490 Lake Viking Ter, Gallatin, MO, 64640
About This Home
Reduced! Experience luxury lake living in this extraordinary turn-key waterfront home, ideally situated in one of Lake Viking’s most sought-after locations. With an exceptional amount of deep-water shoreline, a beautiful sandy beach, and breathtaking views, this is a rare opportunity to own one of the lake’s premier properties. Designed for both relaxation and entertaining, the outdoor living spaces are second to none. The professionally landscaped grounds feature a 12-zone irrigation system, spacious patio, inviting fire pit area, stunning new seawall, and an easy, gentle walk to the water’s edge. The oversized dock, located behind a buoy, is an entertainer’s dream, complete with a covered boat lift, extra slip, high dive, expansive lounging and seating areas, swim platform, built-in waterslide, and an inflatable water trampoline. Whether you’re hosting family and friends, enjoying water sports, fishing, or watching the sunset, this incredible waterfront setup offers the ultimate lake lifestyle. Inside, this home has been completely transformed with an extensive, top-to-bottom renovation. Nearly every component has been updated, including a new roof, plumbing, electrical, landscaping, and a thoughtfully redesigned floor plan. A luxurious primary suite addition enhances the home’s comfort and functionality. Offering six spacious bedrooms and four and a half bathrooms—including two private primary suites on the main level—there is room for everyone to gather while still enjoying personal privacy. Two HVAC systems and an attached two-car garage add convenience and efficiency. Properties offering this combination of luxury, extensive shoreline, deep water, a sandy beach, and exceptional outdoor amenities rarely become available at Lake Viking. Whether you’re searching for a full-time residence or the ultimate family lake retreat, this remarkable home delivers an unmatched waterfront experience.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1974
Materials
- Roof: Composition
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Water Purifier,Water Softener
- Laundry features: Main Level,Off The Kitchen
Basement
- Has basement: Yes
- Basement: Basement BR,Concrete,Finished,Walk-Out Access
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Basement
Bedroom4
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Kitchen Island
- Window features: Thermal Windows
- Flooring: Luxury Vinyl
- Number of fireplaces: 2
- Fireplace features: Basement,Electric,Living Room
- Fireplace: Yes
- Finished area below ground: 1,659
- Finished area above ground: 2,125
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Electric
Interior Area
- Total structure area: 3,784
- Total interior livable area: 3,784 sqft
Other
- Level: Basement
Other
- Level: Basement
Property
Details
- Parcel number: 144.11740429
Features
- Patio & porch: Deck,Patio
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 0.57 Acres
- Features: Lake on Lot
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Inland Flooding
- Tornado
- Drought
- Hail
- Heat Wave
- Lightning
- Strong Wind
- Winter Weather
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $9,632 | $115,584 |
| Home Insurance * | $1,358 | $16,296 |
| Property Taxes | $777 | $9,324 |
| Electricity | $288 | $3,467 |
| Total | $12,055 | $144,660 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Price change | $1,850,000 |
| 2026-07-15 | Listed for sale | $1,904,900 |
| 2021-04-26 | Sold | -- |
| 2021-04-08 | Pending sale | $470,000 |
| 2021-04-07 | Listed for sale | $470,000 |
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