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305 N Olive St, Otterville, MO, 65348

2beds
1baths
896sqft
$250,000
$279price/sqft
$1,616/moest. monthly cost
$64,640/yrincome needed

About This Home

Beautiful Rock two bedroom one bath with a full basement home with two car detached garage in beautiful Otterville Missouri

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
2/10
Otterville High SchoolGrades 6-120.4 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Concrete
  • Roof: Shake / Shingle
  • Construction materials: Stone

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Range / Oven

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Hardwood,Linoleum / Vinyl

Heating

  • Heating features: Baseboard,Gas

Interior Area

  • Total interior livable area: 896 sqft

Property

Details

  • Parcel number: 232003002032001000

Features

  • Exterior features: Brick

Lot

  • Lot size: 0.29 Acres

Parking

  • Parking features: Garage - Detached

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
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

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 $1,264$15,168
Home Insurance *$80$960
Property Taxes $131$1,572
Electricity $141$1,693
Total$1,616$19,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,405/yr
40% on housing$48,480/yr
45% on housing$43,093/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 65348$119
Cooper County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 65348$199
Cooper County$126

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
2026-07-05Price change$250,000
2022-08-02Pending sale$119,900
2022-07-28Listed for sale$119,900
2020-03-13Listing removed$77,500
2020-01-09Pending sale$77,500
2019-11-11Listed for sale$77,500

For Sale by Owner

AgentProperty Owner

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