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16108 Plattsburg Rd, Kearney, MO, 64060

5beds
6baths
6,200sqft
$1,875,000
$302price/sqft
$12,794/moest. monthly cost
$511,760/yrincome needed

About This Home

Set on nearly five acres just outside of town, this Kearney estate checks every box and then adds a few you didn’t know you needed. Inside, the main living space opens into a layout that feels open and intentional. The living room, dining area, and kitchen flow together seamlessly, anchored by hardwood floors and natural light. A fireplace with custom built-ins adds a focal point.The kitchen is built for real life and gatherings. Granite countertops, custom cabinetry, double wall ovens, and an oversized island make prep and hosting easy. A walk-in pantry keeps everything tucked away. The main level offers flexibility with a front room that can serve as a bedroom, formal dining space, or office. Two additional bedrooms share a well-designed bath with separate vanity areas. The primary suite is set apart, featuring a large walk-in closet and spa-like bath with soaking tub, tiled shower with dual heads, and double vanity. Laundry and a half bath complete the level. Downstairs, the finished lower level is built for hosting. A full wet bar with a large island opens into a second living area with its own fireplace. A private bedroom and bath make it ideal for guests or multi-generational living, along with a half bath and flexible space for a gym, office, or sixth non-conforming bedroom. Storage is extensive, with a suspended slab design offering approximately 55x31 of storage space, plus an additional 21x11 area that also functions as a secure storm shelter. The six-car attached garage provides plenty of space, and the detached 50x60 shop adds even more with its own office, bathroom, car wash, and paint bay, plus an unfinished upper level. Built with intention, the home features structural beams for wide open spaces, twelve-foot ceilings on both levels, geothermal heating, and energy-efficient windows. Mineral rights convey with the property, including oil and water discovered during the geothermal process and registered with the Missouri Department of Natural Resources.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
7/10
Kearney Middle SchoolGrades 6-73.0 mi
9/10
Kearney High SchoolGrades 10-124.1 mi

Construction

Condition

  • Year built: 2011

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 3
  • 1/2 bathrooms: 3

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Recreation Room
  • Fireplace: Yes
  • Finished area below ground: 2,700
  • Finished area above ground: 3,500

Heating & Cooling

  • Heating features: Other
  • Cooling features: Electric

Interior Area

  • Total structure area: 6,200
  • Total interior livable area: 6,200 sqft

Property

Details

  • Parcel number: 074040002001.02

Lot

  • Lot size: 4.79 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Tornado
Inland Flooding
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 $9,481$113,772
Home Insurance *$1,184$14,208
Property Taxes $1,656$19,872
Electricity $473$5,681
Total$12,794$153,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$438,651/yr
40% on housing$383,820/yr
45% on housing$341,173/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

$302This listing

vs Other Active Listings

Avg $/sqft

ZIP 64060$219
Clay County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 64060$188
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
2026-04-16Listed for sale$1,900,000

For Sale by Agent

AgentNelson Home Group
BrokerageKeller Williams KC North

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