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408 NW 110th St, Spickard, MO, 64679

3beds
2baths
4,400sqft
$950,000
$216price/sqft
$6,476/moest. monthly cost
$259,040/yrincome needed

About This Home

Presenting a meticulously maintained country home and exceptional shop building set on a scenic mix of CRP and timber in rural Northwest Missouri. The well-built 3-bedroom, 2-bath home has been thoughtfully cared for and updated, with important structural and mechanical improvements already in place. A three-car attached garage and a walk-out basement provide functionality and flexibility. The main level features two bedrooms, a dining room, an eat-in kitchen, an oversized laundry/mudroom, and a spacious great room. Large windows showcase beautiful country views—especially from the kitchen and great room. Upstairs, a loft offers space for a home office, playroom, or living area. The primary suite includes a walk-in closet and an oversized bathroom with dual vanities, a shower, and a jetted tub. The dry, walk-out basement is ready for expansion. It is stubbed for a bathroom, partially wired, and offers space for additional bedrooms. Efficiency was a priority in the home’s construction. A dual-zone geothermal HVAC system provides comfortable, cost-effective heating and cooling. Several windows have been upgraded within the past eight years, and the roof, gutters, and downspouts were replaced approximately three years ago. The impressive 42’ x 75’ ± shop is fully insulated and heated with a propane-powered radiant tube heater. Electrical outlets and air connections are abundant throughout. The bathroom features a shower and a stainless steel double-basin sink, and a tankless water heater. This is a shop that must be seen to be fully appreciated. The farm itself is equally impressive. With blacktop frontage and additional gravel road access. The land is a balanced mix of CRP and timber, creating excellent habitat for wildlife. Currently, 18.3 ± acres are enrolled in CRP (CP1), generating $3,110 annually through 2031. Wooded draws weave between the CRP fields, enhancing both the scenic beauty and the wildlife appeal for deer, songbirds, and other wildlife.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
Rissler Elementary SchoolGrades PK-411.3 mi
8/10
Trenton Middle SchoolGrades 5-811.4 mi
4/10
Trenton Sr. High SchoolGrades 9-1211.1 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Composition
  • Construction materials: Brick/Mortar

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Egress Window(s),Unfinished,Bath/Stubbed,Walk-Out Access

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Finished area below ground: 1,900
  • Finished area above ground: 2,500

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 4,400
  • Total interior livable area: 4,400 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Loft

  • Level: Second

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 040726000000100

Features

  • Patio & porch: Deck

Lot

  • Lot size: 38.20 Acres
  • Features: Acreage

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
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 $4,803$57,636
Home Insurance *$729$8,748
Property Taxes $609$7,308
Electricity $335$4,031
Total$6,476$77,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,034/yr
40% on housing$194,280/yr
45% on housing$172,693/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: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 64679$6,667
Grundy County$505

vs Homes Sold Last Month

Median $/sqft

ZIP 64679
Grundy County$121

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
2026-02-27Listed for sale$1,000,000

For Sale by Agent

AgentJason Patterson
BrokerageWhitetail Properties Real Esta

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