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426 Benton Ave, Excelsior Springs, MO, 64024

3beds
2baths
1,380sqft
$189,000
$137price/sqft
$1,433/moest. monthly cost
$57,320/yrincome needed

About This Home

If you’ve been waiting for something with personality—something that doesn’t feel like every other listing out there—this one’s going to hit different. Right in the heart of Excelsior Springs’ historic district in the Saratoga Addition, this 1920 bungalow brings together the charm you want with the updates you need: 3 bedrooms, 2 fully redesigned baths, and 1,380 square feet of living space with hardwood floors throughout (no carpet anywhere). The kitchen has been completely refreshed with new stainless appliances and cabinets, and it flows easily into the rest of the home, making it perfect whether you’re cooking a quick meal or having people over. You’ll notice the thoughtful balance of old and new right away—historic windows kept where required, thermal pane updates where allowed, plus central air to keep things comfortable year-round. Outside, you’ve got a manageable 4,792 square foot lot, a detached garage, and off-street parking—which is a big win in a historic neighborhood like this. And the location? Just minutes from downtown Excelsior Springs, where you can grab dinner, explore local shops, or jump into community events without going far. It’s not just updated—it’s intentional, full of character, and the kind of place you don’t come across very often.

Getting Around

44
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: 1920

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Cellar

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 1,380

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,380
  • Total interior livable area: 1,380 sqft

Property

Details

  • Parcel number: 123120018020.00

Lot

  • Lot size: 4,792 sqft

Parking

  • Parking features: Detached,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
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Tornado
Lightning
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 $955$11,460
Home Insurance *$171$2,052
Property Taxes $166$1,992
Electricity $141$1,693
Total$1,433$17,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,131/yr
40% on housing$42,990/yr
45% on housing$38,213/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

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 64024$145
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
2026-05-07Price change$189,000
2026-04-09Price change$199,000
2026-02-26Listed for sale$210,000

For Sale by Agent

AgentMartin Taggart
BrokerageLPT Realty LLC

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