20204 E 23rd Ter S, Independence, MO, 64057
About This Home
Stunning 5-Bedroom Home in Independence, MO Welcome to this beautifully designed 5-bed, 3.5-bath residence boasting 3,039 square feet of thoughtfully laid-out space in Independence, Missouri. This home blends comfort, style, and functionality, offering an ideal setting for everyday living and entertaining. Step inside to discover a welcoming floor plan featuring formal and casual living areas, perfect for gatherings. The open-concept kitchen is a chefs dream with abundant cabinetry, generous counter space, a center island, and dining area ideal for hosting guests. Enjoy seasonal outdoor living on the patio great for summer barbecues, gardening, or simply relaxing. An attached garage and ample storage throughout add convenience to everyday life. Located in a desirable neighborhood with easy access to schools, shopping, parks, and major highways, this home combines classic charm with modern amenities truly a must-see property in Independence. 2026-04-08
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2009
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Yes
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Fireplace: Yes
Interior Area
- Total structure area: 3,039
- Total interior livable area: 3,039 sqft
Property
Lot
- Lot size: 0.29 Acres
Parking
- Total 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
- Hail
- Heat Wave
- Inland Flooding
- Tornado
- Cold Wave
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 | $1,870 | $22,440 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $348 | $4,176 |
| Electricity | $232 | $2,784 |
| Total | $2,715 | $32,580 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-26 | Listed for sale | $378,900 |
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