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304 Joe Ln, Jefferson City, MO, 65101

4beds
3baths
2,481sqft
$449,900
$181price/sqft
$3,127/moest. monthly cost
$125,080/yrincome needed

About This Home

Welcome to your dream home! This stunning new construction ranch-style residence features a spacious, modern design with 2500 square feet on the main level. The open-concept floor plan and split bedroom layout offer both convenience and luxury. The gourmet kitchen is a chef's delight, boasting a massive quartz island, quartz countertops, and elegant black walnut cabinets. The kitchen also features top-of-the-line stainless steel appliances, including a 36-inch dual fuel range with a striking red oven, a large farmhouse sink, and a walk-in pantry. The expansive living area flows seamlessly, perfect for entertaining. High ceilings, recessed lighting, and a large ceiling fan enhance the home's modern aesthetic. The master suite is a true retreat, featuring two walk-in closets, separate his and hers vanities, a soaking tub, and a beautifully tiled walk-in shower with modern fixtures. Each bedroom is equipped with ceiling fans for year-round comfort. Practical features include a tankless water heater for cost and energy savings, 3 light temperature cans and fans, insulated garage doors, and WiFi-connected garage door openers. The large unfinished fully framed basement offers nearly 2500 sqft endless possibilities for customization, providing ample space to create additional living areas, 2 additional bathrooms, a recreation room, plus a fully encased concrete room for storm shelter, wine cellar and/or food storage. The exterior of the home is just as impressive, with an oversized 3-car main level garage, a 1-car lower level garage, and a covered patio perfect for outdoor entertaining. Don't miss out on the opportunity to make this house your home. Schedule a showing today and experience all it has to offer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
East Elementary SchoolGrades K-51.2 mi
7/10
4/10

Construction

Condition

  • Year built: 2024

Materials

  • Construction materials: Vinyl Siding,Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Range Hood,Range,Dishwasher,Disposal,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Full

Bedroom2

  • Level: Main
  • Area: 149.8125
  • Dimensions: 12.75 x 11.75

Bedroom3

  • Level: Main
  • Area: 141
  • Dimensions: 12 x 11.75

Bedroom4

  • Level: Main
  • Area: 141
  • Dimensions: 12 x 11.75

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Pantry,Walk-In Closet(s)
  • Finished area below ground: 0
  • Finished area above ground: 2,481

Heating & Cooling

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

Interior Area

  • Total structure area: 2,481
  • Total interior livable area: 2,481 sqft

Kitchen

  • Level: Main
  • Area: 261.625
  • Dimensions: 22.75 x 11.5

Laundry

  • Level: Main
  • Area: 84
  • Dimensions: 10.5 x 8

Living Room

  • Level: Main
  • Area: 430.5625
  • Dimensions: 20.75 x 20.75

Primary Bathroom

  • Level: Main
  • Area: 157.5
  • Dimensions: 18 x 8.75

Primary Bedroom

  • Level: Main
  • Area: 270
  • Dimensions: 18 x 15

Property

Details

  • Parcel number: 1105160004004015

Lot

  • Lot size: 0.43 Acres

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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively 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
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

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

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 $2,274$27,288
Home Insurance *$391$4,692
Property Taxes $273$3,276
Electricity $189$2,273
Total$3,127$37,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,211/yr
40% on housing$93,810/yr
45% on housing$83,386/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

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 65101$125
Cole County$140

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)

Price History

DateEventPrice
2026-04-30Price change$469,500
2026-03-27Listed for sale$498,500
2026-03-25Listing removed$3,600
2026-02-03Price change$3,600
2026-01-15Listed for rent$3,800
2024-10-30Listing removed$498,750
2024-09-24Price change$498,750
2024-07-20Listed for sale$529,900
2023-12-20Listing removed--
2023-11-15Listed for rent$5,000
2021-01-11Listing removed--
2020-09-30Listed for sale$26,000

For Sale by Agent

AgentAdam Stark
BrokerageAdam Stark Home Selling Team

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