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400 N 3rd St, Atchison, KS, 66002

4beds
2baths
4,722sqft
$365,000
$77price/sqft
$3,089/moest. monthly cost
$123,560/yrincome needed

About This Home

Step into timeless charm at 400 N 3rd Street an iconic 1895 home nestled in the heart of historic Atchison. Offering over 4,700 square feet, this 4-bedroom, 1.5-bath residence is full of character, space, and opportunity. From the moment you arrive, the expansive covered front porch sets the tone for the classic craftsmanship found throughout. Inside, you’ll find generously sized rooms, original architectural details, and endless potential to make this home truly your own. The layout provides flexibility for both everyday living and entertaining, while the size offers room to grow, create, and customize. Situated just minutes from downtown Atchison, local shops, dining, and area attractions, this property combines location, history, and value. Whether you’re looking to restore a historic gem or invest in a standout property, this home is a rare opportunity you won’t want to miss. Schedule your showing today and envision the possibilities!

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

3/10
3/10
Atchison Middle SchoolGrades 6-80.8 mi
4/10
Atchison High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1895

Materials

  • Roof: Composition
  • Construction materials: Brick/Mortar

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level,Off The Kitchen

Basement

  • Has basement: Yes
  • Basement: Unfinished,Stone/Rock

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Wood
  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 1,574
  • Finished area above ground: 3,148

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 4,722
  • Total interior livable area: 4,722 sqft

Property

Details

  • Parcel number: 0273604043004.000
  • Special condition: As Is

Features

  • Patio & porch: Screened
  • Fencing: Metal,Partial

Lot

  • Lot size: 4,791 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hail
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Kansas Counties

Flood
Snowstorm

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 $1,845$22,140
Home Insurance *$469$5,628
Property Taxes $398$4,776
Electricity $377$4,524
Total$3,089$37,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,908/yr
40% on housing$92,670/yr
45% on housing$82,373/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: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$77This listing

vs Other Active Listings

Avg $/sqft

ZIP 66002$93
Atchison County$92

vs Homes Sold Last Month

Median $/sqft

ZIP 66002$121
Atchison County$129

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
2026-04-22Listed for sale$365,000
2026-04-18Pending sale$365,000
2026-04-14Listed for sale$365,000

For Sale by Agent

AgentJess Norris
BrokerageGateway Real Estate & Auction

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