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5201 Cook Rd, Saint Joseph, MO, 64505

3beds
3baths
2,400sqft
$549,900
$229price/sqft
$3,871/moest. monthly cost
$154,840/yrincome needed

About This Home

The views alone set this property apart! Perched to capture miles of sweeping countryside, this stunning 1895 farmhouse has been fully reimagined while preserving its timeless charm. Renovated down to the studs in 2023 and thoughtfully enhanced in 2024, the home offers modern efficiency, exceptional craftsmanship, and a setting that simply can’t be replicated. Inside, the 3-bedroom, 2.5-bath layout is both inviting and functional, featuring open living and dining spaces, a cozy fireplace, a built-in office nook, and a beautifully designed kitchen with a large island and abundant storage—perfect for everyday living or entertaining. Composite front and rear porches provide front-row seats to the breathtaking scenery. Two detached garages deliver rare flexibility: a convenient 2-car garage near the home, plus a second garage down the hill with 220V power and tandem space for up to four vehicles, ideal for hobbyists, storage, or a workshop. The full stacked-stone basement offers generous storage and includes a unique bonus room beneath the porch with a cozy speakeasy-style feel. A spacious unfinished attic with dormer windows presents exciting potential for future expansion. With efficient modern systems, extensive recent improvements, and unforgettable views in every direction, this one-of-a-kind property offers enduring value, character, and convenience—ready for its next chapter.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
Oak Grove ElementaryGrades PK-60.3 mi
4/10
Robidoux Middle SchoolGrades 6-83.7 mi
2/10
Lafayette High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 1895

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Bedroom Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Pantry,Stained Cabinets
  • Number of fireplaces: 1
  • Fireplace features: Dining Room,Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,400

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 2,400 sqft

Property

Details

  • Parcel number: 037.025004000025.000

Features

  • Patio & porch: Porch

Lot

  • Lot size: 1.45 Acres

Parking

  • Total spaces: 4
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $2,780$33,360
Home Insurance *$569$6,828
Property Taxes $339$4,068
Electricity $183$2,199
Total$3,871$46,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,720/yr
40% on housing$116,130/yr
45% on housing$103,226/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 64505$125
Buchanan County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 64505$121
Buchanan County$119

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
2026-02-04Price change$584,000
2025-09-11Price change$599,000
2025-08-11Listed for sale$635,000
2023-07-18Sold--
2023-06-15Pending sale$479,000
2023-05-31Price change$479,000
2023-05-20Price change$486,500
2023-04-19Listed for sale$489,000
2021-12-06Sold--
2021-10-28Pending sale$140,000
2021-10-21Price change$140,000
2021-09-24Price change$160,000
2021-09-14Listed for sale$250,000

For Sale by Agent

AgentRamseier Group
BrokerageKeller Williams KC North

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