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122 N Main St, Arcadia, MO, 63621

5beds
1baths
3,684sqft
$189,900
$52price/sqft
$1,589/moest. monthly cost
$63,560/yrincome needed

About This Home

A rare piece of Arcadia history has been transformed into a one-of-a-kind residence but could definitely still be a great location for a business! Once a local bank, this solid, character-rich building now serves as a spacious 5-bedroom home while preserving the charm and intrigue of its past. Thick masonry walls, lots of windows, and original architectural details give the home a distinctive presence you won’t find anywhere else. Inside, the building retains its original bank vaults—an eye-catching feature that instantly sets the property apart for businesses seeking a memorable identity. The open floor plan provides flexibility for retail, office, hospitality, or specialty-use concepts, while the building’s prominent street-front location ensures strong visibility and steady local traffic. Whether reimagined as a boutique shop, cafe, professional office, gallery, or destination attraction, this property offers a unique canvas for entrepreneurs and investors looking to create something truly distinctive! —Also includes all of the safety deposit boxes and the night drop box! As a home the layout offers five bedrooms and one small bathroom, making the space surprisingly comfortable for everyday living. Located in the heart of Arcadia, MO, this property blends small-town charm with historic appeal. Whether you’re drawn to unique architecture, dreaming of a creative renovation project, or simply want a home with a story, this converted bank delivers something truly unforgettable. Plenty of room on this lot to build another structure as well! The city of Arcadia, at one time, approved plans for a 5-car garage on the back side on the lot.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
6/10

Construction

Condition

  • Year built: 1969

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Other,Free-Standing Electric Oven,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 3,684

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,684
  • Total interior livable area: 3,684 sqft

Property

Details

  • Parcel number: 12310510220050010000
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 0.60 Acres
  • Features: City Lot,Corner Lot,Level,Other

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
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Tornado
Inland Flooding
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 $960$11,520
Home Insurance *$271$3,252
Property Taxes $77$924
Electricity $281$3,375
Total$1,589$19,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,480/yr
40% on housing$47,670/yr
45% on housing$42,373/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

$52This listing

vs Other Active Listings

Avg $/sqft

ZIP 63621$203
Iron County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 63621
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
2026-08-14Price change$169,000
2026-08-04Price change$179,900
2026-07-27Price change$189,900
2026-07-13Price change$194,900
2026-06-09Price change$199,900
2026-05-10Price change$209,000
2026-04-23Price change$249,000
2026-04-04Price change$279,000
2026-01-26Listed for sale$299,000

For Sale by Agent

AgentWoody W Buck
BrokerageBuck Realty

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