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1325 Mitchell Ave, Saint Joseph, MO, 64503

--beds
0baths
--sqft
$239,000
--price/sqft
$1,763/moest. monthly cost
$70,520/yrincome needed

About This Home

Attention investors! This is a well-maintained, older four-unit apartment building located in a central area with easy access to shops, transit, and services. The building contains four studio units, all currently rented to long-term tenants. Two of the studios have been recently updated with modern finishes, while the other two remain in solid, functional condition consistent with the building's age. Each unit is compact and efficient, suitable for single occupants or couples. The landlord covers all utilities (electric, gas, water, sewer, and trash), which simplifies tenant costs and supports steady occupancy. The property shows regular maintenance with no major deferred repairs noted, reflecting consistent upkeep over time. This income-producing multi-family property with stable rental history and low turnover will be a great addition to your portfolio!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

2/10
Carden Park ElementaryGrades K-60.4 mi
2/10
Truman Middle SchoolGrades 7-81.6 mi
2/10
Lafayette High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1918

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Apartment

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Has basement: Yes

Heating

  • Heating features: Natural Gas

Property

Details

  • Parcel number: 064.017001004021.000
  • Zoning: R4

Lot

  • Lot size: 7,841 sqft

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Heat Wave
Ice Storm
Lightning
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 $1,208$14,496
Home Insurance *$267$3,204
Property Taxes $147$1,764
Electricity $141$1,693
Total$1,763$21,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,445/yr
40% on housing$52,890/yr
45% on housing$47,013/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 64503$75
Buchanan County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 64503$119
Buchanan County$119

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

DateEventPrice
2026-05-22Listed for sale$239,000
2018-03-20Sold--

For Sale by Agent

AgentJoshua Johnson
BrokerageBHHS Stein & Summers Real Estate

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