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1903 Cherry St, Seneca, MO, 64865

2beds
1baths
912sqft
$159,900
$175price/sqft
$1,229/moest. monthly cost
$49,160/yrincome needed

About This Home

2 Bedroom, 1 Bathroom, Raised Ranch Style Home sitting on a Drive Under Garage and Unfinished Basement located in Well-established neighborhood in Seneca. Home features a spacious Living Room and Kitchen/Dining Area. Unfinished Basement provides ample storage area and so many other possibilities. Several recent updates! You don't want to miss this one!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Seneca Elementary SchoolGrades PK-30.4 mi
3/10
3/10
Seneca High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1959

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 912

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 912
  • Total interior livable area: 912 sqft

Property

Details

  • Parcel number: 187036003018010000

Features

  • Patio & porch: Deck
  • Fencing: None
  • Topography of land: Sloping

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 0.25

Parking

  • Total spaces: 1
  • Parking features: Garage,Open
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
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 $808$9,696
Home Insurance *$198$2,376
Property Taxes $82$984
Electricity $141$1,693
Total$1,229$14,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,137/yr
40% on housing$36,870/yr
45% on housing$32,773/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 64865$137
Newton County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 64865$126
Newton County$133

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
2026-08-14Price change$155,900
2026-07-27Price change$159,900
2026-06-17Price change$164,900
2026-05-11Price change$169,900
2025-02-15Price change$155,000
2025-01-16Price change$160,000
2024-12-20Price change$169,900
2024-11-19Listed for sale$178,000
2022-07-08Sold--

For Sale by Agent

AgentBen Davis
BrokerageSWMOHOMES.COM

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