495 Main Street, Holt, MO 64048
$455,000
495 Main Street, Holt, MO 64048
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Est. payment
$2,885/mo
Price & tax history
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Where it’s at
Nearby schools
Kearney · HouseLoop school ratings
- Dogwood Elementary School5
- Kearney Middle School8
- Kearney High School9
Similar listings and the Holt market
Look throughout Holt, Missouri
There are currently 19 homes for sale in Holt, with 11 under contract. Homes here sell for a median of $450,000 and go under contract in a median of 39 days. This home is priced $5,000 above the Holt median.
Holt sits in Clay County, which covers 18 zip codes and 904 homes for sale. Nearby Kansas City is lower at $299,000 with more inventory.
Listed by EXP Realty LLC
Listed October 23, 2026 05:34 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2648389
HouseLoop last checked:
Listing updated:
About this home
Historic Beauty, Modern Updates, and Incredible Income Potential! Welcome to this stunning 4-bed home in Holt, Missouri, where historic character meets modern comfort and versatility! Built in 1883, this beautifully renovated 2,150-square-foot home features 4 bedrooms, 2 bathrooms, a separate guest carriage house, and a gorgeous 0.46-acre setting alongside a peaceful creek. Offered at $455,000, this property presents a unique opportunity for homeowners and investors alike. Located at 495 Main Street, this charming home has been thoughtfully renovated to maintain its historic Craftsman-inspired character while incorporating high-end finishes and modern conveniences. From the welcoming interior to the adorable custom built-in bunk beds in the upstairs bedrooms, every detail adds personality and appeal. A basement provides convenient additional storage. One of the property's standout features is its separate, fully updated carriage house, complete with a bedroom, full bathroom, full kitchen, and washer and dryer. Offering approximately 720 square feet of finished living space, this versatile guest residence is perfect for visitors, extended stays, or potential rental income. The carriage house previously generated $1,500 per month in long-term rental income, and the property is currently operated as Airbnb accommodations. Outside, you'll fall in love with the beautiful yard, mature trees, and soothing sounds of the neighboring creek. The spacious 0.46-acre lot offers wonderful opportunities for outdoor gatherings, relaxing evenings, and enjoying nature. Ample driveway parking and convenient access to nearby wineries add to the property's appeal. Whether you're seeking a distinctive primary residence, a property with guest accommodations, or an investment opportunity, this 4-bed home in Holt delivers historic beauty, modern updates, and exceptional flexibility. Schedule your private tour of 495 Main Street today!
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 495 Main Street, Holt, MO 64048 identified covered front porch, open floor plan, main-floor primary bedroom, corner lot, mature trees and hardwood floors, plus 23 more features. The home is an active 4-bedroom, 2-bath, 2,150-square-foot single family residence listed for $455,000, MLS #2648389.
Kitchen · HouseLoop Vision: open floor plan · photo not confirmed
Bathrooms · HouseLoop Vision: walk-in shower · photo not confirmed
Outside · HouseLoop Vision: covered front porch · photo not confirmed
Key HouseLoop Vision features
- Open floor plan
- White kitchen
- Butcher block countertops
- Shaker cabinets
- Stainless steel appliances
- Electric range
- Beige or brown countertops
- Updated kitchen
- Recessed lighting
- Staircase
- Wood stair railing
- Main-floor primary bedroom
- Carpet
- Walk-in shower
- Tiled shower
- Black vanity
- Renovated bathrooms
- Covered front porch
- Corner lot
- Mature trees
- Concrete driveway
- Concrete patio
- Flat lot
- Black roof
- Asphalt shingle roof
- Hardwood floors
- Black hardware
- White trim
- White walls
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Full bathrooms: 2
Primary Bedroom
Bedroom 2
Bedroom 3
Bedroom 4
Heating
- Heating: Central Gas
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Dryer, Microwave, Refrigerator, Free-Standing Electric Oven, Stainless Steel Appliance(s), Washer
Features
- Features: Ceiling Fan(s), Custom Cabinets, Painted Cabinets, Walk-In Closet(s)
- Flooring: Luxury Vinyl, Wood
- Basement: Basement BR
Interior area
- Finished area above ground: 2,150 sqft
- Finished area below ground: 0 sqft
- Total interior livable area: 2,150 sqft
Property
Parking
- Parking features: Detached, Shared Driveway
Lot
- Size: 0.46 Acres
- Features: City Lot
- Patio & porch: Patio, Covered Patio
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Concrete, Wood Siding
Condition
- Year built: 1883
- Age: 101 Years/More
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Covered Patio
Kitchen
- Stainless Appliances
Interior
- Hardwood Floors
Layout
- Basement
- In-law Suite
Garage & Parking
- Detached Garage
Financial & listing details
- Annual tax amount: $911 / yr
No HOA on this home.
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $911 | $13,320 |
| 2024 | $847 | $11,860 |
| 2023 | $745 | $11,860 |
| 2022 | $745 | $10,680 |
| 2021 | $746 | $10,680 |
| 2020 | $464 | $6,140 |
| 2019 | $464 | $6,140 |
| 2018 | $464 | $5,020 |
| 2017 | $1,724 | $5,020 |
| 2016 | $1,724 | $22,270 |
| 2015 | $1,724 | $22,270 |
| 2014 | $1,808 | $20,960 |
$455,000
495 Main Street, Holt, MO 64048
HouseLoop user activity
HouseLoop last checked:
About this home
Historic Beauty, Modern Updates, and Incredible Income Potential! Welcome to this stunning 4-bed home in Holt, Missouri, where historic character meets modern comfort and versatility! Built in 1883, this beautifully renovated 2,150-square-foot home features 4 bedrooms, 2 bathrooms, a separate guest carriage house,…
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 495 Main Street, Holt, MO 64048 identified covered front porch, open floor plan, main-floor primary bedroom, corner lot, mature trees and hardwood floors, plus 23 more features. The home is an active 4-bedroom, 2-bath, 2,150-square-foot single family residence listed for $455,000, MLS #2648389.
Kitchen · HouseLoop Vision: open floor plan · photo not confirmed
Bathrooms · HouseLoop Vision: walk-in shower · photo not confirmed
Outside · HouseLoop Vision: covered front porch · photo not confirmed
Key HouseLoop Vision features
- Open floor plan
- White kitchen
- Butcher block countertops
- Shaker cabinets
- Stainless steel appliances
- Electric range
- Beige or brown countertops
- Updated kitchen
- Recessed lighting
- Staircase
- Wood stair railing
- Main-floor primary bedroom
- Carpet
- Walk-in shower
- Tiled shower
- Black vanity
- Renovated bathrooms
- Covered front porch
- Corner lot
- Mature trees
- Concrete driveway
- Concrete patio
- Flat lot
- Black roof
- Asphalt shingle roof
- Hardwood floors
- Black hardware
- White trim
- White walls
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HouseLoop Mortgage Calculator
$2,885
Offer Insights
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$445,900 – $454,545
Estimated Sales Range
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Property Details
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Full bathrooms: 2
Primary Bedroom
Bedroom 2
Bedroom 3
Bedroom 4
Heating
- Heating: Central Gas
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Dryer, Microwave, Refrigerator, Free-Standing Electric Oven, Stainless Steel Appliance(s), Washer
Features
- Features: Ceiling Fan(s), Custom Cabinets, Painted Cabinets, Walk-In Closet(s)
- Flooring: Luxury Vinyl, Wood
- Basement: Basement BR
Interior area
- Finished area above ground: 2,150 sqft
- Finished area below ground: 0 sqft
- Total interior livable area: 2,150 sqft
Property
Parking
- Parking features: Detached, Shared Driveway
Lot
- Size: 0.46 Acres
- Features: City Lot
- Patio & porch: Patio, Covered Patio
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Concrete, Wood Siding
Condition
- Year built: 1883
- Age: 101 Years/More
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Covered Patio
Kitchen
- Stainless Appliances
Interior
- Hardwood Floors
Layout
- Basement
- In-law Suite
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: $911 / yr
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $911 | $13,320 |
| 2024 | $847 | $11,860 |
| 2023 | $745 | $11,860 |
| 2022 | $745 | $10,680 |
| 2021 | $746 | $10,680 |
| 2020 | $464 | $6,140 |
| 2019 | $464 | $6,140 |
| 2018 | $464 | $5,020 |
| 2017 | $1,724 | $5,020 |
| 2016 | $1,724 | $22,270 |
| 2015 | $1,724 | $22,270 |
| 2014 | $1,808 | $20,960 |
Similar listings and the Holt market
Look throughout Holt, Missouri
There are currently 19 homes for sale in Holt, with 11 under contract. Homes here sell for a median of $450,000 and go under contract in a median of 39 days. This home is priced $5,000 above the Holt median.
Holt sits in Clay County, which covers 18 zip codes and 904 homes for sale. Nearby Kansas City is lower at $299,000 with more inventory.
Frequently asked questions about 495 Main Street
How do I schedule a tour of 495 Main Street?
495 Main Street is open for tours now. It is a 4 bed, 2 bath, 2,150 sqft home listed at $455,000.
Tap Tour this home to hold up to three times before you pick one — HouseLoop confirms your tour and your HouseLoop agent meets you there, no back-and-forth phone tag required.
How do I get more information about 495 Main Street?
It is a 4 bed, 2 bath, 2,150 sqft home listed at $455,000.
Ask Myli anything about this home right on this page — she can pull the schools, taxes, HOA and recent sales in Holt in seconds — or tap Ask a question to reach a HouseLoop agent directly.
Can I take a virtual tour of 495 Main Street?
Not yet — 495 Main Street doesn't have a video walkthrough posted with this listing, so 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, or Ask Myli to check back once one is added.
How many homes are for sale near 495 Main Street?
16 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, or tap Tour this home to see this one first.
What is the 64048 neighborhood like?
495 Main Street sits in 64048. The median list here is $447,000, versus $455,000 across Holt, MO. Homes in 64048 go under contract in a median of 40 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, or tap Tour this home to see the block for yourself.
How much is the monthly payment for 495 Main Street?
About $2,590 a month with 10% down at 6.5% over 30 years, before taxes and insurance; with an $5,460 estimated tax and mortgage insurance folded in it lands near $3,260. Median sold price in 64048 is $449,000 — this $455,000 list is right at it.
Your real number moves with the down payment and rate you lock — drag the sliders on this page, or tap Get pre-approved and Myli lines up a pre-approval.
How do I get pre-approved to buy 495 Main Street?
Tap Get pre-approved. We send your request to the one local lender you pick, and 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 100% of list on average. Tap Get pre-approved to get the process moving, or Ask Myli what to expect first.
Can I negotiate the asking price for 495 Main Street?
Yes. 495 Main Street was listed on October 22, 2026. Homes in 64048 sold at about 100% of list over the last 12 months — near or above asking, so room to negotiate is tighter than usual.
Your HouseLoop agent writes the offer with the recent sales in Holt sitting right beside it, so 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 495 Main Street?
Sellers in 64048 accepted 100% of list over the last 12 months across 47 sales, median $449,000, near $445,900 – $454,545 on this $455,000 list. The median home here took 40 days to go under contract, so 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 495 Main Street?
Making an offer on 495 Main 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, and 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 495 Main Street?
$212 per square foot ($455,000 over 2,150 sqft). Homes sold in 64048 over the same window went for a median of $210 per square foot, so this home is priced about even with 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, or Ask Myli to pull three more like it nearby.
How long has 495 Main Street been on the market?
Listed on October 22, 2026. Homes in 64048 typically go under contract in 40 days.
How long a home has been listed is the clearest early read on a seller's flexibility, so 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 495 Main Street built?
495 Main Street was built in 1883, so it is about 143 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, or tap Tour this home to see the mechanicals in person.
How many bedrooms and bathrooms does 495 Main Street have?
495 Main Street is a home with 4 bedrooms and 2 bathrooms across 2,150 square feet, on a 0.46 acre lot, per the MLS record for this address.
Bed and bath count is usually the first filter a buyer sets, so 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, or tap Tour this home to walk the floor plan in person.
What is the lot size of 495 Main Street?
0.46 acres (about 20,038 square feet), per the county record for 495 Main 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, or tap Ask a question to find out what's allowed.
Does 495 Main Street have a garage, a basement, air conditioning?
495 Main Street has a basement br 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, or tap Tour this home to see it in person.
What are the floors made of in 495 Main Street?
Luxury Vinyl and Wood, per the MLS record for 495 Main 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, or tap Tour this home to see it yourself.
What schools serve 495 Main 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, so it's worth confirming before you tour. Ask Myli to pull the full attendance boundary, or 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 4.1 months of supply. Homes there go under contract in a median of 40 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 495 Main Street, or tap Ask a question for a HouseLoop agent's read on it.
What are the property taxes for 495 Main Street?
Public records show about $911 a year (0.2% of the list price) for 495 Main 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, or tap Get pre-approved to ask a lender directly.
Are there HOA fees for 495 Main Street?
No HOA is listed for 495 Main Street, and public records show none recorded on this parcel.
No HOA means more control over the property and no monthly fee, but 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 495 Main Street still for sale?
Yes — 495 Main Street is active as of October 22, 2026.
Tap Tour this home to see it in person this week, or 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 495 Main Street with someone?
Yes — tap the share icon on this page to send 495 Main 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 495 Main Street to get a text the moment its price or status changes, or 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, so 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 495 Main Street?
Yes — ask her anything about 495 Main 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, and hands off to a HouseLoop agent the moment a question needs one. Tap Ask Myli below to start.
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 24, 2026 04:01 AM
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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 05:34 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2648389
HouseLoop last checked:
Listing updated: