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4904 Aegean Ter, Saint Joseph, MO, 64506

5beds
5baths
4,237sqft
$570,000
$135price/sqft
$3,992/moest. monthly cost
$159,680/yrincome needed

About This Home

This exquisite 5 bedroom, 4 1/2 bath home with three car garage is located in the much-desired Corinth Estates. Elegance exudes throughout the home with all of the finished details. The main floor offers a formal dining room and an office that you enter through french doors. The open kitchen boasts beautiful cabinets with granite countertops and an eat-in kitchen. The laundry room is on the main floor as well and is conveniently located right off the kitchen. The kitchen opens up to the gorgeous living room with two-story windows that offer an abundance of natural light and a cozy fireplace. The four-season room was recently added on. It has its own heating/cooling system and is the perfect space for reading a book, drinking your morning coffee, or watching the snow fall. The "WOW" factor hits you the second you walk in the front door. The grand staircase leads up to four spacious bedrooms and three full bathrooms. The oversized primary bedroom/bathroom is HUGE and a great place to escape after a long day. The finished walk-out basement offers additional space for entertaining, a game room, or theater room. There is a separate entrance to enter the 5th bedroom in the basement which also has a full bathroom and walk-in closet. This has great potential to be a Mother-In-Law's Suite, a teenager's paradise, or rent the space as an Airbnb for income potential. The back of the property is lined with trees for extra privacy. There is also an attached storage shed for the lawnmower, outdoor tools, etc. Bonus--All of the kitchen appliances, washer, and dryer stay with the home! All you have to do is move in! The seller is willing to offer a $5,500.00 allowance at closing for interior finishes/carpet cleaning (whatever the buyers choose to use it for) with a reasonable offer!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10
Oak Grove ElementaryGrades PK-60.2 mi
5/10
Bode Middle SchoolGrades 7-83.3 mi
4/10
Central High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,228
  • Finished area above ground: 3,009

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,237
  • Total interior livable area: 4,237 sqft

Property

Details

  • Parcel number: 037.036002000001.045

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,882$34,584
Home Insurance *$436$5,232
Property Taxes $351$4,212
Electricity $323$3,882
Total$3,992$47,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,868/yr
40% on housing$119,760/yr
45% on housing$106,453/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

$135This 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
2026-08-07Price change$549,000
2026-05-14Listed for sale$570,000

For Sale by Agent

AgentJacqui STITES
BrokerageThe St.Joe Real Estate Group,

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