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21806 Massa Cir, Peculiar, MO, 64078

4beds
3baths
2,308sqft
$346,999
$150price/sqft
$2,408/moest. monthly cost
$96,320/yrincome needed

About This Home

Welcome to this spacious 1-story home featuring 4 bedrooms, 3 bathrooms, and a 2-car garage. The open floor plan creates a seamless flow between the living, dining, and kitchen areas, making it ideal for both everyday living and entertaining. The kitchen offers a convenient breakfast bar with additional seating and overlooks the main living space. The generous bedroom layout provides flexibility for guests, a home office, or hobbies, while the primary suite offers a private retreat. With comfortable living spaces and a functional design, this home presents an excellent opportunity to make it your own. One or more photo(s) may have been virtually staged, AI generated, or digitally enhanced.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Composition
  • Construction materials: Stone Veneer,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 1,034
  • Finished area above ground: 1,274

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,308
  • Total interior livable area: 2,308 sqft

Property

Details

  • Parcel number: 0006022
  • Special condition: As Is

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,754$21,048
Home Insurance *$238$2,856
Property Taxes $240$2,880
Electricity $176$2,114
Total$2,408$28,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,560/yr
40% on housing$72,240/yr
45% on housing$64,213/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 64078$189
Cass County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 64078$165
Cass County$175

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
2026-08-12Price change$325,000
2026-07-16Price change$346,999
2026-06-26Listed for sale$359,999
2024-10-16Listing removed$2,010
2024-04-25Listing removed--
2024-04-09Price change$2,010
2024-03-25Price change$2,035
2024-03-19Listed for rent$2,030
2022-03-30Listing removed--
2022-03-25Listed for rent$1,995
2017-08-15Sold--

For Sale by Agent

AgentYadi Ramon Herrera
BrokerageMainstay Brokerage LLC

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