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43571 Blue Lagoon Dr, Monroe City, MO, 63456

3beds
2baths
1,284sqft
$225,000
$175price/sqft
$1,730/moest. monthly cost
$69,200/yrincome needed

About This Home

This main level living home is located just off Rt J only minutes to Mark Twain Lake. Boating, fishing, swimming all at your fingertips! There is a detached garage and a "she-shed" (both have electricity). The current owners widened the driveway so there is easy access for parking a camper or boat. The drive connects Blue Lagoon and Willow so drive right through! The roof over the back patio/porch has been extended and "curtain like" tarping around it during the winter helps keep the space usable all year long. In the summer, take it down for an open air area to entertain friends and family! Inside you will find a spacious living room, and dining room. In the kitchen, new cabinets, countertops and backsplash. New lighting, ceiling fans and flooring! Lots of updates. Right now the home is set up with two bedrooms but there is another room that can easily be a third bedroom. You just need a wardrobe or closet installed. It's currently being used as storage and laundry. The home has no steps to enter so easy access for everyone. The HVAC is 3 years old, metal roof is about 7 years. If you are looking for a summer home near the lake or a full time residence, you need to take the time to check this one out.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
5/10
10/10

Construction

Condition

  • Year built: 2002

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Microwave,Free-Standing Electric Oven,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,284

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,284
  • Total interior livable area: 1,284 sqft

Property

Details

  • Parcel number: 060.6140000005.08000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Rear Porch

Lot

  • Lot size: 0.30 Acres
  • Features: Irregular Lot,Landscaped

Parking

  • Parking features: Garage
  • Has garage: Yes

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 WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $1,137$13,644
Home Insurance *$332$3,984
Property Taxes $120$1,440
Electricity $141$1,693
Total$1,730$20,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,314/yr
40% on housing$51,900/yr
45% on housing$46,133/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 63456$110
Ralls County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 63456$124
Ralls County$134

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
2026-05-04Listed for sale$250,000
2026-04-30Contingent$250,000
2026-04-12Listed for sale$250,000
2022-03-14Sold--
2022-03-11Pending sale$119,900
2022-02-22Contingent$119,900
2022-02-21Listed for sale$119,900
2018-04-06Sold--
2018-02-26Pending sale$84,900
2017-11-28Listed for sale$84,900

For Sale by Agent

AgentTeree Haynes
BrokerageHannibal Realty LLC

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