$375,000
195 E Cowling Street, Republic, MO 65738
- Bedrooms
- 5
- Bathrooms
- 3
- Square feet
- 2,200
- Lot
- 0.23 ac
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- Built 2024
- 3-car garage
- Fenced yard
- Republic schools
Compared to similar homes
3 listings (0 under contract) in the Harper Ridge subdivision: single family residence, 5 bedrooms, 2.5–3.5 baths, 1,760–2,640 sq ft. Days on market is the median for the 3 still for sale. List prices from the MLS, not sold prices. Comparison by Albers Real Estate Group.
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About this home
Enjoy the benefits of newer construction with the extras already in place! Located in Republic's Harper Ridge subdivision, this 5-bedroom, 3-bathroom home offers approximately 2,200 square feet of living space, a 3-car garage with a flat driveway.Inside, you'll find an inviting, open layout with modern finishes, luxury vinyl plank flooring, and beautifully tiled showers. Step outside to a covered patio, fully fenced backyard, and storage shed, offering added functionality without the additional expense.Beyond the home itself, Harper Ridge offers something special: a wonderful sense of community and neighbors who make it a great place to call home.With many of the big-ticket extras already in place, this home still offers a blank canvas for its next owners to add their personal touches and truly make it their own. Schedule your private showing today!
Facts and features
Interior
- Levels
- Two
- Basement
- None
- Fireplace
- Yes
- Flooring
- Carpet, Vinyl, Tile
- Appliances
- Dishwasher, Free-Standing Gas Oven, Microwave, Disposal
- Laundry
- Main Floor
- Features
- Internet - Cable, Internet - Fiber Optic, High Ceilings, Solid Surface Counters, Granite Counters, Vaulted Ceiling(s), Tray Ceiling(s), W/D Hookup, Walk-In Closet(s), Walk-in Shower
Exterior and lot
- Garage
- 3 spaces
- Parking
- Driveway, Garage Faces Front, Garage Door Opener
- Lot
- 0.23 acres
- Lot features
- Sprinklers In Front, Landscaping
- Fence
- Wood
- Roof
- Composition
- Construction
- Hardboard Siding, Vinyl Siding, Stone
- Patio / porch
- Patio, Front Porch
Utilities
- Sewer
- Public Sewer
- Water
- City (Public)
- Heating
- Central, Fireplace(s)
- Cooling
- Central Air, Ceiling Fan(s)
Cost and details
- Taxes
- $3,086/yr (2025)
- HOA / COA dues
- HOA $125 annually
- Financing the seller will consider
- Cash, VA, USDA/RD, FHA, Conventional
- Year built
- 2024
- Type
- Single Family Residence
- Style
- Ranch
- Subdivision
- Harper Ridge
- County
- Greene
Good to know
-
Internet
No fiber, cable or fixed wireless is mapped in this area. Starlink is a popular option in rural Missouri.
What providers report for this area. Ask them about this exact address.
-
USDA loan
Not in a USDA-eligible area, so USDA home loans aren’t available here.
-
Flood zone
Not in a FEMA high-risk flood zone (Zone X, minimal risk).
-
City limits
Inside Republic city limits · Greene County.
-
Water and sewer
Water: City (Public) · Sewer: Public Sewer
-
Assigned schools
Republic schools
- RP Price
- Republic
- Republic
Look up state report cards (Missouri DESE, opens in a new tab)
On the state site, pick the Republic district, then the school. Assignments can change, so confirm with the district.
Internet comes from the FCC National Broadband Map (data as of December 2025). Flood zone, USDA and city limits come from public FEMA, USDA and Census maps for this home’s map location; water, sewer and schools come from the MLS listing. Map lines can be off near a boundary, so confirm with your lender, a flood certificate or the city before you buy.
Estimated payment
—/mo
- Principal and interest
- —
- Property tax
- —
- Homeowners insurance (est.)
- —
- Mortgage insurance (PMI)
- —
Plus HOA dues: $10/mo ($125 annually)
Paid to the association, not your lender, so it is not included in the payment above.
Loan amount —. Rate: Freddie Mac weekly national average for this loan term, week of Oct 29, 2026. Tax: from the MLS listing. Insurance: estimated at 0.75% of the price per year. See loan programs in Springfield
Get exact numbers
Adam Swenka at Flat Branch Home Loans, a local lender we work with, can send you real numbers for this home: rate, monthly payment and cash to close.
Estimate only. Not a loan offer, rate quote or commitment to lend. This calculator is for general information and illustration. Your actual rate, payment, mortgage insurance, fees and loan eligibility depend on your credit, income, down payment, loan program and lender, and are determined only by a licensed mortgage lender. The rate shown is Freddie Mac's Primary Mortgage Market Survey national weekly average and may not be available to you. Property taxes are based on the current owner's assessment and may change after a sale; insurance is a rough estimate, and actual premiums vary by home, coverage and insurer. Albers Real Estate Group is a real estate brokerage, not a mortgage lender. Talk to a licensed lender for a personalized quote.
Location
Neighborhood
Harper Ridge
How far is it?
- Downtown Springfield (Park Central Square) 11 mi
- Mercy Hospital Springfield 11 mi
- Cox Medical Center South 11 mi
- Missouri State University 12 mi
- Springfield-Branson National Airport 8.8 mi
Straight-line miles. Driving distance is longer.
Guides for this home
Living in Republic
Quick answers
What school district is 195 E Cowling Street in?
195 E Cowling Street is in the Republic school district, according to the MLS listing. The assigned high school is Republic.
Is it on city sewer?
Yes. The MLS lists the sewer as: Public Sewer.
Is there an HOA?
Yes. The listing shows an HOA. HOA dues are $125 annually.
What kind of loan can I use on this home?
The seller will consider Cash, VA, USDA/RD, FHA and Conventional offers, according to the MLS listing. Whether a specific loan works also depends on your lender and the appraisal.
How long has it been on the market?
It has been listed for 4 days.
Is 195 E Cowling Street in a flood zone?
No. FEMA's flood map shows this home's map location outside high-risk flood zones (Zone X, minimal risk).
What internet is available at 195 E Cowling Street?
No fiber, cable or fixed wireless is mapped in this area. Starlink is a popular option in rural Missouri. Check with providers for this exact address.
Is 195 E Cowling Street eligible for a USDA loan?
No. USDA's eligibility map shows this location outside USDA-eligible areas.
Is it inside city limits?
Yes. The MLS lists 195 E Cowling Street as inside city limits.
Is this home priced high or low for the area?
A little lower than average. It is listed at $170 per square foot, about 5% below the $180/sq ft median of 3 similar homes for sale or under contract in the Harper Ridge subdivision. Price per square foot doesn't capture condition, updates or the lot, so use it as a starting point.
More homes in Harper Ridge
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Listing data last updated November 3, 2026 at 2:46 pm CST. Source: Southern Missouri Regional MLS (SOMO). MLS #60337467.
The data relating to real estate for sale on this web page comes in part from the Internet Data Exchange (IDX) of the Southern Missouri Regional MLS. Real estate listings held by brokerage firms other than Albers Real Estate Group are marked with the IDX logo and detailed information about them includes the name of the listing brokers. The information being provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information being provided is not guaranteed, and all information should be verified by the consumer. Any representation that a web site contains all listings shall only mean that the web site contains all listings available to the public through the IDX data feed. There may be other properties offered through a REALTOR® that have not been displayed on this site. © 2026 Southern Missouri Regional MLS. All rights reserved.