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6501 S 16th St, Saint Joseph, MO, 64504

2beds
1baths
2,000sqft
$279,000
$140price/sqft
$2,198/moest. monthly cost
$87,920/yrincome needed

About This Home

Perched proudly atop a beautiful, wooded hill, this stunning 4.85-acre property is the perfect blend of privacy, possibility, and pure country charm! Surrounded by mature trees and sweeping natural views, it feels like your own secluded retreat while still offering plenty of open, usable space for horses and outdoor living. Equestrian lovers will be thrilled with the established horse facilities already in place—ideal for riding, boarding, or simply enjoying your animals right at home. The elevated setting creates breathtaking sunrise and sunset views, cool breezes, and an incredible sense of peace and freedom. The inviting two-bedroom home is perfectly positioned to take in the scenic surroundings and offers exciting potential for expansion, including the opportunity to add additional bedrooms to suit your needs. Whether you envision enlarging the residence, creating a custom estate, building a thriving hobby farm, or designing the ultimate private retreat, the possibilities here are truly tremendous. Nearly five acres of hilltop beauty, usable land, and room to grow—this is more than a property, it’s an extraordinary opportunity waiting to be realized.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Hyde Elementary SchoolGrades K-50.9 mi
5/10
4/10
Benton High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1927

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,000

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 068.033003000041.000
  • Special condition: As Is
  • Horse amenities: Boarding Facilities

Features

  • Horses can be raised: Yes

Lot

  • Lot size: 4.85 Acres

Parking

  • Parking features: Off Street

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Heat Wave
Lightning
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 $1,410$16,920
Home Insurance *$464$5,568
Property Taxes $172$2,064
Electricity $152$1,832
Total$2,198$26,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,360/yr
40% on housing$65,940/yr
45% on housing$58,613/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

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 64504$59
Buchanan County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 64504$104
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
2026-02-13Listed for sale$279,000

For Sale by Agent

AgentStacey Sharp
BrokerageBHHS Stein & Summers Real Estate

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