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1304 Cottage Ln, Jefferson City, MO, 65101

2beds
1baths
979sqft
$160,000
$163price/sqft
$1,186/moest. monthly cost
$47,440/yrincome needed

About This Home

Great investment opportunity for a seasoned investor or someone looking to start. This two bedroom, 1 full bathroom rancher comes fully furnished and has had a great rental history as a Mid term rental for traveling nurses and all different types of professions visiting Jefferson City. Currently the property has a tenant staying on a lease for the next 10 months at $2,000 a month. Dont miss out on your opportunity to see this one.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
4/10

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range Hood,Range,Dryer,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Full

Bedroom2

  • Level: Main
  • Area: 100
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 12 x 11

Features

  • Finished area below ground: 0
  • Finished area above ground: 979

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 979
  • Total interior livable area: 979 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 13 x 11

Laundry

  • Level: Lower

Living Room

  • Level: Main
  • Area: 110
  • Dimensions: 11 x 10

Primary Bedroom

  • Level: Main
  • Area: 110
  • Dimensions: 11 x 10

Property

Details

  • Parcel number: 1104170004002046

Lot

  • Lot size: 3,049 sqft

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Ice Storm
Tornado
Winter Weather
Cold Wave
Lightning
Strong Wind

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 $809$9,708
Home Insurance *$139$1,668
Property Taxes $97$1,164
Electricity $141$1,693
Total$1,186$14,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,662/yr
40% on housing$35,580/yr
45% on housing$31,626/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 65101$127
Cole County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 65101$127
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
2026-08-10Pending sale$160,000
2026-07-22Listed for sale$160,000
2022-11-18Sold--
2022-10-28Pending sale$98,700
2022-09-22Listed for sale$98,700

For Sale by Agent

AgentJustin Dusheke
BrokerageAdam Stark Home Selling Team

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