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433 W State St, Troy, KS, 66087

4beds
5baths
4,280sqft
$515,000
$120price/sqft
$4,096/moest. monthly cost
$163,840/yrincome needed

About This Home

Step into timeless elegance with this stunning Victorian-style brick home situated on 1.7 acres at 433 W State St in Troy, KS. Boasting 2.5 stories and an impressive 4,280 square feet of living space, this one-of-a-kind property blends historic charm with generous space for modern living. Inside, you’ll find 4 spacious bedrooms and 4.5 bathrooms, along with exquisite original woodwork that showcases the craftsmanship and character of the home. The inviting layout offers multiple living areas perfect for entertaining or relaxing, while the sunroom provides a bright and serene space to enjoy year-round. Outside, the expansive property features a detached garage and a large driveway with ample parking—ideal for guests, gatherings, or additional vehicles. The 1.7-acre lot offers plenty of room to enjoy the outdoors, garden, or simply take in the peaceful surroundings

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Troy Elementary SchoolGrades PK-50.2 mi
4/10

Construction

Condition

  • Year built: 1852

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Laundry features: Bedroom Level

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Unfinished

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bathroom4

  • Level: Upper

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 4,280

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,280
  • Total interior livable area: 4,280 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Sun Room

  • Level: Second

Property

Details

  • Parcel number: 1042002004007.000

Lot

  • Lot size: 1.70 Acres

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

  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Drought
Hail
Cold Wave
Heat Wave
Ice Storm
Landslide
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Kansas Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $2,604$31,248
Home Insurance *$761$9,132
Property Taxes $390$4,680
Electricity $341$4,101
Total$4,096$49,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,434/yr
40% on housing$122,880/yr
45% on housing$109,226/yr

Kansas FAIR Plan Programs

Kansas All-Industry Placement Facility

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 11,507Commercial: 209
Total Premiums$9.41M
Total Exposure$949,000

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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 66087$178
Doniphan County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 66087$127
Doniphan County$127

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
2026-05-04Listed for sale$515,000
2025-12-29Listing removed$600,000
2025-10-13Price change$600,000
2025-05-28Listed for sale$629,000
2025-05-20Listing removed$649,000
2025-05-12Price change$649,000
2024-08-28Listed for sale$675,000
2024-08-08Listing removed--
2024-06-25Price change$675,000
2023-12-06Listed for sale$690,000

For Sale by Agent

AgentHeather Vernon
BrokerageHeartland Realty Midwest LLC

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