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54584 Highway 21, Ellington, MO, 63638

3beds
3baths
0sqft
$500,000
--price/sqft
$3,733/moest. monthly cost
$149,320/yrincome needed

About This Home

Escape to the beauty of the Ozarks at 54584 Highway 21, Ellington, MO! This charming 3-bedroom, 3-bath home is nestled on 15 acres and offers the million-dollar views you've been dreaming of. Conveniently located just minutes from Ellington, you'll enjoy the perfect balance of peaceful country living with easy access to town. Step inside and discover the warm, rustic character you've been searching for. A beautiful bay window fills the home with natural light while perfectly framing the breathtaking rolling hills of Southern Missouri. The formal dining room provides an inviting space for entertainment, while the spacious living room showcases stunning views of the surrounding countryside. Outside, the deck offers an exceptional vantage point to take in the breathtaking scenery, whether enjoying a quiet morning with a cup of coffee or watching the sunset over the hills. The included hot tub provides a relaxing retreat, making it easy to unwind while surrounded by the natural beauty of the Ozarks. With abundant wildlife and 15 acres to explore, this property offers privacy, tranquility, and outdoor lifestyle that Southern Missouri is known for. If you've been searching for a home with acreage, incredible views, and authentic rustic charm, this is an opportunity you won't want to miss. Agents will be at The Clubhouse Community Wellness Center in Ellington, MO, on September 8, 2026, from 9:30 a.m. Central until the conclusion of the online auction. Please come during the times scheduled to discuss the farm. Representatives will be there to assist buyers with registering to bid online. You do not have to be present to bid online, but you are required to be available by phone. BIDDING PROCESS: You may place bids on this farm for 14 days beginning August 27, 2026, and ending September 10, 2026, at 11:00 a.m. This online auction features bidding extensions. If a bid is received within five minutes of the scheduled closing time, the bidding period is automatically extended to five minutes. This will continue until there is a five-minute period where no bids are placed. NOTE: Do not wait until the day the auction closes to register to bid online. All bidders must be approved to bid, so register least 24 hours prior to the auction close. Terms: The successful buyer will be required to enter into a written purchase agreement immediately after the sale with a 10% non-refundable down payment to be payable to Carter County Abstract and Title Company. The earnest deposit can be made by a personal check, company check or by wire transfer. The balance will be due at closing on or before October 23rd, 2026. Seller will provide marketable title to the buyer evidenced by title insurance; the title insurance and owners policy premium will be paid by the seller and lender fees will be paid by the buyer. The 2026 real estate taxes will be prorated to the day of closing. Property will not be sold subject to financing. Bidding increments may be changed at the discretion of the Real Estate Agent. Please have all financial arrangements made prior to the auction. The written purchase agreement, to be signed by the seller and buyer after the auction, is the sole and controlling document of this sale and supersedes any and all other terms whether verbal, written expressed or implied and shall be the sole and controlling document for this real estate transaction. The property sells "as-is" subject to all rights of way and easements. Acreages are estimated based on records considered reliable and may differ from deeded or taxable acres. Bidders are responsible for conducting their own inspections and due diligence concerning the property. The final sale price is subject to the seller's confirmation once the bidding concludes. The estimated listing price is an estimated value only and has no bearing on the final bid.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
4/10
Ellington High SchoolGrades 6-122.3 mi

Construction

Condition

  • Year built: 1970

Type & Style

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

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 0

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 170402000000000300000
  • Lease amount: 0
  • Special condition: Auction

Lot

  • Lot size: 15 Acres

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

  • Cold Wave
    Cold WaveVery High
  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
Severe Storm
Straight Line Winds
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 $2,528$30,336
Home Insurance *$889$10,668
Property Taxes $175$2,100
Electricity $141$1,693
Total$3,733$44,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,988/yr
40% on housing$111,990/yr
45% on housing$99,546/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 63638$282
Reynolds County$229

vs Homes Sold Last Month

Median $/sqft

ZIP 63638
Reynolds County$58

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

No price history available

Unknown Listed By

AgentCole Wendt
BrokerageBigIron Realty

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