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22760 Private Drive 9002, Saint James, MO, 65529

2beds
1baths
600sqft
$350,000
$583price/sqft
$2,356/moest. monthly cost
$94,240/yrincome needed

About This Home

Escape to the peaceful beauty of the Gasconade River with this charming 2-bedroom, 1-bath riverfront cabin that's ready for your next adventure. Whether you're searching for a relaxing weekend getaway, a full-time retreat, or an investment opportunity, this well-maintained property offers the perfect blend of comfort, nature, and endless potential. Wake up to the sights and sounds of the river, spend your afternoons fishing, kayaking, floating, or simply unwinding on the bank as the water flows by. This inviting cabin has been lovingly cared for, allowing you to spend more time making memories and less time worrying about maintenance. What truly sets this property apart is the incredible value of the additional lots included in the sale. With 1 lot next to the cabin and one more behind it, you'll enjoy extra privacy, room to expand, space for outdoor entertaining, or the opportunity to create your own riverfront oasis. Whether you envision adding a garage, extra parking, a firepit gathering area, or simply preserving the open space, the possibilities are endless. Properties on the sought-after Gasconade River don't come along often—especially ones offering this much flexibility and potential. Don't miss your chance to own a slice of Missouri riverfront paradise. Schedule your private showing today and discover everything this unique property has to offer!

Getting Around

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

Schools

3/10
Newburg Elementary SchoolGrades PK-64.5 mi
3/10
Newburg High SchoolGrades 7-124.5 mi

Construction

Condition

  • Year built: 2000

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Electric Oven,Electric Range,Refrigerator
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Concrete,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Eat-in Kitchen,Lever Faucets,Open Floorplan
  • Flooring: Carpet,Laminate
  • Finished area above ground: 600

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 600
  • Total interior livable area: 600 sqft

Property

Details

  • Parcel number: 71076.024002003046.000
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck,Wrap Around
  • Has view: Yes
  • View description: River
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Access,River Front

Lot

  • Lot size: 0.74 Acres
  • Features: Adjoins Open Ground,Adjoins Wooded Area,Back Yard,Few Trees,Gentle Sloping,Level,Other

Parking

  • Total spaces: 1
  • Parking features: Basement
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Winter Weather
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 $1,769$21,228
Home Insurance *$263$3,156
Property Taxes $183$2,196
Electricity $141$1,693
Total$2,356$28,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,777/yr
40% on housing$70,680/yr
45% on housing$62,826/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$583This listing

vs Other Active Listings

Avg $/sqft

ZIP 65529$112
Phelps County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 65529$114
Phelps 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
2026-07-03Listed for sale$350,000

For Sale by Agent

AgentLance E Lewis
BrokerageEXP Realty LLC

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