610 Water St, Holt, MO, 64048
About This Home
Welcome to 610 Water Street, a charming 2-bedroom, 1-bathroom home in the Kearney School District that's ready to make your own. Located on a spacious lot on a quiet street, enjoy your mornings on the inviting front porch with a cup of coffee as you watch the day begin. Step inside to a cozy living room that flows seamlessly into the dining area. Just off the dining room, the updated kitchen offers easy access to the enclosed back porch overlooking the backyard. Down the hall, you'll find the spacious primary bedroom with two closets for added storage, a second bedroom, and a full bathroom. Outside, the backyard provides room to play, garden, or gather, complete with two sheds for all your tools and storage needs. Conveniently located in Holt with the benefit of Kearney schools, this home offers a wonderful balance of charm, practicality, and potential. Be sure to also check out MLS #2602290 at 606 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: 1960
Materials
- Roof: Metal
- Construction materials: Metal Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: Slab
Bathroom1
- Features: Luxury Vinyl,Shower Over Tub
- Level: Main
- Area: 36
Bedroom2
- Features: Luxury Vinyl
- Level: Main
- Area: 72
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Features: Luxury Vinyl
- Level: Main
- Area: 63
Enclosed Porch
- Level: Main
- Area: 91
Features
- Flooring: Luxury Vinyl
- Finished area below ground: 0
- Finished area above ground: 1,000
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,000
- Total interior livable area: 1,000 sqft
Kitchen
- Features: Luxury Vinyl,Pantry
- Level: Main
- Area: 99
Living Room
- Features: Luxury Vinyl
- Level: Main
- Area: 190
Master Bedroom
- Features: Luxury Vinyl
- Level: Main
- Area: 216
Property
Details
- Parcel number: 039140013008.00
Features
- Patio & porch: Porch
Lot
- Lot size: 0.33 Acres
Parking
- Parking features: Other
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 | $884 | $10,608 |
| Home Insurance * | $101 | $1,212 |
| Property Taxes | $154 | $1,848 |
| Electricity | $141 | $1,693 |
| Total | $1,280 | $15,360 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Price change | $179,000 |
| 2026-02-17 | Listed for sale | $190,000 |
| 2025-12-15 | Listing removed | $195,000 |
| 2025-11-20 | Price change | $195,000 |
| 2025-10-09 | Listed for sale | $200,000 |
| 2025-10-09 | Listing removed | $200,000 |
| 2025-09-26 | Listed for sale | $200,000 |
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