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312 E Gay St, Warrensburg, MO, 64093

4beds
2baths
2,079sqft
$214,999
$103price/sqft
$1,563/moest. monthly cost
$62,520/yrincome needed

About This Home

Step into timeless charm with this beautifully maintained historic home ideally located near the University of Central Missouri and Whiteman Air Force Base. Offering over 2,000 square feet of living space, this four-bedroom, two-bath residence blends classic character with meaningful modern updates, creating a home that is both inviting and functional. From the moment you walk in, you’ll notice the soaring ceilings, oversized windows, and spacious living areas that give the home an open, airy feel. Rich hardwood floors, thoughtfully treated and restored on both the first and second levels, add warmth and authenticity, while unique features like the butler’s pantry bring a touch of old-world charm that’s hard to find. This home has been carefully updated with major improvements already completed, including a new furnace, a new roof with updated shingles, and an HVAC system that was replaced in 2018. The remodeled master bathroom offers a fresh, modern feel, while new stairs, updated doors, and all-new hardware and fixtures elevate the home throughout. Fresh paint and updated lighting complete the polished, move-in-ready interior. Outside, the large fenced yard provides both privacy and room to spread out, enhanced by a new pressure-treated privacy fence in both the front and back. The front deck has been reinforced and newly painted, creating a welcoming space to relax, and a new back door with updated hardware adds both convenience and style. A detached garage offers additional storage and functionality, while the kitchen features a new stove and stainless steel appliances ready for everyday living. Full of character, space, and thoughtful updates, this home offers a rare opportunity to enjoy the charm of an older property with the comfort of modern improvements.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

6/10
4/10
5/10
Warrensburg High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,079

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,079
  • Total interior livable area: 2,079 sqft

Property

Details

  • Parcel number: 12602404004003000

Lot

  • Lot size: 9,380 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $1,087$13,044
Home Insurance *$195$2,340
Property Taxes $123$1,476
Electricity $158$1,905
Total$1,563$18,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,588/yr
40% on housing$46,890/yr
45% on housing$41,680/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 64093$154
Johnson County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 64093$147
Johnson County$151

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
2026-05-06Price change$249,000
2026-04-22Price change$259,000
2026-04-08Listed for sale$269,000
2023-02-13Sold--
2023-01-13Pending sale$189,000
2022-10-19Price change$189,000
2022-09-01Listed for sale$200,000
2021-06-25Sold--
2021-05-02Pending sale$149,900
2021-04-30Listed for sale$149,900

For Sale by Agent

AgentEva Norton
BrokerageThe Next Door Agents, LLC

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