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3503 Easy St, Saint Joseph, MO, 64503

4beds
3baths
2,640sqft
$349,500
$132price/sqft
$2,574/moest. monthly cost
$102,960/yrincome needed

About This Home

Welcome to life on Easy Street! Nestled on a quiet cul-de-sac and surrounded by nature, this beautifully maintained 4-5 bedroom, one owner ranch home offers the perfect combination of comfort, efficiency, and flexible living space. Built in 2005 and thoughtfully updated, this home is ready for its next owners to move right in and enjoy. The expanded floor plan provides for a spacious kitchen with plenty of room for cooking, gathering, and entertaining. The main level also features convenient laundry, a comfortable primary suite, two additional bedrooms, and a full bathroom. Attached garage features EV car charger. The thoughtful layout offers both functionality and room to spread out. Downstairs, the finished lower level expands your living space with a large family room, a fourth bedroom complete with a walk-in closet, and a third full bathroom. You'll also find a fifth non-conforming bedroom that makes an ideal home office, craft room, workout space, or guest room. One of the standout features of this home is its impressive energy efficiency. Recent updates include a new upgraded, insulated HVAC system designed to maximize comfort while keeping utility costs remarkably low. You'll be amazed at the savings and year-round efficiency. Located in a peaceful setting with wonderful neighbors and abundant natural surroundings, this home offers the tranquility you've been looking for while still providing all the space and conveniences you need. Don't miss your opportunity to make life on Easy Street a reality!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
Pickett Elementary SchoolGrades PK-60.7 mi
2/10
Truman Middle SchoolGrades 7-81.6 mi
4/10
Central High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2005

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Full,Walk-Out Access

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

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

Features

  • Painted Cabinets,Pantry,Smart Thermostat,Walk-In Closet(s)
  • Flooring: Carpet,Luxury Vinyl,Tile
  • Finished area below ground: 1,267
  • Finished area above ground: 1,373

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Attic Fan,Electric

Interior Area

  • Total structure area: 2,640
  • Total interior livable area: 2,640 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 065.022004000191.061

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 8,219 sqft
  • Features: Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Attached,Electric Vehicle Charging Station(s),Garage Door Opener
  • 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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
Lightning
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 $1,767$21,204
Home Insurance *$391$4,692
Property Taxes $215$2,580
Electricity $201$2,419
Total$2,574$30,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,251/yr
40% on housing$77,220/yr
45% on housing$68,640/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

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 64503$75
Buchanan County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 64503$119
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
2026-07-29Price change$349,500
2026-07-20Price change$359,900
2026-07-10Price change$364,900
2026-07-07Price change$369,900
2026-07-02Price change$374,900
2026-06-19Listed for sale$384,900

For Sale by Agent

AgentAmy Voltz
BrokerageKeller Williams KC North

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