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825 High St, Fulton, MO, 65251

7beds
6baths
4,889sqft
$280,000
$57price/sqft
$2,175/moest. monthly cost
$87,000/yrincome needed

About This Home

One-of-a-kind custom home with room for everyone! Set in the heart of historic Fulton, this distinctive, custom-built 3-story home delivers exceptional space and flexibility that's nearly impossible to find. Built in 2000, the property offers approximately 4,800+ sq ft of above-ground living area plus an unfinished 700+ sq ft basement (with an interior and exterior entrance), all wrapped in warm cedar-shake siding with signature red trim and lush, mature landscaping. With 7 bedrooms, 6 bathrooms, 3 kitchens, and two laundry units, this home is built for multi-generational living, hosting extended family, or generating rental income. The main level showcases an open-concept layout anchored by a spacious kitchen with tile countertops and bar seating on both sides, flowing seamlessly into a generous dining area and a welcoming living room with a fireplace. Rich wood paneling, exposed beams, and gleaming hardwood floors give the interior genuine character throughout. A deck ramp provides easy, accessible entry to the main living space. Upstairs, two bedrooms enjoy their own private bathrooms, and a second full kitchen makes ideal secondary living quarters. Two bright balcony-style rooms -- one at the front, one at the back -- are flooded with natural light through banks of windows, perfect for morning coffee or a quiet reading nook. Throughout the home, custom built-in shelving and abundant storage make organization effortless, while the many flexible rooms invite you to create offices, studios, playrooms, or guest suites to suit your needs. Outdoor living is just as impressive. Relax on the covered front porch, enjoy the covered side porch that doubles as a sunny garden/greenhouse room, or entertain on the large patio featuring a built-in chimenea. A storage shed rounds out the exterior -- ideal for gardening tools and weekend projects. The home sits minutes from Fulton's beautiful Brick District with everyday conveniences and recreation. Nearby Veterans Park, 2 blocks away, is home to the City of Fulton Legends Rec-Plex (808 State Street), a 46,000 sq ft community center with a fitness center, gymnasium, indoor turf field, walking track, batting cages, and banquet space. Bush Elementary School, part of the Fulton 58 School District, is right beside the park -- an easy walk for families. Fulton is a vibrant college town, home to Westminster College and William Woods University, and a regional hub for employment. Major area employers include the Fulton State Hospital, the public school district, the universities, Walmart, and the Ameren Callaway Nuclear Plant about 13 miles southeast. For commuters, downtown Jefferson City is roughly 25 miles southwest (about 30 minutes), placing state-government jobs within easy reach, while Columbia lies about 25-30 miles to the west (around 30-35 minutes), offering the University of Missouri, major medical centers, shopping, and dining. Whether you're seeking a spacious family residence, a multi-generational compound, or a property with built-in income potential, this remarkable home offers space, character, and an unbeatable central-Missouri location. Square footage is approximate; buyers should verify all measurements, room counts, online data, zoning, and school assignments independently. Prospective buyers, please ensure you have a preapproval letter or proof of funds ready before scheduling a showing. Seller will have a survey to estimated boundaries on the attached aerial.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Bush Elementary SchoolGrades 1-50.1 mi
4/10
Fulton Middle SchoolGrades 6-80.6 mi
3/10
Fulton Sr. High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2000

Materials

  • Construction materials: Wood Siding

Other

  • Builder name: Gary Nason

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Dryer,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Walk-Up Access,Interior Entry,Partial,Crawl Space

Bathroom

  • Level: Main
  • Area: 45.9
  • Dimensions: 11.25 x 4.08

Bathroom

  • Level: Main
  • Area: 34.645
  • Dimensions: 5.33 x 6.5

Bathroom

  • Level: Upper
  • Area: 161.7
  • Dimensions: 10.5 x 15.4

Bathroom

  • Level: Upper
  • Area: 51.33
  • Dimensions: 7.25 x 7.08

Bathroom

  • Level: Upper
  • Area: 65.1036
  • Dimensions: 9.08 x 7.17

Bathroom

  • Level: Upper
  • Area: 54.25
  • Dimensions: 7.75 x 7

Bedroom2

  • Level: Upper
  • Area: 187.6864
  • Dimensions: 13.33 x 14.08

Bedroom3

  • Level: Upper
  • Area: 51.33
  • Dimensions: 7.25 x 7.08

Bedroom4

  • Level: Upper
  • Area: 104.2161
  • Dimensions: 9.33 x 11.17

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Main
  • Area: 229.9264
  • Dimensions: 14.08 x 16.33

Dining Room

  • Level: Main
  • Area: 202.965
  • Dimensions: 19.33 x 10.5

Family Room

  • Level: Upper
  • Area: 199.626
  • Dimensions: 14.7 x 13.58

Features

  • Bar,Pantry,Walk-In Closet(s)
  • Flooring: Wood
  • Fireplace features: Other
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,870

Heating & Cooling

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

Interior Area

  • Total structure area: 4,889
  • Total interior livable area: 4,889 sqft

Kitchen

  • Level: Main
  • Area: 132.65
  • Dimensions: 7.58 x 17.5

Kitchen

  • Level: Main
  • Area: 132.65
  • Dimensions: 7.58 x 17.5

Laundry

  • Level: Upper
  • Area: 24.48
  • Dimensions: 4.08 x 6

Living Room

  • Level: Main
  • Area: 229.9264
  • Dimensions: 14.08 x 16.33

Other

  • Level: Main
  • Area: 106.875
  • Dimensions: 11.25 x 9.5

Other

  • Level: Main
  • Area: 105.9636
  • Dimensions: 9.08 x 11.67

Primary Bedroom

  • Level: Upper
  • Area: 158.3589
  • Dimensions: 10.33 x 15.33

Sunroom

  • Level: Main
  • Area: 169.215
  • Dimensions: 14.5 x 11.67

Property

Details

  • Parcel number: 1305.016.010003036.000

Features

  • Levels: Three Or More,Tri-Level

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: To be surveyed

Parking

  • Parking features: Shared Driveway
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,415$16,980
Home Insurance *$233$2,796
Property Taxes $154$1,848
Electricity $373$4,480
Total$2,175$26,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,571/yr
40% on housing$65,250/yr
45% on housing$58,000/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: 2.1%
2.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$57This listing

vs Other Active Listings

Avg $/sqft

ZIP 65251$127
Callaway County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 65251$150
Callaway County$183

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
2026-06-11Price change$280,000
2026-05-29Listed for sale$295,000

For Sale by Agent

AgentSuzanna Wolfe
BrokerageWolfe Realty

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