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1228 SW Town And Country Ln, Plattsburg, MO, 64477

4beds
3baths
2,600sqft
$399,000
$153price/sqft
$2,805/moest. monthly cost
$112,200/yrincome needed

About This Home

Step inside to an inviting open layout designed for both everyday living and entertaining. Natural light pours through all-new windows, highlighting the spacious living areas and seamless flow throughout the main level. The finished basement provides incredible flexibility — perfect for a second living space, game room, home office, or guest retreat. Outside, enjoy your morning coffee or evening sunsets from the screened-in porch overlooking your private acreage. Need space for hobbies or storage? The large outbuilding is ideal for a workshop, equipment storage, or keeping the boat and toys protected year-round. With brand-new metal siding and windows (Lifetime warranty), the big-ticket exterior updates are already done — offering durability, efficiency, and peace of mind. If you’ve been looking for acreage, updates, and usable outbuildings all in one package — this is it.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Ellis Elementary SchoolGrades PK-51.1 mi
7/10
Plattsburg High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Composition
  • Construction materials: Metal Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 800
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 2,600 sqft

Property

Details

  • Parcel number: 1107.026002006015.000

Lot

  • Lot size: 4 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached,Detached
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $2,017$24,204
Home Insurance *$351$4,212
Property Taxes $239$2,868
Electricity $198$2,382
Total$2,805$33,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,171/yr
40% on housing$84,150/yr
45% on housing$74,800/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 64477$186
Clinton County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 64477$163
Clinton County$161

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
2026-04-23Listed for sale$414,900
2026-04-13Listing removed$434,900
2026-03-25Price change$434,900
2026-03-04Listed for sale$439,900
2023-10-06Sold--
2023-08-23Contingent$415,999
2023-08-19Pending sale$415,999
2023-08-11Price change$415,999
2023-08-03Price change$420,000
2023-07-22Price change$424,000
2023-07-06Price change$425,000
2023-07-01Price change$429,000
2023-05-10Price change$430,000
2023-05-03Listed for sale$440,000
2021-03-23Sold--
2021-01-31Contingent$319,900
2021-01-19Price change$319,900
2020-11-06Price change$324,900
2020-10-20Price change$340,000
2020-10-06Price change$350,000
2020-09-05Price change$365,000
2020-08-07Price change$379,900
2020-07-14Price change$399,000
2020-06-17Listed for sale$425,000

For Sale by Agent

AgentJake Osborn
BrokerageOsborn Real Estate

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