Holts Summit Homes under $500,000

Holts Summit Homes under $500,000

Welcome to Holts Summit, Missouri—a charming city nestled in the heart of Callaway County. Known for its friendly atmosphere and picturesque landscapes, Holts Summit is the perfect blend of small-town charm and modern conveniences. With a population of just over 5,000 residents, this welcoming community offers a serene lifestyle while still being conveniently located just a short drive from the bustling capital city of Jefferson City.

Holts Summit is rich in history and offers a variety of recreational activities, from serene parks to vibrant community events. The city's commitment to family-friendly living is evident in its excellent schools, making it an ideal place for families to grow and thrive. Nature enthusiasts will appreciate the nearby Lake of the Ozarks and the beautiful trails that wind through the region, providing ample opportunities for hiking, fishing, and outdoor fun.

For those looking to make Holts Summit their home, you’ll be pleased to discover a range of charming properties available for under $500,000. Whether you’re searching for a cozy starter home, a spacious family residence, or a charming cottage, the real estate market here offers something for everyone. Many homes boast modern amenities, beautiful yards, and easy access to local shops and services.

In Holts Summit, you’ll find not just a house, but a place to call home. With its inviting community spirit, beautiful surroundings, and affordable housing options, Holts Summit is truly a hidden gem in Missouri. Discover your dream home in this delightful city today!

Newest Holts Summit Homes under $500,000

159 Northrup Avenue, Holts Summit
$314,900
3 Beds ⋅ 3 Baths ⋅ 10074286 MLS
Welcome to 159 Northrup Ave, a spacious tri-level home featuring a bright, open floor plan and fresh updates throughout. The sellers have recently installed brand-new LVP flooring and carpet throughout the home, giving the interior a clean, updated feel. The kitchen offers tile flooring, vaulted ceilings, a pantry, beautiful cabinetry, and a distinctive designer window that brings in plenty of natural light. The large living room provides plenty of space for entertaining and features a cozy gas fireplace. French doors lead from the living room to a covered patio and fenced backyard, creating a great setup for indoor and outdoor living. The lower-level family room remains open to the main level, giving the home a connected and spacious layout. The large primary suite features crown molding, a spacious walk-in closet, corner jetted tub, double vanity, and separate shower. An impressive storage area beneath the living room provides additional space for seasonal items, hobbies, or household storage. With its functional layout, updated flooring, generous living spaces, and inviting backyard, this home is ready for its next owner.

159 Northrup Avenue, Holts Summit

Courtesy of The Real Estate Agency

1185 Choctaw Ridge, Holts Summit
$399,000
5 Beds ⋅ 3 Baths ⋅ 10074283 MLS
1185 Choctaw Ridge, Holts Summit, MO 65043 offers the space and flexibility buyers are looking for in the established Choctaw Ridge subdivision. This 5-bedroom, 3-bath ranch features a welcoming open floor plan, formal dining room, wood floors, and a spacious kitchen with breakfast area that flows easily into the main living spaces. The large primary suite includes a private bath and walk-in closet, while two additional bedrooms and another full bath complete the main level. Downstairs, the recently finished walk-out lower level adds approximately 1,400 sq ft of living space with two more bedrooms, a full bath, bonus room, extra storage, and an expansive family room with a wood-burning fireplace and direct access to the backyard. Step outside to enjoy the deck and nearly half-acre lot, offering room to relax, play, or entertain. A 2-car garage, main-level laundry, public water and sewer, and convenient Holts Summit location round out this well-designed home. With approximately 3,064 finished sq ft, there is room here for everyday living, guests, hobbies, work-from-home space, and more.

1185 Choctaw Ridge, Holts Summit

Courtesy of Keller Williams Realty

2442 Kirk Drive, Holts Summit
$419,900
4 Beds ⋅ 2 Baths ⋅ 10074267 MLS
Still time to select the finishing touches on this new construction! Welcome to your stunning new construction, where modern elegance meets timeless design. This exquisite 4-bedroom, 2-bathroom home offers the ultimate in luxury finishes, perfect for those who desire both style and comfort. Key Features Include: Sleek quartz countertops that add a touch of sophistication to your gourmet kitchen. Gorgeous hardwood floors throughout the living areas, providing warmth and character. Elegant bathrooms with designer fixtures, including a beautifully tiled shower for a spa-like experience. Expansive 3-car garage, perfect for vehicles, storage, or a workshop. Every detail has been meticulously crafted, offering a harmonious blend of luxury, functionality, and modern living. Whether you're hosting family gatherings or enjoying a quiet evening at home, this property is designed to impress. Don't miss the opportunity to make this dream home your reality! Schedule a private tour today and experience the pinnacle of luxury living. Photo's are of builders prior constructions to show quality of finishes. ETA on completion is 90-120 days.

2442 Kirk Drive, Holts Summit

Courtesy of eXp Realty, LLC

415 Spring Avenue, Holts Summit
$459,900
4 Beds ⋅ 3 Baths ⋅ 10074244 MLS
*More Photos Will Be Added 10/8* This well-kept 4 bedroom, 3 bathroom ranch is everything you need! Situated on a quiet cul-de-sac in a peaceful neighborhood, this home features an open main level with wood floors throughout. A split-bedroom layout places the primary suite apart from the other bedrooms and gives you a private bath with not one, but two walk-in closets! The kitchen is the heart of the home with beautiful cabinets and counters as well as a generous walk-in pantry. The lower level opens up even more possibilities, with a large finished living space, a fourth bedroom, and a full bathroom. There's also ample unfinished storage to suite your needs. Use this extra space for additional living space, storage, fitness room, etc. And don't forget about the John Deere garage downstairs. Well maintained, conveniently located, beautifully cared for... this home has it all!

415 Spring Avenue, Holts Summit

Courtesy of Staton Realty Group

2431 Kirk Drive, Holts Summit
$434,900
4 Beds ⋅ 2 Baths ⋅ 10074243 MLS
Welcome home to this beautiful new construction tucked into a quiet cul-de-sac. With 1,941 square feet, four spacious bedrooms, and two bathrooms, the split-bedroom layout gives everyone room to feel at home. The open living area welcomes you with 11-foot ceilings and wood floors, while the kitchen brings everyone together around a generous 9½-foot island. Granite countertops and a refrigerator that makes multiple types of ice add thoughtful touches. You'll also love the custom closets, an oversized three-car garage with room for storage, and a covered porch where you can settle in and enjoy the day.

2431 Kirk Drive, Holts Summit

Courtesy of GNX Real Estate Group

10878 Country Aire Meadows Ct, Holts Summit
$395,000
4 Beds ⋅ 2 Baths ⋅ 132663 MLS
$10,000 SELLER CREDIT. Experience elevated living in this stunning new construction ranch offering 1,884 finished sq. ft. of thoughtfully designed living space. Showcasing a sophisticated split-bedroom floor plan, soaring 9-foot ceilings, and an impressive vaulted great room, this home blends style and comfort seamlessly. The gourmet kitchen features custom cabinetry, elegant quartz countertops, a full stainless steel appliance package, and designer muted gold fixtures. Retreat to the luxurious primary suite complete with a tray ceiling, spacious walk-in closet, and spa-inspired bath with dual vanities. A generously sized mudroom adds everyday convenience, while abundant natural light enhances the open-concept living and dining areas. Situated on a .33-acre lot, the exterior offers striking Board & Batten accents, three-sided vinyl siding, and a 2-car attached garage. Luxury, quality, and modern design await you.

10878 Country Aire Meadows Ct, Holts Summit

Courtesy of ReeceNichols Mid Missouri 573-642-7283

959 Cochise Dr, Holts Summit
$459,900
4 Beds ⋅ 3 Baths ⋅ 132662 MLS
Stunning New Construction Ranch in Indian Hills! Welcome to this beautifully designed 4-bedroom, 3-bath home offering over 2945-finished sq ft of living space. The main level features 1,631 main level sq. ft. with a desirable split-bedroom floor plan and an open-concept design that seamlessly connects the living, dining, and kitchen areas, creating the perfect space for entertaining and everyday living. The stylish kitchen showcases custom cabinetry, a large center island, stainless steel appliances, and warm, inviting finishes that complement the home's modern design. Luxury vinyl plank flooring flows throughout the main level. The spacious primary suite offers a walk-in closet, double vanity, and a private bath designed for comfort and relaxation. The finished walkout basement adds approximately 1,314 sq. ft. of additional living space and is ideal for growing families or guests. Enjoy a large rec room, 4th bedroom, full bath, bonus room perfect for a playroom or game room, 9-foot ceilings, and a spacious John Deere room for extra storage and workspace. Located in the desirable Indian Hills subdivision, this quality-built new construction home combines modern style, functional living spaces, and exceptional value. Don't miss your opportunity to make this beautiful home yours! USDA eligible and minutes from Jefferson City and Holts Summit shopping!

959 Cochise Dr, Holts Summit

Courtesy of ReeceNichols Mid Missouri 573-642-7283

10878 Country Aire Meadows Court, Holts Summit
$395,000
4 Beds ⋅ 2 Baths ⋅ 10074242 MLS
$10,000 SELLER CREDIT. Experience elevated living in this stunning new construction ranch offering 1,884 finished sq. ft. of thoughtfully designed living space. Showcasing a sophisticated split-bedroom floor plan, soaring 9-foot ceilings, and an impressive vaulted great room, this home blends style and comfort seamlessly. The gourmet kitchen features custom cabinetry, elegant quartz countertops, a full stainless steel appliance package, and designer muted gold fixtures. Retreat to the luxurious primary suite complete with a tray ceiling, spacious walk-in closet, and spa-inspired bath with dual vanities. A generously sized mudroom adds everyday convenience, while abundant natural light enhances the open-concept living and dining areas. Situated on a .33-acre lot, the exterior offers striking Board & Batten accents, three-sided vinyl siding, and a 2-car attached garage. Seller offering a $10,000 credit. Luxury, quality, and modern design await you.

10878 Country Aire Meadows Court, Holts Summit

Courtesy of Reece & Nichols Mid Missouri - Fulton

959 Cochise Drive, Holts Summit
$459,900
4 Beds ⋅ 3 Baths ⋅ 10074241 MLS
Stunning New Construction Ranch in Indian Hills! Welcome to this beautifully designed 4-bedroom, 3-bath home offering over 2945-finished sq ft of living space. The main level features 1,631 main level sq. ft. with a desirable split-bedroom floor plan and an open-concept design that seamlessly connects the living, dining, and kitchen areas, creating the perfect space for entertaining and everyday living. The stylish kitchen showcases custom cabinetry, a large center island, stainless steel appliances, and warm, inviting finishes that complement the home's modern design. Luxury vinyl plank flooring flows throughout the main level. The spacious primary suite offers a walk-in closet, double vanity, and a private bath designed for comfort and relaxation.The finished walkout basement adds approximately 1,314 sq. ft. of additional living space and is ideal for growing families or guests. Enjoy a large rec room, 4th bedroom, full bath, bonus room perfect for a playroom or game room, 9-foot ceilings, and a spacious John Deere room for extra storage and workspace. Located in the desirable Indian Hills subdivision, this quality-built new construction home combines modern style, functional living spaces, and exceptional value. Don't miss your opportunity to make this beautiful home yours! USDA eligible and minutes from Jefferson City and Holts Summit shopping!

959 Cochise Drive, Holts Summit

Courtesy of Reece & Nichols Mid Missouri - Fulton

10878 COUNTRY AIRE MEADOWS CT, Holts Summit
$395,000
4 Beds ⋅ 2 Baths ⋅ 437595 MLS
$10,000 SELLER CREDIT. Experience elevated living in this stunning new construction ranch offering 1,884 finished sq. ft. of thoughtfully designed living space. Showcasing a sophisticated split-bedroom floor plan, soaring 9-foot ceilings, and an impressive vaulted great room, this home blends style and comfort seamlessly. The gourmet kitchen features custom cabinetry, elegant quartz countertops, a full stainless steel appliance package, and designer muted gold fixtures. Retreat to the luxurious primary suite complete with a tray ceiling, spacious walk-in closet, and spa-inspired bath with dual vanities. A generously sized mudroom adds everyday convenience, while abundant natural light enhances the open-concept living and dining areas. Situated on a .33-acre lot, the exterior offers striking Board & Batten accents, three-sided vinyl siding, and a 2-car attached garage. Seller offering a $10,000 credit. Luxury, quality, and modern design await you.

10878 COUNTRY AIRE MEADOWS CT, Holts Summit

Courtesy of ReeceNichols Mid Missouri- Fulton

959 COCHISE DR, Holts Summit
$459,900
4 Beds ⋅ 3 Baths ⋅ 437594 MLS
Stunning New Construction Ranch in Indian Hills! Welcome to this beautifully designed 4-bedroom, 3-bath home offering over 2945-finished sq ft of living space. The main level features 1,631 main level sq. ft. with a desirable split-bedroom floor plan and an open-concept design that seamlessly connects the living, dining, and kitchen areas, creating the perfect space for entertaining and everyday living. The stylish kitchen showcases custom cabinetry, a large center island, stainless steel appliances, and warm, inviting finishes that complement the home's modern design. Luxury vinyl plank flooring flows throughout the main level. The spacious primary suite offers a walk-in closet, double vanity, and a private bath designed for comfort and relaxation The finished walkout basement adds approximately 1,314 sq. ft. of additional living space and is ideal for growing families or guests. Enjoy a large rec room, 4th bedroom, full bath, bonus room perfect for a playroom or game room, 9-foot ceilings, and a spacious John Deere room for extra storage and workspace. Located in the desirable Indian Hills subdivision, this quality-built new construction home combines modern style, functional living spaces, and exceptional value. Don't miss your opportunity to make this beautiful home yours! USDA eligible and minutes from Jefferson City and Holts Summit shopping!

959 COCHISE DR, Holts Summit

Courtesy of ReeceNichols Mid Missouri- Fulton

3735 State Road Aa, Holts Summit
$135,000
3 Beds ⋅ 2 Baths ⋅ 26060196 MLS
PUBLIC ONLINE REAL ESTATE AUCTION – Dates that the property will be open for viewing are Friday, Oct. 2, 2026 - 5-6pm and Sat. Oct. 3, 2026 - 2-3pm. Online Auction Closing Thurs. Oct 15, 2026 - Starts Closing at 6:00pm Property sells AS IS, WHERE IS. NO HOA. 3735 State Road AA offers approximately 39.18 acres in Holts Summit. The acreage features a mix of open pasture and wooded ground, mature trees, a pond, multiple building lots, two residences, older barns and an approximately 3,200 sq. ft. shed/horse barn. The property includes a 1938 two-story frame home with approximately 2,634 sq. ft. and a 1978 split-foyer brick home with approximately 1,344 sq. ft. Water and electric are reported on the tracts containing the two residences. No entry into either home will be permitted. The property has frontage along State Road AA and County Road 4008! Conveniently situated with access to State Road AA and connections to Highway 54 and Highway 94, providing access toward Holts Summit, Jefferson City, the Missouri River area, Hitachi Energy, and Callaway Energy Center. Tracts may be purchased individually, in combination, or as a whole and final sale will be at the Sellers discretion about the division or lack there of. Bid in any combination that would be agreeable to you and Seller will make final choice. The signed auction agreement designates the sale as an ABSOLUTE ONLINE AUCTION; sale remains subject to court approval. The MLS/listing price is only a suggested sales price; the current auction bid will be the prevailing sales price. A 3% Buyer's Premium will be added to the final high bid. A $45,000 non-refundable earnest money/down payment is due at the close of the auction, with final closing within 30 days. Cash purchase only; no government loans and no conventional loans requiring underwriting or appraisal. Buyers may use hard-money funds, a line of credit, or an equity line from their own property. Buyer to verify all measurements, acreage, tract boundaries, access, and online data and to rely on final survey/auction documents.

3735 State Road Aa, Holts Summit

Courtesy of Wolfe Realty 573-592-1939

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Listing information is provided courtesy of the Broker Reciprocity/IDX of Bagnell Dam Association of REALTORS® and Lake of the Ozarks Board of REALTORS®, Inc. Multiple Listing Services. Copyright 2026 Multiple Listing Service, Inc. of Bagnell Dam Association of REALTORS® MLS, Inc. and Lake of the Ozarks Board of REALTORS® MLS, Inc. Information is being provided for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. 2026 Century 21 Community