
- Area: 169
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Features: Luxury Vinyl
- Level: Main
- Area: 100
Features
- Flooring: Luxury Vinyl,Wood
- Finished area below ground: 0
- Finished area above ground: 1,113
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Electric
Interior Area
- Total structure area: 1,113
- Total interior livable area: 1,113 sqft
Kitchen
- Features: Luxury Vinyl,Pantry
- Level: Main
- Area: 143
Laundry
- Features: Luxury Vinyl
- Level: Main
- Area: 35
Living Room
- Features: Luxury Vinyl
- Level: Main
- Area: 182
Other
- Features: Luxury Vinyl
- Level: Main
- Area: 65
Property
Details
- Parcel number: 039140013007.00
Features
- Patio & porch: Porch
Lot
- Lot size: 0.26 Acres
Parking
- Parking features: Off Street
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
- Hail
- Heat Wave
- Tornado
- Inland Flooding
- Winter Weather
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 | $1,289 | $15,468 |
| Home Insurance * | $148 | $1,776 |
| Property Taxes | $225 | $2,700 |
| Electricity | $141 | $1,693 |
| Total | $1,803 | $21,636 |
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 |
|---|---|---|
| 2026-04-16 | Price change | $259,000 |
| 2026-02-17 | Listed for sale | $269,000 |
| 2025-12-15 | Listing removed | $275,000 |
| 2025-11-20 | Price change | $275,000 |
| 2025-10-31 | Listed for sale | $280,000 |
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