2028 Clay St, Saint Joseph, MO, 64501
About This Home
Timeless architecture, extraordinary craftsmanship, and over 5,100 square feet of beautifully preserved history - this stately all-brick residence is truly one of a kind. From the moment you enter through the original leaded glass doors, the grand foyer sets the tone with soaring ceilings, rich hardwood floors, and remarkable millwork that simply cannot be replicated today. The main level showcases stunning walnut-paneled formal dining, box-beamed ceilings, built-ins, multiple fireplaces, and a gracious great room designed for gathering. The updated kitchen blends historic character with modern function, featuring custom cabinetry, granite countertops, a gas cooktop, double ovens, a pantry, and seamless access to the butler’s pantry and formal dining room. A dream office with a wet bar offers flexibility for work or entertaining. Upstairs, the second level offers a luxurious primary suite with a newly remodeled master bath, along with additional spacious bedrooms - including private bath access and a charming sunroom retreat. The third level continues the story with two large bedrooms, a full bath, bonus living space, and endless possibilities for guests, hobbies, or play. Recent improvements provide peace of mind and efficiency, including a new furnace, an added security system, a pellet stove, zoned HVAC, and solar panels. A half bath has been added in the basement for convenience. Outside, enjoy the expansive deck and covered porch overlooking the property, plus a 3+ car carriage-style garage with potential for studio, workshop, or guest quarters. Historic elegance. Modern updates. Grand scale. This is more than a home - it’s a legacy property.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1893
Materials
- Roof: Composition
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Double Oven,Refrigerator,Stainless Steel Appliance(s)
- Laundry features: Bedroom Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Interior Entry,Unfinished,Bath/Stubbed
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 3
- 1/2 bathrooms: 2
Features
- Cedar Closet,Ceiling Fan(s),Custom Cabinets,Kitchen Island,Pantry,Walk-In Closet(s),Wet Bar
- Flooring: Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Great Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 5,135
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Electric
Interior Area
- Total structure area: 5,135
- Total interior livable area: 5,135 sqft
Property
Details
- Parcel number: 062.009002004084.000
Features
- Patio & porch: Deck,Porch
- Exterior features: Dormer
- Fencing: Metal,Privacy,Wood
Lot
- Lot size: 0.39 Acres
- Features: City Limits,Corner Lot
Parking
- Total spaces: 3
- Parking features: Detached,Garage Door Opener,Secured
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Tornado
- Hail
- Heat Wave
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,401 | $28,812 |
| Home Insurance * | $637 | $7,644 |
| Property Taxes | $292 | $3,504 |
| Electricity | $392 | $4,705 |
| Total | $3,722 | $44,664 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-27 | Listed for sale | $525,000 |
| 2022-06-28 | Sold | -- |
| 2022-05-29 | Pending sale | $385,000 |
| 2022-05-29 | Contingent | $385,000 |
| 2022-05-06 | Listed for sale | $385,000 |
| 2018-08-06 | Sold | -- |
| 2018-07-01 | Pending sale | $299,900 |
| 2018-07-01 | Listed for sale | $299,900 |
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