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528 Christine St, Saint James, MO, 65559

3beds
1baths
1,144sqft
$189,900
$166price/sqft
$1,385/moest. monthly cost
$55,400/yrincome needed

About This Home

Welcome home to this cute and cozy 3-bedroom, 1-bath home tucked away at the end of a quiet street in St. James! Located at 528 Christine St, this home offers the perfect blend of comfort, convenience, and peaceful surroundings. Curb appeal shines with beautiful new landscaping and welcoming foliage leading to the front entrance. Inside, the spacious living room is filled with natural light, creating the perfect spot to relax with family and/or guests. The kitchen offers room for a dining table and flows easily into the hallway leading to all bedrooms. The primary bedroom provides generous space, while the other bedrooms include built-in closet shelving for added organization. A large laundry room features a convenient folding station with a dry bar and direct access to the backyard. Step outside to enjoy the patio, perfect for grilling, entertaining, or simply unwinding while taking in the peaceful view of the open field right in your backyard. This semi-secluded setting offers privacy without sacrificing convenience. If you've been searching for a move-in ready home in a fantastic St. James location, this one is a must-see. Schedule your private showing today!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
St. James Middle SchoolGrades 6-81.0 mi
6/10
St. James High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Oven,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Laundry Room

Bathroom

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 32
  • Dimensions: 8x4

Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Flooring: Vinyl
  • Fireplace features: None
  • Finished area above ground: 1,144

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,144
  • Total interior livable area: 1,144 sqft

Kitchen

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 198
  • Dimensions: 18x11

Laundry

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 64
  • Dimensions: 8x8

Living Room

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 238
  • Dimensions: 17x14

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Property

Details

  • Parcel number: 71024.020001007005.000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Pasture

Lot

  • Lot size: 8,712 sqft
  • Features: Adjoins Open Ground,Back Yard,Views

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
Tornado

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 $960$11,520
Home Insurance *$185$2,220
Property Taxes $99$1,188
Electricity $141$1,693
Total$1,385$16,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,485/yr
40% on housing$41,550/yr
45% on housing$36,933/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 65559$125
Phelps County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 65559$135
Phelps County$138

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)

Price History

DateEventPrice
2026-07-24Listed for sale$189,900
2024-06-17Sold--
2024-06-16Pending sale$159,900
2024-05-12Contingent$159,900
2024-05-02Listed for sale$159,900
2024-04-25Contingent$159,900
2024-04-01Listed for sale$159,900
2019-05-28Listing removed$750
2019-05-01Listed for rent$750
2015-11-17Listing removed$750
2015-11-10Listed for rent$750
2015-10-14Sold--
2015-09-09Pending sale$84,900
2015-07-22Listed for sale$84,900

For Sale by Agent

AgentKelsey N Davis
BrokerageTHE CLOSERS

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