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13491 Heritage Dr, Saint Joseph, MO, 64505

3beds
3baths
2,798sqft
$412,900
$148price/sqft
$2,964/moest. monthly cost
$118,560/yrincome needed

About This Home

You won't want to miss this beautifully remodeled home, perfectly situated on a private cul-de-sac. This 3 BR/2.5 bath home is located in the highly sought-after Savannah School District, and offers both convenience and comfort. Step inside to discover beautiful updates throughout including gorgeous flooring throughout. A stunning kitchen featuring rich stained cabinets, quartz countertops, and new stainless-steel appliances. With two fireplaces and multiple living spaces—including a formal living room, an upstairs family den, and a spacious basement family room with a wet bar—there’s plenty of room to relax and entertain. The finished basement also includes a convenient half bath. The large primary suite is a true retreat, complete with two walk-in closets, a private en-suite bathroom, and direct access to a private deck. Outside, enjoy a large lot with lush green grass, perfect for outdoor activities, along with an extra-large attached garage offering ample storage and parking. This home is just off 169 with quick access to I-29—ideal for an easy commute.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

9/10

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Composition
  • Construction materials: Brick/Mortar,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Trash Compactor
  • Laundry features: In Kitchen,Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Finished,Full,Interior Entry,Walk-Out Access

Bedroom2

  • Features: Carpet,Ceiling Fan(s)
  • Level: First

Bedroom3

  • Features: Carpet,Ceiling Fan(s)
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Features: Ceiling Fan(s),Fireplace
  • Level: First

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Stained Cabinets,Walk-In Closet(s)
  • Door features: Storm Door(s)
  • Window features: Storm Window(s),Wood Frames
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Electric,Family Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 900
  • Finished area above ground: 1,898

Half Bath

  • Features: Luxury Vinyl
  • Level: Basement

Heating & Cooling

  • Heating features: Forced Air,Wood Stove
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,798
  • Total interior livable area: 2,798 sqft

Kitchen

  • Features: Quartz Counter
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Ceramic Tiles,Solid Surface Counter
  • Level: First

Master Bedroom

  • Features: Carpet,Ceiling Fan(s),Walk-In Closet(s)
  • Level: First

Other

  • Features: Built-in Features,Carpet,Fireplace,Wet Bar
  • Level: Basement

Other

  • Features: Carpet
  • Level: Basement

Property

Details

  • Parcel number: 176.02300065000000

Features

  • Patio & porch: Deck,Patio

Lot

  • Lot size: 1.20 Acres
  • Features: Acreage
  • Lot size dimensions: 217.5' x 235'

Parking

  • Total spaces: 4
  • Parking features: Basement,Garage Door Opener,Garage Faces Rear,Tandem
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,087$25,044
Home Insurance *$427$5,124
Property Taxes $237$2,844
Electricity $213$2,563
Total$2,964$35,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,622/yr
40% on housing$88,920/yr
45% on housing$79,040/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 64505$129
Andrew County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 64505$121
Andrew County$110

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
2026-07-13Price change$412,900
2026-06-17Price change$422,900
2026-05-13Price change$427,900
2026-04-17Listed for sale$434,900
2025-09-26Sold--
2025-09-05Contingent$300,000
2025-09-03Listed for sale$300,000
2025-07-23Listing removed$399,000
2025-04-25Price change$399,000
2025-03-06Price change$418,000
2025-02-10Listed for sale$425,000

For Sale by Agent

AgentRamseier Group
BrokerageKeller Williams KC North

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