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307 Carter St, Farmington, MO, 63640

3beds
2baths
1,500sqft
$225,000
$150price/sqft
$1,603/moest. monthly cost
$64,120/yrincome needed

About This Home

SOLID BRICK RANCH HOME WITH THREE BEDROOMS TWO BATH AND FULL PARTIALY FINISHED BASEMENT. FIREPLACE UPSTAIRS AND WOOD STOVE DOWNSTAIRS. THE HOUSE DOES HAVE THE ORIGINAL HARDWOOD FLOORS UNDER CARPET. BASEBOARD HEAT WITH CENTRAL AIR. HAS NEW ROOF WITH IMPACT SHINGLES. ELECTRIC PANEL UPDATE 10 YEARS AGO, ALONG WITH NEW WATER HEATER 4 YEARS AGO. NICE STORAGE BUILDING OUT BACK. NEW PAINTED WALLS AND CEILINGS THIS YEAR. I HAVE ORIGINAL BLUEPRINTS TO THE HOME. ONE BLOCK AWAY FROM FARMINGTON R7 ELEMENTARY, INTERMEDIATE, AND MIDDLE SCHOOL. ONE OF THE BEST NEIGHBORHOODS IN FARMINGTON. VERY CLOSE TO DOWNTOWN. HOME TO BE SOLD AS IS.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

5/10
6/10
Farmington Middle SchoolGrades 7-80.3 mi
5/10

Construction

Condition

  • Year built: 1960

Materials

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

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Concrete,Hardwood,Laminate
  • Fireplace features: masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Forced air,Radiant,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 13300602003001000

Features

  • Exterior features: Vinyl,Wood,Brick
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport,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

  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Strong Wind
Winter Weather
Cold Wave
Earthquake
Hail
Lightning
Tornado

FEMA Declared Disasters Across Missouri Counties

Flood
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 $1,137$13,644
Home Insurance *$207$2,484
Property Taxes $118$1,416
Electricity $141$1,693
Total$1,603$19,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,960/yr
40% on housing$48,090/yr
45% on housing$42,746/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 63640$216
St. Francois County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 63640$146
St. Francois County$143

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
2026-07-21Listed for sale$225,000

For Sale by Owner

AgentProperty Owner

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