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611 N Division St, Bonne Terre, MO, 63628

2beds
1baths
988sqft
$130,000
$132price/sqft
$1,005/moest. monthly cost
$40,200/yrincome needed

About This Home

This 2-bedroom, 1-bath home sits on a generous 0.35-acre lot and offers a great canvas for your next project. Original hardwood floors are intact and ready to shine with a simple deep clean. The home features a 10-year-old roof, an unfinished basement with a wood stove, and a solid foundation to customize your way. A refrigerator and stove stay with the property. Perfect for investors or DIY buyers looking to update flooring, plumbing, and finishes to build quick equity. Sold as-is.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
3/10
North Co. Middle SchoolGrades 7-84.5 mi
3/10
North Co. Sr. High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 988

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Gas

Interior Area

  • Total structure area: 988
  • Total interior livable area: 988 sqft

Kitchen

  • Level: Main
  • Area: 170
  • Dimensions: 17x10

Living Room

  • Level: Main
  • Area: 306
  • Dimensions: 18x17

Primary Bedroom

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Property

Details

  • Parcel number: 071011040060003.00
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 0.35 Acres
  • Features: Back Yard

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 WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $657$7,884
Home Insurance *$139$1,668
Property Taxes $68$816
Electricity $141$1,693
Total$1,005$12,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,457/yr
40% on housing$30,150/yr
45% on housing$26,800/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

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 63628$156
St. Francois County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 63628$134
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
2026-08-17Price change$115,000
2026-08-06Price change$120,000
2026-07-20Listed for sale$130,000
2017-04-27Sold--
2017-03-19Pending sale$84,900
2017-02-18Listed for sale$84,900
2012-11-07Sold--
2012-10-10Pending sale$84,500
2012-09-21Listed for sale$84,500

For Sale by Agent

AgentJohn David
BrokerageUSRealty.com, LLP

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