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1205 Madison St, Centertown, MO, 65023

3beds
2baths
1,092sqft
$154,000
$141price/sqft
$1,120/moest. monthly cost
$44,800/yrincome needed

About This Home

Discover this inviting 3-bedroom, 2-bathroom home located at 1205 Madison St in Centertown. Spanning approximately 1,092 sq ft of living space, this residence features a classic front porch and a full basement offering excellent storage or hobby potential. Perfectly situated for convenience and comfort.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

8/10
5/10
Capital City High SchoolGrades 9-1211.0 mi

Construction

Condition

  • Year built: 1910

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Electric

Features

  • Finished area below ground: 0

Full Bathroom

  • Level: Main

Full Bathroom

  • Level: Main

Interior Area

  • Total structure area: 1,092
  • Total interior livable area: 1,092 sqft

Property

Details

  • Parcel number: 0000707250003002009

Lot

  • Lot size: 0.41 Acres
  • Lot size dimensions: .41

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

  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $778$9,336
Home Insurance *$108$1,296
Property Taxes $93$1,116
Electricity $141$1,693
Total$1,120$13,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,400/yr
40% on housing$33,600/yr
45% on housing$29,866/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 65023$127
Cole County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 65023$183
Cole County$138

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
2026-08-17Pending sale$154,000
2026-07-17Price change$154,000
2026-06-18Price change$159,900
2026-05-15Listed for sale$165,000
2022-12-22Sold--
2022-11-28Pending sale$99,900
2022-11-15Price change$99,900
2021-09-19Pending sale$78,500
2021-09-12Price change$78,500
2021-08-20Listed for sale$81,000
2020-08-16Sold--
2020-06-16Listed for sale$49,900

For Sale by Agent

AgentMichael Zouglas
BrokerageREO Xpress

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