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39 Mackenzie Dr, Saint Joseph, MO, 64503

5beds
4baths
5,191sqft
$484,950
$93price/sqft
$3,690/moest. monthly cost
$147,600/yrincome needed

About This Home

Final Price Drop! Seller has committed to offering this price for one week. Soon after that it leave the market. If you're wanting space to stretch out, this "Stay-cation" home is perfect. Situated on about 1.6 acres, this 5,000-square-feet home has room to enjoy, inside and out. 5 bedrooms and 3.5 baths gives room for family or guests. It's like having your own private resort: a full in-ground swimming pool, hot tub enclosed in a gazebo, trickling fountain, fire pit, and a huge expansive deck give you peerless outdoor enjoyment. Large solar arrays outside keep utility costs extremely low. Inside, a large lower-level great room includes a home theater area plus much more space for a game room or living space. Your primary suite is so large that it should have its own zip code! Add to that a climate-controlled wine cellar and workshop and you have the complete package. Now with an additional $15K price improvement!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

4/10
Pickett Elementary SchoolGrades PK-61.9 mi
2/10
Truman Middle SchoolGrades 7-83.0 mi
4/10
Central High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Composition
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Stainless Steel Appliance(s),Water Softener
  • Laundry features: Laundry Room,Off The Kitchen

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Basement BR,Finished,Walk-Out Access

Bathroom2

  • Level: Second

Bathroom3

  • Level: Basement

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Level: Main

Features

  • Ceiling Fan(s),Kitchen Island,Pantry,Stained Cabinets,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Basement,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,768
  • Finished area above ground: 3,423

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 5,191
  • Total interior livable area: 5,191 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Features: Double Vanity
  • Level: Main

Master Bedroom

  • Features: All Carpet
  • Level: Main

Workshop

  • Level: Basement

Property

Details

  • Parcel number: 068.034000000001.064

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Deck,Patio
  • Exterior features: Fire Pit
  • Has spa: Yes
  • Spa features: Heated,Hot Tub
  • Fencing: Wood

Lot

  • Lot size: 1.46 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,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 WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Tornado
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 $2,452$29,424
Home Insurance *$543$6,516
Property Taxes $299$3,588
Electricity $396$4,756
Total$3,690$44,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,514/yr
40% on housing$110,700/yr
45% on housing$98,400/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

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 64503$77
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
2026-08-11Price change$474,950
2026-08-03Price change$484,950
2026-07-11Price change$494,950
2026-06-04Price change$499,950
2026-06-02Listed for sale$524,950
2026-05-28Contingent$524,950
2026-05-21Listed for sale$524,950
2026-04-29Listing removed$549,950
2026-04-17Price change$549,950
2026-02-26Price change$564,950
2026-02-21Listed for sale$550,000
2025-10-10Listing removed$574,500
2025-09-06Price change$574,500
2025-09-04Price change$585,000
2025-08-29Listed for sale$595,000
2022-08-31Sold--
2022-07-16Pending sale$524,900
2022-07-01Listed for sale$524,900
2021-12-27Sold--
2021-11-28Pending sale$499,000
2021-10-18Price change$499,000
2021-10-04Listed for sale$549,900

For Sale by Agent

AgentRichard Berry
BrokerageThe Siscos Group Realtors

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