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4406 Windsor Ct, Saint Joseph, MO, 64506

4beds
3baths
2,682sqft
$399,900
$149price/sqft
$2,778/moest. monthly cost
$111,120/yrincome needed

About This Home

Take a look at this great 4 bed 3 bath front to back split. Several upgrades in this house is waiting for your personal touches to make this your new home. Situated in a cul-de-sac and offering a great floor plan with awesome primary suite and main floor laundry, this home offers plenty of space and a fantastic pool in the back to help cool you off on those hot summer days. Settle in for your favorite sporting event in the lower level rec room, the 4th bedroom is also located in the basement with a full bath down the hall. At the back of the garage you will find a small workshop to work on those little at home projects. Put this house on your must see. It ticks the boxes on your checklist.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
Oak Grove ElementaryGrades PK-60.8 mi
5/10
Bode Middle SchoolGrades 7-82.7 mi
4/10
Central High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Garage Entrance,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,682

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,682
  • Total interior livable area: 2,682 sqft

Property

Details

  • Parcel number: 037.035001000001.010

Features

  • Patio & porch: Patio,Porch
  • Spa features: Bath
  • Fencing: Wood

Lot

  • Lot size: 0.26 Acres
  • Features: City Limits,Cul-De-Sac
  • Lot size dimensions: 75 x 162

Parking

  • Total spaces: 2
  • Parking features: Attached,Basement
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $2,022$24,264
Home Insurance *$306$3,672
Property Taxes $246$2,952
Electricity $204$2,457
Total$2,778$33,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,245/yr
40% on housing$83,340/yr
45% on housing$74,080/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 64506$142
Buchanan County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 64506$136
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)

Price History

DateEventPrice
2026-07-28Listed for sale$399,900
2021-11-18Sold--
2021-10-11Pending sale$359,900
2021-10-04Price change$359,900
2021-09-17Listed for sale$369,900
2019-04-10Listing removed$264,900
2018-10-22Price change$264,900
2018-05-01Price change$279,900
2018-04-09Listed for sale$289,900

For Sale by Agent

AgentMarty Lyle
BrokerageTop Hand Property Services

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