$379,900
4520 S Harvard Avenue, Springfield, MO 65804
- Bedrooms
- 3
- Bathrooms
- 3
- Square feet
- 3,477
- Lot
- 0.48 ac
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- Built 1986
- 2-car garage
- Basement
- No HOA
- Springfield schools
Compared to similar homes
10 listings (5 under contract) in Springfield: single family residence, 3 bedrooms, 2.5–3.5 baths, 2,781–4,173 sq ft. Days on market is the median for the 5 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 beauty and charm of this inviting 3-bedroom, 2.5-bath home nestled in a wonderful established neighborhood just south of Farmers Park! From the moment you arrive, you'll appreciate the mature trees, attractive circle driveway, and ample parking. Inside, vaulted ceilings and a sunken living room create an open, welcoming atmosphere, with beautiful views overlooking the breathtaking Ozark Mountain fall colors. A stunning stone-hearth wood-burning fireplace serves as the perfect focal point for cozy evenings and gatherings. The kitchen features granite countertops and stainless steel appliances, while the spacious separate laundry room adds everyday convenience. Retreat to the primary suite featuring a beautifully remodeled bathroom shower with a rain shower head. Step outside and enjoy relaxing or entertaining on the composite deck surrounded by the natural beauty of mature trees. Completing this wonderful property is a two-car attached garage. A fantastic opportunity to enjoy comfortable living in a desirable Springfield location!
Facts and features
Interior
- Levels
- Two
- Basement
- Walk-Out Access, Partially Finished, Partial
- Fireplace
- Yes
- Flooring
- Carpet, Tile, Laminate
- Appliances
- Electric Cooktop, Built-In Electric Oven, Disposal, Dishwasher
- Laundry
- Main Floor
- Features
- Vaulted Ceiling(s), Internet - Cable, Granite Counters, W/D Hookup, Walk-in Shower, High Speed Internet
Exterior and lot
- Garage
- 2 spaces
- Parking
- Parking Space, Paved, Garage Faces Front, Driveway, Circular Driveway, Additional Parking
- Lot
- 0.48 acres
- Lot features
- Landscaping, Few Trees, Mature Trees, Wooded
- Roof
- Composition
- Construction
- Frame, Stone, Wood Siding
- Patio / porch
- Deck, Front Porch
Utilities
- Sewer
- Public Sewer
- Water
- City (Public)
- Heating
- Forced Air, Central
- Cooling
- Central Air, Ceiling Fan(s)
- Utilities
- Cable Available
Cost and details
- Taxes
- $2,474/yr (2025)
- HOA / COA dues
- None
- Financing the seller will consider
- Cash, FHA, Conventional
- Year built
- 1986
- Type
- Single Family Residence
- Subdivision
- The Timbers
- County
- Greene
Good to know
-
Internet
- Fiber up to 5 Gbps: AT&T, Brightspeed
- Cable up to 1 Gbps: Mediacom Xtream
- DSL up to 100 Mbps: AT&T
- Fixed wireless up to 400 Mbps: AT&T, T-Mobile, Total HighSpeed Internet Solutions, Verizon and 1 more
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 Springfield city limits · Greene County.
-
Water and sewer
Water: City (Public) · Sewer: Public Sewer
-
Utility costs
City Utilities can show this address’s utility usage and costs for the last 12 months.
Look up past utility costs (City Utilities Average Bill Report, opens in a new tab)
-
Assigned schools
Springfield schools
- SGF-Disney
- SGF-Cherokee
- SGF-Kickapoo
Look up state report cards (Missouri DESE, opens in a new tab)
On the state site, pick the Springfield 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)
- —
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
The Timbers
How far is it?
- Downtown Springfield (Park Central Square) 5.8 mi
- Mercy Hospital Springfield 3.5 mi
- Cox Medical Center South 1.6 mi
- Missouri State University 5 mi
- Springfield-Branson National Airport 11 mi
Straight-line miles. Driving distance is longer.
Guides for this home
More homes like this
Living in Springfield
Quick answers
What school district is 4520 S Harvard Avenue in?
4520 S Harvard Avenue is in the Springfield school district, according to the MLS listing. The assigned high school is SGF-Kickapoo.
Is it on city sewer?
Yes. The MLS lists the sewer as: Public Sewer.
Is there an HOA?
No. The listing shows no homeowners association.
What kind of loan can I use on this home?
The seller will consider Cash, 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 3 days.
Is 4520 S Harvard Avenue 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 4520 S Harvard Avenue?
The FCC National Broadband Map shows these for the area: Fiber up to 5 Gbps: AT&T, Brightspeed; Cable up to 1 Gbps: Mediacom Xtream; DSL up to 100 Mbps: AT&T; Fixed wireless up to 400 Mbps: AT&T, T-Mobile, Total HighSpeed Internet Solutions, Verizon and 1 more. Check with providers for this exact address.
Is 4520 S Harvard Avenue 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 4520 S Harvard Avenue as inside city limits.
Is this home priced high or low for the area?
Lower than average. It is listed at $109 per square foot, about 19% below the $135/sq ft median of 10 similar homes for sale or under contract in Springfield. Price per square foot doesn't capture condition, updates or the lot, so use it as a starting point.
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Listing data last updated November 3, 2026 at 9:46 am CST. Source: Southern Missouri Regional MLS (SOMO). MLS #60337490.
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.