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114 E Saint Paul St, Saint Joseph, MO, 64505

2beds
1baths
1,232sqft
$30,000
$24price/sqft
$341/moest. monthly cost
$13,640/yrincome needed

About This Home

Attention investors and rehab enthusiasts! This 2-bedroom, 1-bath property at 114 E. St. Paul offers an excellent opportunity to add value in the growing north St. Joseph market. With a new foundation, this property is ready for your vision. Whether you're looking for a fix-and-flip, long-term rental, or portfolio addition, the potential is here. Located in the historic north end of St. Joseph, the area continues to benefit from ongoing housing investment, neighborhood revitalization efforts, and city planning focused on improved connectivity, parks, and community development. New residential development and housing projects throughout St. Joseph demonstrate continued confidence in the local market and long-term growth potential. Families and future tenants will appreciate access to the St. Joseph School District, including Lindbergh Elementary, Robidoux Middle School, and Lafayette High School. The district continues to invest in student success through comprehensive improvement plans focused on academic achievement, career readiness, and positive learning environments. Conveniently located near major transportation routes, shopping, employment centers, and downtown amenities, this property presents an affordable entry point into one of St. Joseph's most active investment markets. Bring your tools, your creativity, and unlock the potential of this promising investment opportunity!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
4/10
Robidoux Middle SchoolGrades 6-81.8 mi
2/10
Lafayette High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1912

Materials

  • Roof: Composition
  • Construction materials: Concrete,Wood Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Other

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 616
  • Finished area above ground: 616

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 1,232 sqft

Property

Details

  • Parcel number: 063.005003002164.000

Lot

  • Lot size: 2,178 sqft
  • Lot size dimensions: 50 x 40

Parking

  • Parking features: Other

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 WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Strong Wind
Tornado

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 $151$1,812
Home Insurance *$31$372
Property Taxes $18$216
Electricity $141$1,693
Total$341$4,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$11,691/yr
40% on housing$10,230/yr
45% on housing$9,093/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

$24This listing

vs Other Active Listings

Avg $/sqft

ZIP 64505$134
Buchanan County$104

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
2026-06-08Listed for sale$30,000
2023-03-07Sold--
2023-02-27Pending sale$15,000
2022-10-10Listed for sale$15,000

For Sale by Agent

AgentCharles Boothe
BrokerageBeacon Realty, LLC

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