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425 W Shore Dr, Cairo, MO, 65239

3beds
1baths
816sqft
$320,000
$392price/sqft
$2,778/moest. monthly cost
$111,120/yrincome needed

About This Home

This 3 bedroom, 1 bath home located on the west side of the big lake is your chance to own a turn key property at Holiday Acres. Many updates in recent years include a metal roof, flooring, mini split unit, new side door, and dock built in 2022. Large 2 level deck on the front of the home allows you to enjoy the beautiful lake views, with a firepit near the water for peaceful evenings. The dock is ready to go with lifts for a boat, jet skis, and kayaks plus plenty of room for seating. Price is for house with bedroom furnishings. Make this a turn key property and be able to walk right in on day 1 and start having fun by negotiating (for an additional cost) all house contents as well as boat, jet skis, kayak, and golf cart.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
6/10
Northeast High SchoolGrades 6-124.9 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Concrete Perimeter,Slab
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Microwave

Bedroom1

  • Level: Main
  • Area: 56.485
  • Dimensions: 8.69 x 6.5

Bedroom2

  • Level: Main
  • Area: 66.729
  • Dimensions: 8.7 x 7.67

Bedroom3

  • Level: Main
  • Area: 73.9404
  • Dimensions: 8.93 x 8.28

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • High Speed Internet,Kitchen/Family Combo,Laminate Counters,Wood Cabinets
  • Window features: Window Treatments
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0

Full Bathroom

  • Level: Main
  • Area: 51.944
  • Dimensions: 8.6 x 6.04

Heating & Cooling

  • Heating features: Mini-Split,Baseboard
  • Cooling features: Mini-Split

Interior Area

  • Total structure area: 816
  • Total interior livable area: 816 sqft

Living Room

  • Level: Main
  • Area: 323.3089
  • Dimensions: 23.11 x 13.99

Sunroom

  • Level: Main
  • Area: 130.752
  • Dimensions: 14.4 x 9.08

Property

Details

  • Parcel number: 024.017.00.0000048.000
  • Zoning description: R-SP Planned Single Family Residential

Features

  • Patio & porch: Deck

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 50' x 75'

Parking

  • Parking features: No Garage,Shared Driveway
  • Has garage: 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Inland Flooding
Lightning
Strong Wind
Drought
Hail
Ice Storm
Landslide

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 $1,618$19,416
Home Insurance *$803$9,636
Property Taxes $216$2,592
Electricity $141$1,693
Total$2,778$33,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,245/yr
40% on housing$83,340/yr
45% on housing$74,080/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: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$392This listing

vs Other Active Listings

Avg $/sqft

ZIP 65239$151
Randolph County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 65239$224
Randolph County$139

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
2026-03-31Price change$335,000
2026-03-19Price change$345,000
2026-03-05Price change$352,000
2026-01-21Listed for sale$356,500
2024-07-19Sold--
2024-06-20Pending sale$315,000
2024-06-14Listed for sale$315,000

For Sale by Agent

AgentTeresa C O'Brien
BrokerageWeichert, Realtors - House of Brokers

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