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1618 S McCoy St, Independence, MO, 64055

2beds
1baths
768sqft
$165,000
$215price/sqft
$1,274/moest. monthly cost
$50,960/yrincome needed

About This Home

Move right into this charming ranch! The big-ticket updates are already complete, including a 3-year-old roof, brand-new carpet, fresh interior paint, and all-new stainless steel appliances. The open living area flows seamlessly into the updated kitchen. Spacious bedrooms with abundant natural light for comfortable everyday living. Outside, you'll find an oversized 2-car garage, a wide concrete driveway, and a lush, tree-lined backyard that provides plenty of privacy. This move-in-ready home is the perfect blend of comfort, style, and convenience! Schedule your showing today!

Getting Around

20
WalkingCar-Dependent
0
TransitNo Nearby Transit
38
BikeSomewhat Bikeable

Schools

7/10
Bridger Middle SchoolGrades 63.2 mi
4/10
Truman High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1948

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 768

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Property

Details

  • Parcel number: 26440141000000000

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
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 $834$10,008
Home Insurance *$144$1,728
Property Taxes $155$1,860
Electricity $141$1,693
Total$1,274$15,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,680/yr
40% on housing$38,220/yr
45% on housing$33,973/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: 11.9%
11.9%
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

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 64055$171
Jackson County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 64055$143
Jackson 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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$165,000
2026-07-27Price change$165,000
2026-07-17Listed for sale$175,000
2025-08-14Listing removed$1,395
2025-07-30Listed for rent$1,395
2023-10-02Listing removed--
2023-09-23Listing removed--
2023-09-14Price change$157,900
2023-09-06Listed for rent$1,395
2023-08-10Listed for sale$162,900
2022-10-27Sold--
2021-07-01Listing removed--
2021-06-29Listed for rent$975
2021-05-05Sold--
2021-04-23Pending sale$89,000
2021-04-05Price change$89,000
2021-03-26Listed for sale$95,000
2008-04-28Sold--

For Sale by Agent

AgentAlly Emerson
Brokerage1st Class Real Estate KC

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