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46 Northridge Dr, Saint Joseph, MO, 64506

3beds
3baths
2,099sqft
$262,000
$125price/sqft
$1,845/moest. monthly cost
$73,800/yrincome needed

About This Home

Welcome to Northridge! 3 bedroom, 3 bath raised ranch on a corner lot with a 2 car garage. Love the all season room (with skylights) that leads out to a backyard oasis, stamped patio, fruit trees, shed, & privacy fenced. Home features hardwood floors, built in china cabinet & bookcases. Dining area open to the kitchen, main floor master, finished basement & garage has a walkout door. Specialty appliances in the kitchen (Big Chill) stay with the home as well as the washer & dryer. Close to the North Shoppes & restaurants.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
4/10
Robidoux Middle SchoolGrades 6-81.2 mi
2/10
Lafayette High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Composition
  • Construction materials: Stone Trim,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Washer
  • Laundry features: Lower Level

Basement

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

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Pantry,Vaulted Ceiling(s)
  • Door features: Storm Door(s)
  • Window features: Skylight(s),Thermal Windows
  • Flooring: Carpet,Vinyl,Wood
  • Finished area below ground: 700
  • Finished area above ground: 1,399

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Attic Fan,Electric

Interior Area

  • Total structure area: 2,099
  • Total interior livable area: 2,099 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 038.027003001134.000

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.27 Acres
  • Features: City Limits,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached,Basement,Garage Door Opener,Garage Faces Front
  • 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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Tornado
Hail
Strong Wind
Winter Weather

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 $1,324$15,888
Home Insurance *$200$2,400
Property Taxes $161$1,932
Electricity $160$1,923
Total$1,845$22,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,257/yr
40% on housing$55,350/yr
45% on housing$49,200/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 64506$143
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$262,000
2026-08-10Listed for sale$262,000

For Sale by Agent

AgentBarbara RICH
BrokerageRE/MAX PROFESSIONALS

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