Holts Summit Homes under $400,000

Holts Summit Homes under $400,000

Welcome to Holts Summit, Missouri—a charming city nestled in the heart of Callaway County, where small-town warmth meets modern convenience. Just a short drive from the vibrant capital city of Jefferson City, Holts Summit boasts a delightful blend of community spirit, scenic beauty, and a family-friendly atmosphere. With its tree-lined streets and welcoming neighborhoods, it’s no wonder that so many are drawn to call this lovely town home.

Holts Summit offers a fantastic selection of homes under $400,000, making it an ideal destination for first-time homebuyers, growing families, or anyone looking to invest in a peaceful yet connected community. From spacious single-family residences to cozy townhomes, the real estate options here are diverse and appealing. Many homes feature updated amenities, generous yards, and proximity to local parks, schools, and shopping centers, ensuring that you have everything you need right at your fingertips.

The city is also known for its strong sense of community, with numerous events and activities that bring residents together throughout the year. Whether you’re enjoying a summer festival, taking part in local sports leagues, or simply strolling through one of the many parks, you’ll quickly feel at home in Holts Summit.

With its affordable housing market, friendly atmosphere, and convenient location, Holts Summit is the perfect place to settle down and create lasting memories. Come explore the possibilities and discover your dream home in this delightful Missouri city!

Newest Holts Summit Homes under $400,000

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
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
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
3735 State Road Aa, Holts Summit
$135,000
3 Beds ⋅ 2 Baths ⋅ 10074217 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
734 Vine Drive, Holts Summit
$332,000
3 Beds ⋅ 2 Baths ⋅ 10074189 MLS
*Sellers willing to provide $8500 in concessions & pay all title work fees with accepted offer prior to Friday, Oct. 2 at 5:30 pm* A home that checks all the boxes and provides main level living, look no further. This 3 bedroom, 2 bath home provides an open concept design with a spacious kitchen featuring quartz countertops, solid walnut butcher block island, stainless steel appliances, and large walk in pantry with ample storage and extra counter space. The master suite boasts a large walk in closet, double vanity, and floor-to-ceiling custom tiled shower with onyx base. If that isn't enough, this home also provides a double garage with ample storage above, covered patio space, a FENCED back yard and brand new storage shed. It is ready for you to call it home!

734 Vine Drive, Holts Summit
11741 County Road 385, Holts Summit
$356,975
4 Beds ⋅ 3 Baths ⋅ 10074175 MLS
NO HOA, 6.4 ACRES & ROOM TO BREATHE! Discover the privacy and space buyers crave in this 4BR/3BA ranch close to conveniences in Holts Summit. With 2,545 sq ft of finished living space, this home offers a flexible layout with multiple living areas, a full walk-out lower level and room to spread out. The kitchen features quartz countertops, custom cabinetry and NEW appliances, while select areas feature NEW LVP flooring. A wet bar creates the perfect spot for entertaining. Enjoy the peaceful, wooded setting with mature trees and 6.4 private acres ideal for recreation, gardening, wildlife and hunting right on your own land. A fenced area gives pets room to play and roam. A Hardy wood-burning stove/boiler provides backup heat, plus a 2-YEAR-OLD WATER HEATER adds value. Relax on the covered front porch and enjoy country living without sacrificing convenience. A 2-car garage and PLENTY OF PARKING make hosting easy. NO HOA means more freedom to enjoy your property your way. Close to shopping, dining, schools & major routes, this property delivers the acreage, privacy, space and location buyers are searching for. Schedule your private showing today!

11741 County Road 385, Holts Summit
766 Vine Drive, Holts Summit
$395,000
3 Beds ⋅ 2 Baths ⋅ 10074151 MLS
Welcome to this upgraded 3-bedroom, 2-bath home featuring a breathtaking open floor plan. The kitchen is perfect for gathering, with a large center island and dining room that will seat all of your guests! The spacious pantry provides extra counter and storage space for all your supplies. This home features a split-bedroom layout with a large primary suite on one side of the home and two additional bedrooms with a hall bath on the other. The primary bathroom includes a custom-tiled shower with bench, a rainfall showerhead, double sink vanity, and a beautiful walk-in closet complete with custom storage. You'll also appreciate the oversized laundry room and spacious 2-car garage. As if the inside wasn't enough to wow you, step outside to the impressive covered patio spanning the entire length of the home--an ideal space for relaxing or entertaining, complete with custom lighting, hot tub hookup, and TV hookup. The charming front porch offers another perfect place to sit back and unwind. Charming, inviting, and still has the ''new home smell.'' You won't want to miss this one!

766 Vine Drive, Holts Summit
1418 S Summit Drive, Holts Summit
$182,900
3 Beds ⋅ 2 Baths ⋅ 10074146 MLS
Don't miss this rare opportunity to own a charming 3-bedroom, 1.5-bathroom split-level home sprawling across a beautiful one-acre lot. Perfect for outdoor entertaining, gardening, or hobbies, this property offers the perfect blend of space and convenience. Inside, you'll find a highly functional multi-level layout ready for your personal touches, while the massive, detached two-car garage provides excellent storage, parking, or the perfect setup for a workshop. Properties offering a split-level design on a full acre under $190K do not last in this market. Schedule your tour today before it's gone tomorrow!

1418 S Summit Drive, Holts Summit
181 Lorene Street, Holts Summit
$159,900
4 Beds ⋅ 2 Baths ⋅ 10074134 MLS
Welcome home! This affordable home offers plenty of space inside and out, all tucked away on a quiet street. Step inside to find hardwood floors and a refreshed kitchen featuring new cabinets, countertops, and appliances. New vinyl windows provide added efficiency and natural light throughout the home.The finished basement adds even more living space with a family room, fourth bedroom, and additional bathroom. Outside, enjoy a large, level backyard surrounded by mature trees with plenty of space for entertaining, kids, pets, or a future garden. An oversized attached garage provides excellent parking, storage, and workspace. With great updates, flexible living space, and a spacious backyard, this home offers a lot of value at an affordable price. Schedule your showing today!

181 Lorene Street, Holts Summit
52 Lee Drive, Holts Summit
$259,900
3 Beds ⋅ 3 Baths ⋅ 10074118 MLS
Welcome to 52 Lee Dr., located in the desirable My-Kee Lake Subdivision in Holts Summit! This 3BR 3BA split foyer home offers approximately 1,600 square feet of living space, a finished lower level, and a 2 car garage. Enjoy the benefits of lake access and a neighborhood setting while still being conveniently located near Holts Summit and Jefferson City. The home offers a functional floor plan with plenty of space and a great opportunity for a new owner to update and make it their own. With its location, lake access, and potential, this property has a lot to offer!

52 Lee Drive, Holts Summit
145 Lindenwood Place, Holts Summit
$327,000
3 Beds ⋅ 2 Baths ⋅ 10073970 MLS
This beautiful MAIN LEVEL LIVING brick home built in 2006 sits in a family friendly neighborhood, with an appealing split bedroom floor plan that enhances privacy while keeping the living spaces open, warm, and connected. The living room is anchored by a fireplace, creating a cozy focal point for gatherings, quiet evenings, or holiday traditions. The large primary suite offers an expansive layout and an en suite bathroom showcasing two walk-in closets, a rejuvenating jetted tub, a separate shower, and a double vanity, all arranged to provide comfort and convenience. Every essential living space is located on one level, making daily life smooth and accessible. The kitchen and dining are open with lots of natural light and access to the 14 x 17 covered back patio. From the garage, a dedicated staircase leads to the attic--ideal for storage. With its durable exterior, smart layout, and welcoming neighborhood setting, this home offers the perfect blend of quality, comfort, and long-term value.

145 Lindenwood Place, Holts Summit
11021 Maple Leaf Lane, Holts Summit
$399,900
4 Beds ⋅ 3 Baths ⋅ 10073928 MLS
Welcome home to this beautifully remodeled 4-bedroom, 3-bathroom home nestled in a quiet subdivision just outside the city limits! Offering the perfect blend of modern updates, comfortable living, and incredible outdoor space, this home is truly move-in ready. The stunning kitchen features stainless steel appliances, granite countertops, and a stylish tile backsplash, creating a beautiful and functional space for everyday living and entertaining. The home has been completely remodeled with thoughtful finishes throughout, including elegant tile walk-in showers in the bathrooms. With four bedrooms, including one nonconforming bedroom, there is plenty of flexibility for a growing family, guests, a home office, or additional living space. Step outside and you'll find a huge privacy-fenced backyard, perfect for pets, play, gardening, or simply enjoying your own private retreat. The impressive 30' x 23' deck provides an abundance of space for outdoor entertaining, summer gatherings, grilling, or relaxing with family and friends. Located in a peaceful subdivision while still being conveniently close to city amenities, this beautifully updated home offers the space, style, and privacy you've been looking for. Don't miss the opportunity to make this gorgeous remodeled home your own!

11021 Maple Leaf Lane, Holts Summit
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