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1577 Cup Tree Rd, Gravois Mills, MO, 65037

2beds
2baths
864sqft
$280,000
$324price/sqft
$1,802/moest. monthly cost
$72,080/yrincome needed

About This Home

Affordable lake life near Big Dick’s and Station 46 Marina with a PRIVATE DOCK!!! Located at the 47MM, this 2 bed, 2 bath getaway is perfect for a peaceful weekend escape or a nightly rental opportunity! The main level features comfortable, move-in ready living with both bedrooms, bathrooms, kitchen, and living space all on one level. The unfinished lower level (exterior access) provides laundry, utilities, and storage for all your lake gear. Enjoy lake views from the upper deck and additional outdoor space on the lower patio. Just down the road — close enough for a walk or golf cart ride — the included lakefront parcel features a private concrete dock with swim platform and PWC slip! Hangout, relax, fish, swim. Enjoy lake life with out the expensive price tag! The kind of place where mornings are quiet on the deck and evenings are filled with laughter — because it’s never been about the square footage, it’s about the lake.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

7/10
Camdenton Middle SchoolGrades 7-816.4 mi
6/10
Camdenton High SchoolGrades 9-1216.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled

Materials

  • Foundation: Basement,Block
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2025

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Partial

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • Ceiling Fan(s)
  • Fireplace features: None

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 864 sqft

Property

Details

  • Parcel number: 03803300000003045000
  • Zoning description: Residential
  • Exclusions: personal items

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Open,Patio
  • Exterior features: Covered Patio,Deck,Gravel Driveway,Storage
  • On waterfront: Yes
  • Waterfront features: Lake Front,Seawall

Lot

  • Features: Lake Front
  • Lot size dimensions: Irregular

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
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 $1,415$16,980
Home Insurance *$139$1,668
Property Taxes $107$1,284
Electricity $141$1,693
Total$1,802$21,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,782/yr
40% on housing$54,060/yr
45% on housing$48,053/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: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$324This listing

vs Other Active Listings

Avg $/sqft

ZIP 65037$218
Camden County$257

vs Homes Sold Last Month

Median $/sqft

ZIP 65037
Camden County$221

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
2026-03-03Listed for sale$300,000
2022-05-17Listing removed--
2022-04-29Contingent$298,000
2022-04-19Listed for sale$298,000
2019-05-17Listing removed$149,900
2019-05-06Pending sale$149,900
2018-08-31Price change$149,900
2018-06-01Listed for sale$159,900
2018-05-03Pending sale$159,900
2018-03-20Listed for sale$159,900

For Sale by Agent

AgentAllyson Cline
BrokerageReeceNichols Real Estate

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