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425 Monroe St, Thayer, MO, 65791

2beds
1baths
1,130sqft
$59,900
$53price/sqft
$572/moest. monthly cost
$22,880/yrincome needed

About This Home

Home in Town in Thayer School District Step inside this country-style home in town featuring 2 bedrooms and 1 bathroom on a 0.285+/- acre lot that is conveniently located in Thayer School District! This home is just minutes from shopping, restaurants, schools, parks, and other local amenities and offers a comfortable and functional floor plan, making it a great option for first-time buyers, retirees, or investors. Outside, you'll find a spacious yard with plenty of room for gardening, pets, outdoor entertaining, or family activities. A large shop building/garage provides excellent space for hobbies, projects, vehicle storage, or a workshop. An additional storage shed offers even more room for tools, lawn equipment, and seasonal items. Whether you're looking for a primary residence, rental property, or investment opportunity, this home combines convenience, outdoor space, and practical improvements in a desirable in-town location.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
Thayer Elementary SchoolGrades PK-60.3 mi
7/10
Thayer Sr. High SchoolGrades 7-120.3 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Not Permanent
  • Roof: Metal
  • Construction materials: Metal/Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other (see remarks)
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Range,Microwave,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Kitchen/Dining Combo

Features

  • Paneling,2 Bedrooms Same Level
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,130
  • Total interior livable area: 1,130 sqft

Property

Accessibility

  • Accessibility features: Customized Wheelchair Accessible

Details

  • Parcel number: 2390322015000500000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: Partial

Lot

  • Lot size: 0.29 Acres
  • Features: Level,Cleared,Subdivided

Parking

  • Parking features: Garage,Carport
  • Has garage: Yes
  • Carport: 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

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $302$3,624
Home Insurance *$105$1,260
Property Taxes $24$288
Electricity $141$1,693
Total$572$6,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$19,611/yr
40% on housing$17,160/yr
45% on housing$15,253/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: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$53This listing

vs Other Active Listings

Avg $/sqft

ZIP 65791$95
Oregon County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 65791
Oregon County$65

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Price change$55,500
2026-06-26Listed for sale$59,900

For Sale by Agent

AgentDavid A Fletcher
BrokerageUnited Country - Cozort Realty, Inc.

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