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402 William St, Rock Port, MO, 64482

5beds
3baths
2,216sqft
$259,995
$117price/sqft
$2,201/moest. monthly cost
$88,040/yrincome needed

About This Home

This large, well-built, impeccably maintained 1940s home is packed full of beautiful woodwork, highlighting unique charm you won't find in newer homes. Situated on a double lot, the private backyard has towering shade trees and mature landscaping; feeling like your own secret garden! A multi-level composite deck wraps around the east and south sides of the house for entertaining or private solitude. Out the main entry to the front yard, there is a newly paved street, that overlooks the local school and elementary playground. This 2 story home displays carefully crafted details that have stood the test of time. The wood floors were milled right her in Rock Port, MO, at a lumberyard that once existed under the name Dierks Lumber. The wood floors, unique built -ins and wood trim are in amazing original condition, not adulterated by paint or oils. The bedrooms and living areas are graced with more closet space than you'll know what to do with! Even the closets are adorned with solid wood doors & trim as well as built-in shelves and hidden storage. The main floor of the home consists of a very spacious eat-in kitchen with a bank of south-facing windows that overlook the backyard, creating a perfect spot to sip your coffee in the morning or watch the snow fall on a winter afternoon! There is a convenient entry to the kitchen from the composite deck landing. The dining room has a gorgeous built-in hutch. The living room is also large and is anchored by a lovely, brick fireplace. There is a large picture window overlooking William Street and a perfect spot for your Christmas tree! A full bathroom and 2 bedrooms with ample closet space, are on the main level. The laundry /mud room is off the main living areas, spacious as well, and serves as a backyard entry point with 2 French doors leading to the backyard and multi-level composite deck and pergola. The second floor consists of a very large master, a full bath with a newly tiled shower and an additional bedroom, presently decorated for a girl. The master has an amazing closet system with plenty of room for a seating or tv area. The master has windows that overlook the canopy of treetops. Again, storage on this floor is abundant- the landing has a huge walk-in closet! The landing at the top of the stairs is capped off by an original laundry chute! The basement is partially finished with a fifth non-conforming bedroom, full bathroom, and a large family room. This area would make a great man-cave, teenager's retreat, craft room, or office! The storage side of the basement has a large counter with sink and cabinets, deep-freezer, shelves, wine rack, hot water heater, and HVAC system. The basement leads to the one stall garage and is at ground level -this provides a nice convenience for unloading freezer and bulk items. Even at street-level, the retaining wall that provides a beautiful, flat, double lot, is crafted in brick! The house's siding is painted gray green and trimmed in charcoal. The gutters are updated with leaf screens the same color as the trim of the house. The windows are Thermopane Vinyl, many are double paned for easy open from top and bottom and also fold in for easy cleaning. The 12 x 20 garden shed has great storage and 2 lofts as well as double doors and a ramp for easy in and out for a large lawn mower. This home is warm, inviting, and has so many unique features! if this is what you are looking for, you must see it, in person, to appreciate it! After 35 years of our family loving this home, it is ready for a new family to take root and make memories.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
6/10
Rock Port High SchoolGrades 6-120.1 mi

Construction

Condition

  • Year built: 1945

Materials

  • Roof: Composition

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Hardwood,Linoleum / Vinyl
  • Fireplace features: masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,216 sqft

Property

Details

  • Parcel number: 511316000040

Features

  • Exterior features: Composition

Lot

  • Lot size: 0.32 Acres

Parking

  • Parking features: Garage - Attached

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
  • Hail
    HailRelatively 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
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 $1,314$15,768
Home Insurance *$489$5,868
Property Taxes $229$2,748
Electricity $169$2,030
Total$2,201$26,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,462/yr
40% on housing$66,030/yr
45% on housing$58,693/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: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$117This listing

vs Other Active Listings

Avg $/sqft

ZIP 64482$224
Atchison County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 64482
Atchison County$70

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
2026-07-11Listed for sale$259,995

For Sale by Owner

AgentProperty Owner

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