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113 Lighthouse Point, Gallatin, MO, 64640

5beds
5baths
5,500sqft
$1,950,000
$355price/sqft
$12,465/moest. monthly cost
$498,600/yrincome needed

About This Home

Lake Viking at its finest! Extraordinary 5-bedroom, 5-bath waterfront home combines luxury, comfort, exceptional craftsmanship, and thoughtful functionality. From the moment you walk through the front door, breathtaking lake views take center stage. Perfectly positioned by the architect to maximize natural light and water views from every bedroom. The main level features a primary suite with private screened porch, two walk-in closets, and spacious ensuite bath, plus two additional bedrooms, office, laundry, chef's kitchen with screened porch, and living room highlighted by floor-to-ceiling windows showcasing the incredible view. Upstairs offers a bonus suite with wall-to-wall windows and a private bath. The finished walkout lower level is an entertainer's dream, functioning as a second home with a full kitchen, bar, family room, bedroom, two full baths, flex room (potential 6th bedroom), second laundry room, and abundant storage. Built with quality in mind, this meticulously maintained home offers extraordinary craftsmanship, massive closets, custom cabinetry throughout, suspended garage storage, storm shelter, oversized lower garage with rear staircase access, newer septic system, underground pet fence, whole-house generator, buried 400-gallon propane tank, lake-fed irrigation system, and an almost all brick-and-stone, low-maintenance exterior. Outdoor living is unmatched with level lake access, beautiful stone seawall, private covered dock featuring two new boat lifts, two new PWC ports, new dock ladder, outdoor kitchen, firepit, fountain, expansive paver patio. Located behind the wake buoy for ideal swimming and recreation. Approximately one hour from Kansas City, Lake Viking offers one of the Midwest's premier private lake communities for full-time living or the perfect weekend escape. Are you a pilot, then fly into the Lake Viking airport - right down the road. Sellers providing a one year home warranty. Don't miss this one-of-a kind waterfront home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Winston Elementary SchoolGrades PK-66.0 mi
5/10
Winston High SchoolGrades 7-126.0 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Microwave,Refrigerator,Built-In Oven,Stainless Steel Appliance(s)
  • Laundry features: Lower Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedroom2

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

Bedroom3

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

Bedroom4

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

Bedroom5

  • Features: Ceramic Tiles
  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5

Exercise Room

  • Features: Ceramic Tiles
  • Level: Lower

Family Room

  • Features: Ceramic Tiles
  • Level: Lower

Features

  • Ceiling Fan(s),Custom Cabinets,Kitchen Island,Pantry,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
  • Door features: Storm Door(s)
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,601
  • Finished area above ground: 3,899

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 5,500
  • Total interior livable area: 5,500 sqft

Kitchen

  • Features: Built-in Features,Granite Counters,Kitchen Island
  • Level: Main

Kitchen2Nd

  • Features: Ceramic Tiles,Pantry
  • Level: Lower

Laundry

  • Features: Wood Floor
  • Level: Main

Living Room

  • Features: Fireplace,Wood Floor
  • Level: Main

Master Bathroom

  • Features: Ceramic Tiles,Double Vanity,Granite Counters,Separate Shower And Tub
  • Level: Main

Master Bedroom

  • Features: Ceiling Fan(s),Walk-In Closet(s),Wood Floor
  • Level: Main

Office

  • Features: Built-in Features,Wood Floor
  • Level: Main

Property

Details

  • Parcel number: 143.0840243

Features

  • Patio & porch: Deck,Patio,Porch,Screened
  • Exterior features: Fire Pit
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.60 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Rear,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $9,860$118,320
Home Insurance *$1,390$16,680
Property Taxes $796$9,552
Electricity $419$5,039
Total$12,465$149,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$427,371/yr
40% on housing$373,950/yr
45% on housing$332,400/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$355This listing

vs Other Active Listings

Avg $/sqft

ZIP 64640$259
Daviess County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 64640
Daviess County$168

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
2026-08-13Listed for sale$1,950,000
2025-07-07Listing removed$1,995,000
2025-06-23Price change$1,995,000
2025-05-20Price change$2,195,000
2025-03-31Listed for sale$2,400,000
2021-11-12Sold--
2021-09-10Pending sale$1,750,000
2021-06-10Listed for sale$1,750,000
2004-09-07Sold--
2001-11-23Sold--

For Sale by Agent

AgentAmanda Crossley
BrokerageRE/MAX Innovations

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