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217 Anna St, Saint James, MO, 65559

1beds
1baths
672sqft
$117,000
$174price/sqft
$907/moest. monthly cost
$36,280/yrincome needed

About This Home

Massive 4-Lot Property with Endless Potential in St. James! Uncover a rare real estate opportunity at 217 Anna Street! Perfectly situated smack in the middle of a sprawling 4-lot package (approx. 0.50 acres total), this property offers a charming, low-maintenance 1-bedroom, 1-bathroom home wrapped in an abundance of open space. Whether you are looking for an affordable, minimalist lifestyle, a profitable rental addition, or a prime piece of land with room to expand, this listing delivers versatility that is tough to find. The cozy, single-level interior layout maximizes every square foot, offering a simple and highly efficient floor plan that cuts out wasted space and minimizes utilities. The true crown jewel of this listing is the exceptional outdoor footprint. Because the cottage sits squarely in the middle of four combined lots, you are inheriting an oversized buffer of privacy. Use the blank-canvas acreage to build a massive detached garage, seed a large homestead garden, fence in a massive playground for pets, or explore development potential. Located in the welcoming community of St. James, you are just a short drive from local wineries, beautiful state parks, shopping, and quick access to Interstate 44. Seize a property with genuine room to grow—schedule your showing today!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
St. James Middle SchoolGrades 6-81.4 mi
6/10
St. James High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Cottage
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 672

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 672
  • Total interior livable area: 672 sqft

Property

Details

  • Parcel number: 71029.029002012002.000
  • Attached to another structure: Yes
  • Special condition: Listing As Is

Features

  • Levels: One

Lot

  • Lot size: 0.51 Acres
  • Features: Adjoins Wooded Area,Back Yard,Cleared,Corners Marked,Few Trees,Front Yard,Private

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 $591$7,092
Home Insurance *$114$1,368
Property Taxes $61$732
Electricity $141$1,693
Total$907$10,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,097/yr
40% on housing$27,210/yr
45% on housing$24,186/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 65559$128
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)

No zestimate history available

Price History

DateEventPrice
2026-07-21Price change$117,000
2026-06-05Listed for sale$125,000

For Sale by Agent

AgentMichelle Harris
BrokerageCentury 21 First Choice-Rolla

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