Holt Homes with FHA Financing

Holt Homes with FHA Financing

Welcome to Holt, Missouri – a hidden gem that perfectly blends small-town charm with modern conveniences. Nestled in the picturesque landscape of the Show-Me State, Holt offers a tranquil lifestyle while being conveniently located near larger urban centers. With its friendly community, vibrant local culture, and stunning natural surroundings, Holt is an ideal place for families, retirees, and anyone seeking a peaceful retreat.

In Holt, you’ll find a variety of homes that cater to diverse tastes and budgets. Whether you’re searching for a cozy cottage or a spacious family home, the real estate market here has something for everyone. One of the most appealing aspects of buying a home in Holt is the availability of FHA financing. This government-backed option is designed to make homeownership more accessible, particularly for first-time buyers. With lower down payment requirements and flexible credit guidelines, FHA loans can help you secure your dream home without the financial strain.

As you explore Holt, you’ll discover lovely parks, local shops, and a warm community spirit that makes this city feel like home. The area is also known for its excellent schools and recreational opportunities, making it a perfect place to raise a family.

If you’re ready to embark on your home-buying journey in Holt, Missouri, let us guide you through the process. With our expertise and the benefits of FHA financing, your dream home is just around the corner! Embrace the charm of Holt and make it your forever home today.

Newest Holt Homes with FHA Financing

215 MISTY Lane, Holt
$325,000
5 Beds ⋅ 2 Baths
UNIQUE FIND!!! 5 bedroom, 2 bath, 2 car garage Side/Side Split home with new carpet, paint, and updated bathrooms. Sitting on just over an acre, this property offers lots of room to roam and build your dream backyard. Beautiful vaulted ceilings in the living room/dining room areas, making the home feel extra spacious. HUGE primary bedroom! Sits on a dead end street, so very attractive for those wanting minimal traffic. KEARNEY SCHOOL DISTRIC! Home sits on Lots 4 & 5, but Seller is including Lot 3(195 Misty Ln) in the sale. All 3 lots combine to make the 1.17 +/- acres. This is a RARE find at this price for all the home has to offer.

215 MISTY Lane, Holt

Listing courtesy of Mike Ruff of HomeSmart Legacy.
485 Waters Street, Holt
$399,900
4 Beds ⋅ 2.5 Baths
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!

485 Waters Street, Holt

Listing courtesy of HHKC TEAM of EXP Realty LLC.
495 Main Street, Holt
$455,000
4 Beds ⋅ 2 Baths
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!

495 Main Street, Holt

Listing courtesy of HHKC TEAM of EXP Realty LLC.
190 4th Street, Holt
$369,900
3 Beds ⋅ 3 Baths
Step Into History Without Sacrificing Modern Comfort! Welcome to this beautifully updated 3-bed home in Holt, Missouri, where 1860s charm meets today's comforts! Offering 1,750 square feet, 3 full bathrooms, and a gorgeous outdoor setting overlooking a peaceful babbling creek, this historic property provides a rare combination of character, versatility, and scenic beauty. Currently operating as a short-term rental and bridal suite. Located at 190 W 4th Street, this one-of-a-kind home has been thoughtfully renovated to honor its historic roots while creating a welcoming, updated living environment. You'll appreciate the preserved Craftsman-inspired details, tasteful finishes, and warm country kitchen and dining area designed for gathering and making memories. The home offers a wonderful balance of old-world charm and modern convenience. Currently utilized as a short-term rental catering to guests attending nearby wedding venues, the property offers an appealing opportunity for continued hospitality use, a personal retreat, or a distinctive primary residence. Its established bridal suite setup adds another dimension of flexibility for buyers exploring rental possibilities. Step outside and discover what truly makes this setting special! Enjoy a spacious, level yard, beautiful mature trees, peaceful creekside surroundings, and tremendous views. Whether you're relaxing outdoors, hosting gatherings, or simply enjoying the natural beauty, the setting offers room to unwind. Additional land options may be available through separate negotiation, providing even more possibilities for those seeking extra outdoor space. If you've been searching for a historic home with modern updates, rental potential, and a peaceful setting, this 3-bed home in Holt deserves a closer look. Schedule your private tour of 190 W 4th Street today!

190 4th Street, Holt

Listing courtesy of HHKC TEAM of EXP Realty LLC.
6143 SE Cameron Road, Holt
$400,000
4 Beds ⋅ 3 Baths
AUCTION OPPORTUNITY !Ignore the list price and bid on this hidden retreat Situated on 12+ beautiful acres! This property offers exceptional opportunities for recreation, outdoor activities, hobbies, or simply enjoying the peace and tranquility of country living. Whether you're searching for a private getaway, room for your equipment, toys, or acreage to make your own, this property delivers an incredible combination of land, and location. Step inside to a spacious, open living area where beautiful oversized windows bring in an abundance of natural light and showcase the peaceful surroundings. The kitchen was completely remodeled in 2026 and features gorgeous granite countertops, updated finishes, and a functional layout perfect for everyday living and entertaining. Several major improvements and big-ticket recent updates, allowing you to enjoy the property while adding your own personal touches. The spacious primary bedroom features vaulted ceilings and direct access to the deck the perfect spot to step outside and enjoy the quiet country setting. A large deck overlooks the fenced portion of the yard, providing plenty of space for outdoor entertaining, pets, or simply relaxing and taking in the scenery. NEED A SHOP? THIS PROPERTY HAS ONE! The impressive 35' x 60' detached shop with electricity offers approximately 2,100 square feet of additional space all with convenient highway access. This home is an auction and is being sold "as is-where is". Please visit our website for more information, and to register to bid. This home is NOT a foreclosure. All terms and conditions Must be agreed upon and Apply. Seller reserves the right to accept a pre-auction offer, all auction terms and conditions will still apply. Pre-auction offers are being considered thru Nov 1st @ 9pm. Auction will begin if no offers are accepted Nov 2nd @ 9am and end Nov 19th @ 3pm. All offers need to be on the RRAH Auction contract to be considered. Book your tour of this beautiful property today!

6143 SE Cameron Road, Holt

Listing courtesy of April Kabrick of RE/MAX Realty and Auction House LLC.
7132 SE PP Highway, Holt
$650,000
3 Beds ⋅ 2 Baths
Bring your vision to life! This two-story, 3-bedroom, 2-bath home offers acreage, a large pond, two outbuildings, and plenty of potential for those looking to create a property of their own. Renovations were started but paused, leaving the home ready for its next owner to complete and customize to their own taste and needs. Enjoy the spacious setting and the added appeal of a large pond, perfect for relaxing, enjoying the outdoors, or simply taking in the peaceful surroundings. With an existing outbuilding and a solid opportunity to build equity through improvements, this property is a true blank canvas. Whether you're looking to restore, renovate, or create your own country retreat, the possibilities are here. Come see the potential and imagine what this property could become!

7132 SE PP Highway, Holt

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
15007 Northern Hills Drive, Holt
$649,990
3 Beds ⋅ 2.5 Baths
Imagine having nearly six acres of space to spread out, enjoy the outdoors, and create the setting you've been looking for. This property on Northern Hills Dr offers approximately 5.66 acres across two adjoining parcels, combining an existing home and shop with additional acreage and plenty of room to enjoy the possibilities. The main parcel includes approximately 3.31 acres with the house and shop, while the adjoining 2.35-acre parcel adds valuable space and flexibility. With nearly six acres together, there is room for outdoor recreation, hobbies, gardening, entertaining, or simply enjoying the peace and openness that comes with acreage. The seller has called this property home for more than 20 years and has meticulously maintained not only the residence, but the entire property. The care, attention to detail, and pride of ownership are evident throughout. The residence offers one full bathroom, while the shop provides valuable space for projects, hobbies, storage, or other needs. This is a property that truly needs to be seen to appreciate the level of care, detail, and value created over more than two decades of ownership. Located in the Holt community along Northern Hills Dr, it offers the opportunity to enjoy a spacious Missouri setting with room to spread out and make the property your own. Come see it for yourself and experience the difference that exceptional care and pride of ownership can make. Two parcels are included in the sale: • Parcel ID 07201000301300: Approximately 3.31 acres with house and shop • Parcel ID 07201000301400: Approximately 2.35 acres adjacent to the main parcel

15007 Northern Hills Drive, Holt

Listing courtesy of Glen Purnell of EXP Realty LLC.
13608 Raliegh Lane, Holt
$250,000
3 Beds ⋅ 2.5 Baths
Bring your vision to this 3-bedroom, 2.5-bath raised ranch on 3.85± acres with Kearney Schools! Offering 1,476± finished SF plus 750± unfinished basement SF, this fixer-upper combines a spacious setting with character and potential. The living room features vaulted ceilings, exposed beams, a brick fireplace and built-in shelving. An eat-in kitchen, separate dining room and main-floor primary suite provide a practical layout ready for your updates. Outside, enjoy mature trees, a large covered and enclosed back porch, a partially fenced backyard, an attached 2-car garage and a separate 2-door outbuilding. Recent improvements include a Trane furnace with heat pump, Trane air conditioner and Rheem Marathon electric water heater. Roof replaced in 2016, and foundation repair work has already been completed. An opportunity to renovate and personalize a home with acreage in Holt! Pre-Auction Offers Considered. Bidding Ends October 30th at 1:00pm.

13608 Raliegh Lane, Holt

Listing courtesy of Alex Forster of Cates Auction & Realty Co Inc.
17504 State Route 33 Highway, Holt
$439,000
3 Beds ⋅ 2 Baths
Offered at $439,000. Experience the perfect balance of modern comfort and country serenity on this stunning 3.13-acre estate within the sought-after Kearney School District. Located just five minutes north of town, this renovated ranch home offers picturesque sunset views and daily wildlife sightings. The main level features a beautifully transformed kitchen, a light-filled open dining and living area, and an updated primary suite boasting a marble double vanity. The living space doubles in the fully finished walkout basement, which includes a massive secondary family room with a fireplace, a recreation area, and potential for a private guest suite. With French doors leading to a covered patio and a separate private entrance, this level is ideal for an in-law suite or an expansive entertainment hub. For the hobbyist or entrepreneur, the property features two massive outbuildings equipped with electricity and lighting. The primary shop includes reinforced 5-inch concrete flooring, a circular gravel drive for easy maneuvering, and a freestanding pellet stove (buyer to verify installation status and hookups). Property features dual access drives: the north driveway is supported by a recorded ingress/egress easement, while the south driveway utilizes an informal, unrecorded shared arrangement with neighborly permission and buyer-assumed maintenance. Home and septic inspections have already been completed, with reports available to buyers and agents in MLS supplements. Buyer or buyer's agent to independently verify all property information, including taxes, square footage, appliance age, utilities, acreage, title commitment, recorded easements, and unrecorded access arrangements.

17504 State Route 33 Highway, Holt

Listing courtesy of Erin Larson of United Real Estate Kansas City.
606 Water Street, Holt
$229,000
2 Beds ⋅ 1 Baths
Welcome home to this beautifully updated 2-bedroom, 1-bath gem in the highly sought-after Kearney School District! Tucked away on a spacious lot on a quiet street, this charming home perfectly blends modern updates with small-town charm. Step inside to a bright and welcoming living room that flows seamlessly into the dining area—ideal for entertaining or cozy family dinners. The gorgeous kitchen features stylish tile backsplash, a farmhouse sink, new cabinetry, a pantry, and a convenient attached mudroom with access to the driveway. Just outside the kitchen door, you'll find the added peace of mind of an above-ground storm shelter, offering safety and easy access. The main floor also includes the laundry room and bathroom. Upstairs, you’ll find two comfortable bedrooms offering peaceful retreats. Outside, enjoy a country feel with plenty of space for a garden, yet just minutes from the highway for easy commuting and access to nearby amenities. This move-in-ready home combines comfort, style, and convenience—all in one perfect package! Be sure to also check out MLS #2602293 at 610 Water Street, located right next door—an incredible opportunity to purchase two neighboring properties. Buy one and make the other an investment property, start your rental portfolio, or create a perfect setup for multigenerational living or a mother-in-law quarters arrangement.

606 Water Street, Holt

Listing courtesy of Lauren Miller of Real Broker, LLC-MO.
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The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use

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