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104 Polk St, Chillicothe, MO, 64601

3beds
2baths
1,870sqft
$199,900
$107price/sqft
$1,499/moest. monthly cost
$59,960/yrincome needed

About This Home

Step inside to appreciate the beautiful original woodwork, cozy fireplace, and custom built-ins that add warmth and timeless appeal. Updated kitchen is sure to impress with new stainless steel appliances, a functional island, and plenty of workspace—ideal for both everyday living and entertaining. A convenient main-level laundry area and half bath add to the home's practicality. Upstairs, you'll find three bedrooms and a full bath, providing privacy and space for the whole family. Outside, enjoy relaxing mornings on the front porch or hosting gatherings on the deck just off the kitchen. The property also features a spacious 24x30 detached garage with concrete and electric. The exterior of the house has been painted and the front porch and deck have been stained. This includes extra lot.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

--
Dewey Elementary SchoolGrades PK-12.1 mi
3/10
8/10
Chillicothe High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1925

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven/Range,Refrigerator,Gas Water Heater
  • Laundry features: Laundry Hookup: Main Level

Basement

  • Basement: Full,Unfinished

Bathroom1

  • Level: Upper
  • Area: 50

Bathroom2

  • Level: Main
  • Area: 42

Bedroom1

  • Level: Upper
  • Area: 130

Bedroom2

  • Level: Upper
  • Area: 80

Bedroom3

  • Level: Upper
  • Area: 165

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132

Features

  • Dry Wall
  • Door features: Storm Door(s)
  • Window features: Screens,Vinyl,Wood Frames,Some Window Treatments
  • Flooring: Ceramic Tile,Laminate
  • Number of fireplaces: 1
  • Fireplace features: One
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,870

Heating & Cooling

  • Heating features: Forced Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,870
  • Total interior livable area: 1,870 sqft

Kitchen

  • Level: Main
  • Area: 150

Living Room

  • Level: Main
  • Area: 242

Property

Details

  • Parcel number: 060700364030200

Features

  • Levels: Two
  • Patio & porch: Deck,Front Porch
  • Fencing: Wood

Lot

  • Lot size: 0.39 Acres
  • Lot size dimensions: 163x102

Parking

  • Total spaces: 2
  • Parking features: Two Car
  • 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

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

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Flood
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 $1,010$12,120
Home Insurance *$223$2,676
Property Taxes $124$1,488
Electricity $142$1,713
Total$1,499$17,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,394/yr
40% on housing$44,970/yr
45% on housing$39,973/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -6.2%
-6.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 64601$94
Livingston County$90

vs Homes Sold Last Month

Median $/sqft

ZIP 64601
Livingston County$117

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)

No zestimate history available

Price History

DateEventPrice
2026-04-08Price change$219,900
2026-02-06Listed for sale$229,900
2024-02-10Listing removed$199,000
2024-02-02Pending sale$199,000
2024-01-26Sold--
2023-12-08Listed for sale$199,000
2021-03-24Listing removed--
2017-03-25Listing removed$124,900
2017-02-03Listed for sale$124,900
2016-04-29Listing removed--
2016-04-08Listed for sale$10,000
2016-03-28Sold--
2016-03-25Price change$36,500
2016-02-23Listed for sale--

For Sale by Agent

AgentLindy Lile
BrokerageGaslight Real Estate

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