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13 Russell Dr, Bismarck, MO, 63624

3beds
1baths
2,149sqft
$250,000
$116price/sqft
$1,985/moest. monthly cost
$79,400/yrincome needed

About This Home

Don't miss your chance to see this spacious 3-bedroom, 1-bath home with more room than you might expect! A large addition on the back of the home expanded the living space to include a generous living room, dining area, and a kitchen that's been doubled in size—perfect for everyday living and entertaining. The split-level foyer offers a welcoming entrance, while the primary bedroom includes the potential to add a private bathroom through the existing closet space. Outside, you'll appreciate the large side yard that adjoins a city easement, giving the property an even more open feel. Solar panels help add energy efficiency and long-term savings. If you're looking for a home with plenty of space, future potential, and a great layout, this one is definitely worth a look. Schedule your showing today before it's gone!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

8/10
4/10
Bismarck R-V High SchoolGrades 6-120.2 mi

Construction

Condition

  • Year built: 1978

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Split Foyer
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area above ground: 1,404

Heating & Cooling

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

Interior Area

  • Total structure area: 2,149
  • Total interior livable area: 2,149 sqft

Property

Details

  • Parcel number: 15305B220040008.00
  • Special condition: Standard

Features

  • Levels: Multi/Split

Lot

  • Lot size: 0.43 Acres
  • Features: Level

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,264$15,168
Home Insurance *$426$5,112
Property Taxes $131$1,572
Electricity $164$1,969
Total$1,985$23,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,057/yr
40% on housing$59,550/yr
45% on housing$52,933/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: 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

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 63624$123
St. Francois County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 63624$112
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)

Price History

DateEventPrice
2026-08-13Price change$244,900
2026-07-27Listed for sale$250,000

For Sale by Agent

AgentMisty Castleberry
BrokerageTriple Creek Realty LLC

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