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528 Caldwell St, Excelsior Springs, MO, 64024

1beds
2baths
1,215sqft
$225,000
$185price/sqft
$1,680/moest. monthly cost
$67,200/yrincome needed

About This Home

Practically a brand-new home! This beautifully renovated property has been updated from top to bottom with exceptional attention to detail. Major improvements include a new roof, gutters, thermal windows, new electric lines/panel/exterior box, HVAC including duct work, water heater, plumbing lines, exterior and interior paint, interior and exterior doors, and all new interior trim along with carpet, flooring and lighting. The heart of the home is the stunning eat-in kitchen, featuring granite countertops, an oversized center island, all new cabinetry, stylish backsplash, new sink, faucet, garbage disposal, and abundant workspace perfect for gathering with family and friends. Every bathroom has been completely remodeled with new vanities, sinks, toilets, flooring, lighting, fixtures, and beautifully finished showers with new surrounds. The thoughtfully designed floor plan also offers the convenience of a main-level laundry room, large living room, main level bedroom and full bath. Upstairs, you'll find a big versatile bonus room, an open loft area, and a full bathroom creating the perfect private retreat for guests, multi-generational living, a home office, or a primary suite with non-conforming bedroom. When you are ready to unwind, the spacious, shaded front porch is perfectly positioned to take advantage of the home's elevated hillside setting and enjoy picturesque views overlooking the town. With nearly every major component replaced and stylish finishes throughout, this move-in-ready home offers the perfect combination of modern comfort, quality craftsmanship, and timeless appeal.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
Lewis Elementary SchoolGrades K-50.6 mi
5/10

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Shower Only
  • Level: First

Bathroom2

  • Features: Shower Only
  • Level: Second

Bedroom1

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Features: Carpet,Ceiling Fan(s)
  • Level: Second

Features

  • Ceiling Fan(s),Kitchen Island
  • Window features: Thermal Windows
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,215

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,215
  • Total interior livable area: 1,215 sqft

Kitchen

  • Features: Kitchen Island
  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Loft

  • Features: Carpet
  • Level: Second

Property

Details

  • Parcel number: 123110011010.00

Features

  • Patio & porch: Porch

Lot

  • Lot size: 5,227 sqft
  • Features: City Lot

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
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado

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 $1,137$13,644
Home Insurance *$204$2,448
Property Taxes $198$2,376
Electricity $141$1,693
Total$1,680$20,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,600/yr
40% on housing$50,400/yr
45% on housing$44,800/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

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 64024$144
Clay County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 64024$155
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
2026-08-01Listed for sale$225,000
2025-11-24Sold--
2015-06-17Listing removed$7,490
2015-06-06Price change$7,490
2015-04-10Price change$23,900
2015-02-09Price change$26,900
2015-01-26Listed for sale$7,000
2008-05-02Listing removed$29,900
2008-04-05Listed for sale$29,900
2006-09-13Sold--

For Sale by Agent

AgentLinda Terrell Mazan
BrokerageBHG Kansas City Homes

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