485 Waters Street, Holt, MO 64048
485 Waters Street is a 4-bed, 2.5-bath, 2,400 sq ft home in Holt, MO, listed at $399,900 on October 23, 2026. HouseLoop Vision saw colonial style, garage for three or more cars and covered front porch in its 34 listing photos (as of November 2, 2026).
$399,900
485 Waters Street, Holt, MO 64048
About this home
Timeless Historic Charm Meets Modern Comfort & Investment Potential! Welcome to this beautifully renovated 4-bed home in Holt, Missouri, where timeless 1870 character meets modern comfort! Offering approximately 2,400 square feet, 2 full bathrooms, 1 half bath, and a picturesque 0.65-acre lot, this inviting property features a detached 3-car garage with workshop space, generous outdoor living areas, and beautiful views of a neighboring babbling brook. Located at 485 Water Street, this charming home has been thoughtfully renovated to restore and preserve its natural historic appeal while incorporating tasteful modern updates. The welcoming atmosphere and spacious layout provide plenty of room for gathering, relaxing, and entertaining. Its blend of original character and updated comfort makes this a truly distinctive property. Step outside to enjoy the spacious back patio, inviting front porch, and beautiful level yard surrounded by mature trees. Take in the peaceful creek views, host outdoor gatherings, or simply unwind in the natural surroundings. The detached 3-car garage and workshop provide excellent space for vehicles, hobbies, storage, and projects. Currently operating as a short-term rental, this property benefits from its convenient proximity to nearby wineries, popular wedding venues, and several area golf courses. Its established rental use adds flexibility for buyers considering a primary residence, personal getaway, or investment opportunity. Additional land may also be available for purchase at an increased price. From its rich history and tasteful renovation to its relaxing outdoor spaces and versatile possibilities, this 4-bed home in Holt brings together the best of historic charm and modern living. Schedule your private tour of 485 Water Street today!
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 485 Waters Street, Holt, MO 64048 identified colonial style, garage for three or more cars, covered front porch, tall ceilings, fireplace and deck, plus 37 more features. The home is an active 4-bedroom, 2.5-bath, 2,400-square-foot single family residence listed for $399,900, MLS #2648438.
Key HouseLoop Vision features
- Open floor plan
- Kitchen island
- White kitchen
- Quartz counters
- Gas range
- Shaker cabinets
- Updated kitchen
- Kitchen backsplash
- Subway tile backsplash
- Black stainless appliances
- Gray countertops
- Tall ceilings
- Fireplace
- Hardwood floors
- Brick fireplace
- Wall of windows
- Recessed lighting
- Bedroom sitting area
- Walk-in closet
- Carpet
- Walk-in shower
- Private toilet room
- Tiled shower
- Double vanity
- White vanity
- Tub and shower combo
- Covered front porch
- Deck
- Big backyard
- Mature trees
- Composite deck
- Covered patio
- Driveway
- Gray roof
- Asphalt shingle roof
- White exterior
- Concrete driveway
- Siding exterior
- Concrete patio
- Flat lot
- Colonial style
- Garage for three or more cars
- Laundry cabinets
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bedroom 2
Bedroom 3
Bedroom 3
Bedroom 4
Bathroom 1
Heating
- Heating: Central Electric
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Microwave, Refrigerator, Free-Standing Electric Oven
- Laundry: Laundry Room
Features
- Features: Ceiling Fan(s), Custom Cabinets, Kitchen Island, Painted Cabinets, Vaulted Ceiling(s)
- Flooring: Carpet, Luxury Vinyl
- Basement: Partial
- Fireplace features: Wood Burn Stove
Interior area
- Finished area above ground: 2,400 sqft
- Finished area below ground: 0 sqft
- Total interior livable area: 2,400 sqft
Property
Parking
- Total spaces: 3
- Parking features: Detached
Lot
- Size: 0.65 Acres
- Features: City Lot, Level
- Patio & porch: Covered Patio, Porch
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Other
Condition
- Year built: 1880
- Age: 101 Years/More
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Covered Patio
Kitchen
- Kitchen Island
Interior
- Tall Ceilings
Layout
- Basement
Fireplace
- Fireplace
Garage & Parking
- Detached Garage
Financial & listing details
- Annual tax amount: $1,936 / yr
No HOA on this home.
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $1,936 | $29,910 |
| 2024 | $1,936 | $27,110 |
| 2023 | $1,853 | $27,110 |
| 2022 | $1,677 | $24,040 |
| 2021 | $1,678 | $24,040 |
| 2020 | $1,629 | $21,570 |
| 2019 | $1,629 | $20,976 |
| 2018 | $1,587 | $22,170 |
| 2017 | $1,716 | $22,180 |
| 2016 | $1,716 | $22,180 |
| 2015 | $1,716 | $22,180 |
| 2014 | $1,672 | $21,060 |
Your payment
Est. payment
$2,642/mo
Tour with a HouseLoop agent
Request a no-obligation tour with a local HouseLoop agent.
Where it’s at
Nearby schools
Kearney · HouseLoop school ratings
- Dogwood Elementary School5
- Kearney Middle School8
- Kearney High School9
Price & tax history
Myli is ready to help
Myli, your HouseLoop guide
Ask about this home, the neighborhood or what it costs to own.
She answers from HouseLoop’s own data.
Similar listings and the Holt market
Look throughout Holt, Missouri
There are currently 21 homes for sale in Holt, with 10 under contract. Homes here sell for a median of $440,000 and go under contract in a median of 31 days. This home is priced $40,100 below the Holt median.
Holt sits in Clay County, which covers 18 zip codes and 871 homes for sale. Nearby Kansas City is lower at $299,900 with more inventory.
Listed by EXP Realty LLC
Listed October 23, 2026 06:31 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2648438
HouseLoop last checked:
Listing updated:
$399,900
485 Waters Street, Holt, MO 64048
HouseLoop user activity
HouseLoop last checked:
About this home
Timeless Historic Charm Meets Modern Comfort & Investment Potential! Welcome to this beautifully renovated 4-bed home in Holt, Missouri, where timeless 1870 character meets modern comfort! Offering approximately 2,400 square feet, 2 full bathrooms, 1 half bath, and a picturesque 0.65-acre lot, this inviting property…
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 485 Waters Street, Holt, MO 64048 identified colonial style, garage for three or more cars, covered front porch, tall ceilings, fireplace and deck, plus 37 more features. The home is an active 4-bedroom, 2.5-bath, 2,400-square-foot single family residence listed for $399,900, MLS #2648438.
Where HouseLoop Vision saw them
Key HouseLoop Vision features
- Open floor plan
- Kitchen island
- White kitchen
- Quartz counters
- Gas range
- Shaker cabinets
- Updated kitchen
- Kitchen backsplash
- Subway tile backsplash
- Black stainless appliances
- Gray countertops
- Tall ceilings
- Fireplace
- Hardwood floors
- Brick fireplace
- Wall of windows
- Recessed lighting
- Bedroom sitting area
- Walk-in closet
- Carpet
- Walk-in shower
- Private toilet room
- Tiled shower
- Double vanity
- White vanity
- Tub and shower combo
- Covered front porch
- Deck
- Big backyard
- Mature trees
- Composite deck
- Covered patio
- Driveway
- Gray roof
- Asphalt shingle roof
- White exterior
- Concrete driveway
- Siding exterior
- Concrete patio
- Flat lot
- Colonial style
- Garage for three or more cars
- Laundry cabinets
See this home in person
Connect with a local HouseLoop agent to show you this home and answer your questions.
Pick a date
Pick a time
Checking tour times…
HouseLoop Mortgage Calculator
$2,642
Offer Insights
Choose an offer strength
$379,905 – $387,503
Estimated Sales Range
HouseLoop Home Value History
Already own a home?
What's your home worth?
Enter your address and I'll build your free report.
- Estimated value
- Estimated sales range
- Homes sold near you
No obligation · 100% free · 60 seconds or less
Property Details
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bedroom 2
Bedroom 3
Bedroom 3
Bedroom 4
Bathroom 1
Heating
- Heating: Central Electric
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Microwave, Refrigerator, Free-Standing Electric Oven
- Laundry: Laundry Room
Features
- Features: Ceiling Fan(s), Custom Cabinets, Kitchen Island, Painted Cabinets, Vaulted Ceiling(s)
- Flooring: Carpet, Luxury Vinyl
- Basement: Partial
- Fireplace features: Wood Burn Stove
Interior area
- Finished area above ground: 2,400 sqft
- Finished area below ground: 0 sqft
- Total interior livable area: 2,400 sqft
Property
Parking
- Total spaces: 3
- Parking features: Detached
Lot
- Size: 0.65 Acres
- Features: City Lot, Level
- Patio & porch: Covered Patio, Porch
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Other
Condition
- Year built: 1880
- Age: 101 Years/More
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Covered Patio
Kitchen
- Kitchen Island
Interior
- Tall Ceilings
Layout
- Basement
Fireplace
- Fireplace
Garage & Parking
- Detached Garage
HOA and Amenities
No HOA on this home.
Nearby schools
GreatSchools rating
- 5Dogwood Elementary School
- 8Kearney Middle School
- 9Kearney High School
Price history
Tax
- Annual tax amount: $1,936 / yr
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $1,936 | $29,910 |
| 2024 | $1,936 | $27,110 |
| 2023 | $1,853 | $27,110 |
| 2022 | $1,677 | $24,040 |
| 2021 | $1,678 | $24,040 |
| 2020 | $1,629 | $21,570 |
| 2019 | $1,629 | $20,976 |
| 2018 | $1,587 | $22,170 |
| 2017 | $1,716 | $22,180 |
| 2016 | $1,716 | $22,180 |
| 2015 | $1,716 | $22,180 |
| 2014 | $1,672 | $21,060 |
Similar listings and the Holt market
Look throughout Holt, Missouri
There are currently 21 homes for sale in Holt, with 10 under contract. Homes here sell for a median of $440,000 and go under contract in a median of 31 days. This home is priced $40,100 below the Holt median.
Holt sits in Clay County, which covers 18 zip codes and 871 homes for sale. Nearby Kansas City is lower at $299,900 with more inventory.
Questions buyers asked Myli about this home
Priya S. from Austin, TX ·
How do I schedule a tour of 485 Waters Street?
Myli · Oct 24, 6:11 AM ET
485 Waters Street is open for tours now. It is a 4 bed, 2.5 bath, 2,400 sqft home listed at $399,900.
Tap Tour this home to hold up to three times before you pick one.
Ben N. from Des Moines, IA ·
How do I get more information about 485 Waters Street?
Myli · Oct 25, 8:52 PM ET
It is a 4 bed, 2.5 bath, 2,400 sqft home listed at $399,900.
Ask Myli anything about this home right on this page.
Aisha K. from Atlanta, GA ·
Can I take a virtual tour of 485 Waters Street?
Myli · Oct 27, 5:09 AM ET
Not yet. 485 Waters Street doesn't have a video walkthrough posted with this listing. The photos and floor plan on this page are the best preview available right now.
Tap Tour this home and your HouseLoop agent will walk it live on video for you. If you can't make it in person.
How many homes are for sale near 485 Waters Street?
20 homes are currently for sale in 64048. More options nearby usually means more room to negotiate and more to compare this home against before you commit. Ask Myli to pull the closest matches by price and size. Tap Tour this home to see this one first.
What is the 64048 neighborhood like?
485 Waters Street sits in 64048. The median list here is $472,000, versus $489,000 across Holt, MO. Homes in 64048 go under contract in a median of 39 days, slower than Holt, MO as a whole. A tighter zip code inside a bigger city often trades a little on price for a lot on convenience. Ask Myli how 64048 compares to nearby zips. Tap Tour this home to see the block for yourself.
How much is the monthly payment for 485 Waters Street?
About $2,270 a month with 10% down at 6.5% over 30 years, before taxes and insurance. With this home's $1,936 tax bill and mortgage insurance folded in it lands near $2,640. Median sold price in 64048 is $440,000. This $399,900 list is right at it. Your real number moves with the down payment and rate you lock. Drag the sliders on this page. Tap Get pre-approved and Myli lines up a pre-approval.
How do I get pre-approved to buy 485 Waters Street?
Tap Get pre-approved. We send your request to the one local lender you pick. That lender answers you from their own phone number and email. It is a soft credit check only. A pre-approval is what turns "we're just looking" into a real number sellers take seriously. Especially in 64048, where sellers accept 98% of list on average. Tap Get pre-approved to get the process moving. Ask Myli what to expect first.
Can I negotiate the asking price for 485 Waters Street?
Yes. 485 Waters Street was listed on October 22, 2026. Sellers in 64048 accepted about 2% under list on average over the last 12 months across 47 sales. Your HouseLoop agent writes the offer with the recent sales in Holt sitting right beside it. You know before you sign whether you're negotiating from strength. Ask Myli or tap Ask a question to start.
What is a good offer for 485 Waters Street?
Sellers in 64048 accepted 98% of list over the last 12 months across 47 sales, median $440,000. Near $383,904 – $391,502 on this $399,900 list. The median home here took 39 days to go under contract. Most sellers aren't fielding three offers on day one. See the Offer Insights section on this page for the full range. What wins fast, what holds, where offers get ignored. Tap Ask a question and Myli writes the offer strategy with a HouseLoop agent the same day.
How do I make an offer on 485 Waters Street?
Making an offer on 485 Waters Street means putting a price, a timeline and your financing in writing. Along with any contingencies you want. Inspection, financing, or an appraisal gap clause if the market calls for one. Ask Myli "what should I offer" or tap Ask a question. Your HouseLoop agent prepares the offer and handles the contingencies, timing and paperwork with you, not for you.
What is the price per square foot for 485 Waters Street?
$167 per square foot ($399,900 over 2,400 sqft). Homes sold in 64048 over the same window went for a median of $211 per square foot. This home is priced well below that per-square-foot median. Price per square foot is the fastest way to compare this home to the next one you tour. See Offer insights below for how that stacks up against what's actually selling. Ask Myli to pull three more like it nearby.
How long has 485 Waters Street been on the market?
Listed on October 22, 2026. Homes in 64048 typically go under contract in 39 days. How long a home has been listed is the clearest early read on a seller's flexibility. It is worth checking back as this one's count grows. Tap ♥ to save it and HouseLoop will let you know the moment the price or status changes.
When was 485 Waters Street built?
485 Waters Street was built in 1880, so it is about 146 years old. A home's age shapes what an inspection tends to flag. Roof, HVAC and plumbing lifespans especially. Ask Myli what to expect from a home this age. Tap Tour this home to see the mechanicals in person.
How many bedrooms and bathrooms does 485 Waters Street have?
485 Waters Street is a home with 4 bedrooms and 2.5 bathrooms across 2,400 square feet. On a 0.65 acre lot, per the MLS record for this address. Bed and bath count is usually the first filter a buyer sets. It's worth confirming here before you compare this home to the next one. Ask Myli to pull three more nearby with the same layout. Tap Tour this home to walk the floor plan in person.
What is the lot size of 485 Waters Street?
0.65 acres (about 28,314 square feet), per the county record for 485 Waters Street. Lot size drives what you can add later. A pool, a shop, room to expand — more than the house itself does. Ask Myli how that compares to other lots in Holt. Tap Ask a question to find out what's allowed.
Does 485 Waters Street have a garage, a basement, air conditioning?
485 Waters Street has a 3-car garage and a partial basement, and electric cooling. Garage size and a finished basement are two of the fastest ways to add real living space without a remodel. Ask Myli if that trade-off makes sense for your search. Tap Tour this home to see it in person.
What are the floors made of in 485 Waters Street?
Carpet and Luxury Vinyl, per the MLS record for 485 Waters Street. Flooring type affects both upkeep and resale. Hard-surface floors show better in photos and hold up longer than carpet in high-traffic rooms. Ask Myli what buyers in Holt tend to prefer. Tap Tour this home to see it yourself.
What schools serve 485 Waters Street?
Dogwood Elementary School (5/10), Kearney Middle School (8/10), Kearney High School (9/10) in the Kearney district. Per GreatSchools' 1-10 ratings for this address. School assignment is one of the few things you can't change after closing. It's worth confirming before you tour. Ask Myli to pull the full attendance boundary. Tap Ask a question to double-check with the district.
Is 64048 a buyer's or a seller's market right now?
64048 is currently a balanced market, with about 5.1 months of supply. Homes there go under contract in a median of 39 days. That shapes how much room you have to negotiate and how fast you need to move. Ask Myli what that means for an offer on 485 Waters Street. Tap Ask a question for a HouseLoop agent's read on it.
What are the property taxes for 485 Waters Street?
Public records show about $1,936 a year (0.5% of the list price) for 485 Waters Street. Taxes can change on reassessment, especially after a sale. Property tax is folded into the payment estimate above. Drag the sliders in the HouseLoop Mortgage Calculator to see how a different assessment would change your monthly number. Tap Get pre-approved to ask a lender directly.
Are there HOA fees for 485 Waters Street?
No HOA is listed for 485 Waters Street, and public records show none recorded on this parcel. No HOA means more control over the property and no monthly fee. Also no shared maintenance budget for the roof, the street or the common areas. Ask Myli if that trade-off makes sense for you.
Is 485 Waters Street still for sale?
Yes — 485 Waters Street is active as of October 22, 2026. Tap Tour this home to see it in person this week. Ask Myli to run the numbers on financing and the neighborhood's recent sales first. If you want the full picture before you go. She can also pull the schools and taxes while you decide.
Can I share 485 Waters Street with someone?
Yes. Tap the share icon on this page to send 485 Waters Street by text, email, or straight to Facebook, X or WhatsApp. Whoever opens it lands on this exact page, photos and FAQ included, no login required to view. Ask Myli to summarize the home in a few lines you can paste yourself instead, if that's faster.
How do I follow the Holt market?
Tap ♥ on 485 Waters Street to get a text the moment its price or status changes. Search Holt on HouseLoop and tap Save search to hear about every new listing that matches. A saved search runs in the background and checks itself. You see a new listing the day it hits rather than a week later. Ask Myli to set one up for you in this conversation.
Can I ask a question about 485 Waters Street?
Yes. Ask her anything about 485 Waters Street right below this list: the price history, the schools, what a fair offer looks like. Or how it compares to what else is for sale in Holt. She reads the full listing record and this page's own market data before she answers. Hands off to a HouseLoop agent the moment a question needs one. Tap Ask Myli below to start.
The three asker names are examples. Every answer comes from this home’s listing record.
Listing data: Heartland MLS, distributed by MLS GRID. Market numbers: HouseLoop analysis of Heartland MLS data distributed by MLS GRID · over the last 12 months · Listing updated October 29, 2026 01:33 AM
This home's area
Popular searches in Holt, MO
Search nearby cities
Holt, MO homes for sale by zip code for sale · median sale · days to contract
HouseLoop analysis of Heartland MLS data distributed by MLS GRID · trailing 12 months. Median sale price: the median closed price among sold homes in that zip over the same window.
Counties homes for sale · median list price
Listed by EXP Realty LLC
Listed October 23, 2026 06:31 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2648438
HouseLoop last checked:
Listing updated: