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405 W 10th St, Lawson, MO, 64062

5beds
3baths
3,474sqft
$484,000
$139price/sqft
$3,320/moest. monthly cost
$132,800/yrincome needed

About This Home

Better than new and meticulously maintained, this custom-built reverse ranch offers the perfect blend of luxury, functionality, and main-level living! With 5 bedrooms, 3 on the main level! Over 3,400 finished sq ft, and a beautifully finished walkout lower level, this home delivers exceptional space for entertaining, guests, or multi-generational living. The open-concept main level features wood flooring, custom cabinetry, granite countertops, gas range, oversized walk-in pantry, built-ins, and a spacious screened-in porch, views of open acerage, perfect for relaxing evenings, & serenity! The private primary suite offers a spa-like bath with tiled walk-in shower, double vanity, and large walk-in closet. Downstairs, enjoy a massive recreation space, two oversized bedrooms, full bath, play nook, and abundant storage including excavated space under the front porch. Unlike new construction, this home already includes upgraded lighting, landscaping, retaining wall, screened porch, upgraded carpet, and numerous custom touches throughout. Oversized Garage-Wider, Taller, One Side Tandem with side door & sidewalk to the front. Conveniently located near Lawson Lake, parks, golf course, and USDA financing eligible area!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Lawson Middle SchoolGrades 5-80.6 mi
7/10
Lawson High SchoolGrades 9-120.5 mi
6/10

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Composition
  • Construction materials: Stone Trim,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Egress Window(s),Finished

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Custom Cabinets,Kitchen Island,Painted Cabinets,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 1,368
  • Finished area above ground: 2,106

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,474
  • Total interior livable area: 3,474 sqft

Property

Details

  • Parcel number: 04093103008001.020

Features

  • Patio & porch: Screened

Lot

  • Lot size: 0.26 Acres
  • Features: City Lot,Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
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 $2,447$29,364
Home Insurance *$318$3,816
Property Taxes $290$3,480
Electricity $265$3,183
Total$3,320$39,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,828/yr
40% on housing$99,600/yr
45% on housing$88,533/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: 9.9%
9.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 64062$195
Ray County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 64062$148
Ray County$152

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
2026-03-27Listed for sale$510,000

For Sale by Agent

AgentTeressa Quigley
BrokerageThe Real Estate Store LLC

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