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412 North St, Hannibal, MO, 63401

4beds
3baths
2,660sqft
$295,000
$111price/sqft
$2,239/moest. monthly cost
$89,560/yrincome needed

About This Home

You will fall in love with this home the instant you walk in! Near downtown Hannibal, 412 North Street is updated and immaculate inside and out! This property offers three floors of living space, an extra-large lot, and a charming front porch. The main floor has a large entry way with built-in original woodwork, living room, dining room, kitchen, and half bathroom. Off the kitchen is a deck with access to the backyard with hot tub or a small parking spot. The second floor has three bedrooms and two bathrooms along with the washer/dryer connections. There is a sunroom on the second level with great views of the river and downtown. The third floor has a fourth bedroom and storage space in the attic. The unfinished basement walks out and has additional storage space. If you enjoy being outdoors, sit on the front porch and enjoy the view; get in the hot tub; or take a stroll downtown. The property is currently being used as an Air BnB. All furnishings could be purchased separately.

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Hannibal Middle SchoolGrades 6-81.8 mi
5/10
Hannibal Sr. High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic,Traditional,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate Dining
  • Number of fireplaces: 1
  • Fireplace features: Decorative,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,100
  • Finished area above ground: 1,108

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,660
  • Total interior livable area: 2,660 sqft

Property

Details

  • Parcel number: 010.09.29.1.12.008.000
  • Special condition: Standard

Features

  • Levels: Two
  • Has view: Yes

Lot

  • Lot size: 3,920 sqft
  • Features: Back Yard,Views
  • Lot size dimensions: 60 x 65

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

  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Strong Wind
Cold Wave
Hail
Inland Flooding
Tornado
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 $1,491$17,892
Home Insurance *$361$4,332
Property Taxes $184$2,208
Electricity $203$2,437
Total$2,239$26,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,765/yr
40% on housing$67,170/yr
45% on housing$59,706/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -5.7%
-5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$111This listing

vs Other Active Listings

Avg $/sqft

ZIP 63401$122
Marion County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 63401$107
Marion County$95

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
2026-07-18Listed for sale$295,000
2025-08-13Listing removed$325,000
2025-04-14Listed for sale$325,000
2023-04-07Sold--
2023-04-07Pending sale$129,500
2023-03-20Contingent$129,500
2023-03-07Price change$129,500
2023-01-27Listed for sale$135,000
2023-01-17Contingent$135,000
2023-01-11Price change$135,000
2022-12-06Listed for sale$142,000

For Sale by Agent

AgentJNelle N Schafer Lee
BrokerageHannibal Realty LLC

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