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2816 Sacramento St, Saint Joseph, MO, 64507

2beds
3baths
1,700sqft
$125,000
$74price/sqft
$1,040/moest. monthly cost
$41,600/yrincome needed

About This Home

This charming 2-story home at 2816 Sacramento in St. Joseph, Missouri blends timeless character with everyday comfort! Offering 2 bedrooms, 2 full baths, and 1 half bath across approximately 1,700 square feet, this home is full of historic charm and warm details throughout. Over 100 years old, you’ll fall in love with the gorgeous original wood floors, rich trim work, and beautiful wood doors that showcase the craftsmanship of a bygone era. The spacious layout provides comfortable living and entertaining space while maintaining all the character you hope to find in a historic home. Step outside to enjoy the backyard featuring a brand-new privacy fence, perfect for relaxing, pets, or entertaining guests. A detached 1-car garage adds convenience and extra storage. If you’ve been searching for a home with personality, history, and charm that you simply can’t recreate, this St. Joseph gem is a must-see!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

2/10
2/10
Truman Middle SchoolGrades 7-80.7 mi
4/10
Central High SchoolGrades 9-120.9 mi

Construction

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Other
  • Fireplace: Yes
  • Finished area above ground: 1,700

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Electric,Window Unit(s)

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Living Room

  • Level: Main

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 065.015003002103.000
  • Exclusions: Detached Garage

Features

  • Patio & porch: Deck,Porch
  • Fencing: Wood

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 52 x 127

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado
Hail
Ice Storm
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 $632$7,584
Home Insurance *$190$2,280
Property Taxes $77$924
Electricity $141$1,693
Total$1,040$12,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,657/yr
40% on housing$31,200/yr
45% on housing$27,733/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

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 64507$108
Buchanan County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 64507$117
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
2026-05-14Listed for sale$150,000
2021-05-20Sold--
2019-07-31Listing removed$84,900
2019-04-16Listed for sale$84,900
2019-03-08Pending sale$84,900
2019-01-26Listed for sale$84,900

For Sale by Agent

AgentAbby Powers
BrokerageThe Real Estate Store LLC

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