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480 Pear Tree Rd, Troy, MO, 63379

5beds
3baths
3,723sqft
$985,000
$265price/sqft
$6,517/moest. monthly cost
$260,680/yrincome needed

About This Home

FSBO Agents!! Charming 5 Bedroom 3 Bath Home on 3.5 Acres with Chef Inspired Kitchen, Jenn-Air Appliances, Oak Cabinets Granite Countertops, Oak Flooring, Ceramic Flooring, Freshly Painted, Updated Bathrooms with James Martin Vanities, All LED Color adjustable lighting, New Asphalt Driveway, 1200 sq Ft Antique Vintage Store Ready for Biz with 2 Car Attached Central HVAC, 50x80 2x6 Build 16ft Ceilings, R19 with Gas/Wood Burner Heat 1/2 Bath 12x12 Overhead 10k Lift LED lighting with ceiling Fans and Basketball Court, Set up for Auto Shop.. All on 3.5 Clean Wooded Acres.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
5/10
Troy Middle SchoolGrades 6-83.3 mi
6/10
Troy Buchanan High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Walk-In Closet(s),Vaulted Ceiling(s),Living Room,Entrance Foyer,Some Wood Floors,Special Millwork,Utility Room,Media Room
  • Door features: 6 Panel Door(s),Pocket Door(s),Lever Style Door Handles
  • Window features: Insulated Windows,Some Tilt-In Windows
  • Flooring: Tile,Carpet,Hardwood,Linoleum / Vinyl
  • Fireplace features: Wood Burning,Great Room
  • Fireplace: Yes
  • Finished area below ground: 1800

Heating & Cooling

  • Heating features: Forced air,Electric,Propane / Butane,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,723 sqft

Property

Accessibility

  • Accessibility features: Accessible Central Living Area

Details

  • Parcel number: 192009000000006002
  • Special condition: Sale

Features

  • Exterior features: Vinyl,Brick,Metal
  • Has view: Yes
  • View description: Park

Lot

  • Lot size: 3.50 Acres
  • Features: Backs to Trees/Woods

Parking

  • Total spaces: 16
  • Parking features: Carport,Garage - Attached,Garage - Detached,Off-street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,980$59,760
Home Insurance *$687$8,244
Property Taxes $566$6,792
Electricity $284$3,411
Total$6,517$78,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,440/yr
40% on housing$195,510/yr
45% on housing$173,786/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 63379$240
Lincoln County$224

vs Homes Sold Last Month

Median $/sqft

ZIP 63379$198
Lincoln County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-08Price change$1,060,000
2026-01-30Listed for sale$1,160,000
2023-06-16Listing removed--
2023-04-17Price change$599,000
2023-04-14Price change$625,000
2023-02-20Listed for sale$650,000
2023-02-20Pending sale$650,000
2023-01-27Listed for sale$650,000
2022-12-02Listing removed--
2022-09-01Listed for sale$650,000
2020-11-09Listing removed$575,000
2020-08-23Price change$575,000
2020-07-16Listed for sale$625,000

For Sale by Owner

AgentProperty Owner

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