284 White Rd, Montgomery City, MO, 63361
About This Home
Escape to your own private country Montgomery City retreat—perfect for avid deer hunters, VRBO investors, or anyone craving peace, privacy, and a true connection to nature. Nestled on 10 mostly wooded acres, this one-of-a-kind property began as a charming octagon home and was thoughtfully expanded in 2004 to create over 2,440 sq ft of comfortable living space. The home now features 3 spacious bedrooms, 2 full baths, a finished walk-out basement, and a completely renovated chef’s kitchen designed to impress. Whether you're entertaining guests or enjoying a quiet evening in, this home offers the perfect blend of character and modern updates. Outdoors, the property truly shines. A babbling creek winds through the back, creating a serene backdrop, while strategically placed deer stands have proven highly successful—making this a hunter’s dream. Two large outbuildings add incredible value, including a recently added, climate-controlled structure (over $110K investment) that’s ideal for car enthusiasts, hobbyists, or additional storage. Whether you're looking to live off the land, create a profitable short-term rental, or simply to unwind in a peaceful, wooded setting, this property offers endless possibilities and unmatched tranquility.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1994
Materials
- Construction materials: Aluminum Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Electric Water Heater
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Finished area below ground: 800
- Finished area above ground: 1,641
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,441
- Total interior livable area: 2,441 sqft
Property
Details
- Parcel number: 038.233000000008.000
- Attached to another structure: Yes
- Special condition: Standard
Features
- Levels: One
- Has view: Yes
- View description: Creek/Stream,Forest
- Water view: Creek/Stream
Lot
- Lot size: 10 Acres
- Features: Adjoins Open Ground,Adjoins Wooded Area,Back Yard,Many Trees,Native Plants,Wooded
Parking
- Total spaces: 5
- Parking features: Carport
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 5
- Carport: Yes
- Carport 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
- Heat Wave
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Drought
- Earthquake
- Ice Storm
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $567 | $6,804 |
| Property Taxes | $253 | $3,036 |
| Electricity | $186 | $2,236 |
| Total | $3,660 | $43,920 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-23 | Price change | $525,000 |
| 2026-05-06 | Price change | $575,000 |
| 2026-04-06 | Listed for sale | $598,900 |
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