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505 E Mill St, Rock Port, MO, 64482

3beds
2baths
1,440sqft
$369,900
$257price/sqft
$3,033/moest. monthly cost
$121,320/yrincome needed

About This Home

Unique, energy-efficient earth-bermed home built in 1992 on nearly an acre at the edge of town! This well-maintained property features 3 bedrooms and 2 full baths. An additional finished storage/flex room off the attached garage provides even more space for a home office, hobby room, workout area, or potential bedroom. Many updates, including the roof, windows, kitchen, and bathrooms. The primary bath is a true retreat with a jetted soaking tub and a spacious walk-in shower. A radon mitigation system is already installed for added peace of mind. Outside, enjoy the oversized lot, attached garage, and detached 3-car garage/shop. Earth homes are known for their quiet interiors, exceptional energy efficiency, and low utility costs. If you're looking for a one-of-a-kind home with flexible living space and extensive updates, this property is a must-see!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
6/10
Rock Port High SchoolGrades 6-120.5 mi

Construction

Condition

  • Year built: 1992

Materials

  • Roof: Composition
  • Construction materials: Brick,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Slab

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Window features: Thermal Windows
  • Flooring: Carpet,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,440

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft

Property

Details

  • Parcel number: 511516000627

Lot

  • Lot size: 1 Acres
  • Features: Acreage

Parking

  • Total spaces: 5
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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 $1,870$22,440
Home Insurance *$696$8,352
Property Taxes $326$3,912
Electricity $141$1,693
Total$3,033$36,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,988/yr
40% on housing$90,990/yr
45% on housing$80,880/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

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 64482$207
Atchison County$132

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)

Price History

DateEventPrice
2026-08-03Price change$369,900
2026-07-17Listed for sale$384,900

For Sale by Agent

AgentTierra Stoner
BrokerageStoner Midwest Realty

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