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122 N Shepherd St, Ironton, MO, 63650

4beds
2baths
2,126sqft
$248,500
$117price/sqft
$1,845/moest. monthly cost
$73,800/yrincome needed

About This Home

Take a look at this charming 3-4 bedroom, 2-bathroom home located within a short walking distance of downtown Ironton. This property offers a completely fenced yard with plenty of space for pets, including a dog kennel and a separate chain-link area for animals. Enjoy outdoor living with an above-ground pool, hot tub, and even a cold plunge tub on the deck. The beautifully landscaped yard features peach trees, plum trees, blackberries, grape vines, roses, a stunning water fountain, and a variety of other flowers and plants, creating your own private backyard oasis. A detached one-car garage provides additional storage and parking. Inside, you'll find several built-in shelves that add character and charm throughout the home. The attic area offers additional space that could be finished into another room, home office, hobby room, or even a movie theater perhaps. Lots of closets for additional storage throughout the home. The home also features a partial unfinished basement with access from both inside the home and an exterior cellar door. Street and alley access provide added convenience. Located near many of the area's most popular attractions including Shepherd Mountain Bike Park, Elephant Rocks State Park, Johnson's Shut-Ins State Park, and the Black River, this property offers the perfect combination of small-town living and outdoor recreation. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this property has plenty to offer.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

6/10
6/10

Construction

Condition

  • Year built: 1939

Materials

  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Craftsman
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bathroom

  • Level: Main
  • Area: 56
  • Dimensions: 7x8

Bathroom2

  • Level: Main
  • Area: 25
  • Dimensions: 5x5

Bedroom

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Bedroom2

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Bedroom4

  • Level: Main
  • Area: 144
  • Dimensions: 16x9

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Breakfast Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Dimensions: 8.5x

Dining Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,809

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,126
  • Total interior livable area: 2,126 sqft

Kitchen

  • Level: Main
  • Area: 127.5
  • Dimensions: 15x8.5

Living Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 216
  • Dimensions: 18x12

Property

Details

  • Parcel number: 11903200300370070000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Pool features: Above Ground
  • Fencing: Privacy

Lot

  • Lot size: 0.36 Acres
  • Features: Back Yard,City Lot

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,256$15,072
Home Insurance *$326$3,912
Property Taxes $101$1,212
Electricity $162$1,948
Total$1,845$22,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,257/yr
40% on housing$55,350/yr
45% on housing$49,200/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
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 63650$108
Iron County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 63650
Iron County$146

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
2026-06-09Listed for sale$248,500

For Sale by Agent

AgentCatherine S Buck
BrokerageBuck Realty

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