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70 Hartley Ln, Elsberry, MO, 63343

5beds
5baths
5,448sqft
$559,900
$103price/sqft
$4,478/moest. monthly cost
$179,120/yrincome needed

About This Home

Escape to the peace and privacy of the country living with this 5-bedroom, 3.5 bath home situated on 10 beautiful acres. This property offers the perfect blend of comfort and outdoor living, featuring a scenic pond and a large shed for storage, hobbies, or workshop area. Inside, you will find plenty of room for family and guests with a functional layout designed for everyday living. Whether you're looking for space to enjoy nature, start a hobby farm, or simply relax in the quiet setting, this property has endless possibilities.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
Ida Cannon Middle SchoolGrades 5-80.6 mi
9/10
Elsberry High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1989

Materials

  • Construction materials: Other

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 3,420

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,448
  • Total interior livable area: 5,448 sqft

Property

Details

  • Parcel number: 029029000000028001
  • Special condition: Listing As Is

Features

  • Levels: Two

Lot

  • Lot size: 10.80 Acres
  • Features: Open Lot

Parking

  • Total spaces: 4
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $2,831$33,972
Home Insurance *$910$10,920
Property Taxes $321$3,852
Electricity $416$4,992
Total$4,478$53,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,531/yr
40% on housing$134,340/yr
45% on housing$119,413/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 63343$291
Lincoln County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 63343$117
Lincoln County$204

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
2026-07-08Price change$559,900
2026-06-26Listed for sale$575,000
2024-10-18Sold--
2024-09-16Pending sale$450,000
2024-08-07Contingent$450,000
2024-08-01Listed for sale$450,000
2022-05-04Listing removed--
2022-03-11Listed for sale$459,000
2022-03-11Listing removed--
2022-03-01Listed for sale$339,000

For Sale by Agent

AgentTyler O Cannon
BrokerageCannon Realty, Inc.

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