18976 Pine Lake Rd #D-6, Monroe City, MO, 63456
About This Home
Enjoy lake living at its best with this well-located 2 bed, 2 bath condo just 1 mile from Spalding Boat Ramp and Spalding Beach. Whether you're into boating, fishing, or simply relaxing by the water, this property puts you right in the middle of it all. Conveniently located just down the street from The Landing Water Park, it's perfectly positioned for summer fun and entertaining. Inside, the condo offers a comfortable and functional layout, and all furniture is negotiable - making this an easy turnkey opportunity or a great personal getaway. Hitting the market just in time for lake season, this is one you won't want to miss.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Shingle
- Construction materials: Batts Insulation,Concrete,Frame,Vinyl Siding
Type & Style
- Home type: Condo
- Architectural style: Mid-Rise 3or4 Story
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Electric Oven,ENERGY STAR Qualified Refrigerator,Washer,Electric Water Heater
- Laundry features: Electric Dryer Hookup,Laundry Closet,Main Level,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Dining/Living Room Combo,Eat-in Kitchen,High Speed Internet,Kitchen/Dining Room Combo,Laminate Counters,Open Floorplan,Shower,Tub
- Door features: Sliding Doors
- Window features: Aluminum Frames,Screens
- Flooring: Carpet,Linoleum
- Finished area above ground: 1,012
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 1,012 sqft
Property
Details
- Parcel number: 350907058.000
- Attached to another structure: Yes
- Special condition: Standard
Features
- Levels: One
- Patio & porch: Covered,Deck,Rear Porch
- Exterior features: Rain Gutters
Lot
- Features: Adjoins Common Ground,Adjoins Wooded Area,Back Yard,Gentle Sloping,Private,Secluded
Parking
- Parking features: Additional Parking,Asphalt,Common,No Garage,On Site,Private,Unassigned
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
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Drought
- Ice Storm
- Tornado
- 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 | $627 | $7,524 |
| Home Insurance * | $182 | $2,184 |
| Property Taxes | $66 | $792 |
| Electricity | $141 | $1,693 |
| Total | $1,016 | $12,192 |
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 |
|---|---|---|
| 2026-04-29 | Price change | $124,000 |
| 2026-04-08 | Price change | $132,000 |
| 2026-03-26 | Listed for sale | $141,900 |
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