




122 N Main St, Arcadia, MO, 63621
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
Schools
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
- Heat Wave
- Lightning
- Strong Wind
- Tornado
- Inland Flooding
- Winter Weather
- Earthquake
- Hail
- Ice Storm
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 | $960 | $11,520 |
| Home Insurance * | $271 | $3,252 |
| Property Taxes | $77 | $924 |
| Electricity | $281 | $3,375 |
| Total | $1,589 | $19,068 |
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 |
|---|---|---|
| 2026-08-14 | Price change | $169,000 |
| 2026-08-04 | Price change | $179,900 |
| 2026-07-27 | Price change | $189,900 |
| 2026-07-13 | Price change | $194,900 |
| 2026-06-09 | Price change | $199,900 |
| 2026-05-10 | Price change | $209,000 |
| 2026-04-23 | Price change | $249,000 |
| 2026-04-04 | Price change | $279,000 |
| 2026-01-26 | Listed for sale | $299,000 |
