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1240 NW Highway A, Lowry City, MO, 64763

3beds
2baths
1,600sqft
$220,000
$138price/sqft
$1,456/moest. monthly cost
$58,240/yrincome needed

About This Home

Home with approximately 20 Acres, 2 Ponds and Large Storage Barn…. Just Endless Potential. A rare opportunity to own a peaceful retreat in the heart of Lowry City, MO! This ranch-style home sits on approximately 20 acres just minutes from Truman Lake, offering the perfect balance of privacy, functionality, and potential. This property is a fixer-upper with incredible opportunity, ideal for buyers looking to create their dream home or invest in land with purpose. With expansive, usable acreage, it is perfect for farming, raising livestock, or maintaining cattle, making it a great fit for both hobby farmers and agricultural use. Enjoy the natural beauty of the land, featuring two ponds ready to be stocked and a centrally located gazebo—an inviting space to relax and take in the wide-open views. The property also includes a 2-car attached garage, a large storage barn with a garage door, and an additional storage shed behind the home, providing ample space for equipment, tools, or feed if necessary. Inside, the home offers an open floor plan with all living areas on one level—no stairs to worry about—adding to the ease and accessibility of country living. Please note: Seller is responsible for verifying all information, including lot size, usage, taxes, and other details. Property is being sold in its current condition. Inspection report on file.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
4/10
Lakeland High SchoolGrades 7-124.6 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Composition
  • Construction materials: Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Freezer,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Other

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,600

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Property

Details

  • Parcel number: 054.017000000002.00
  • Special condition: As Is
  • Exclusions: All

Lot

  • Lot size: 19.80 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High

How This Home’s Risks Compare

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

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 $1,112$13,344
Home Insurance *$110$1,320
Property Taxes $93$1,116
Electricity $141$1,693
Total$1,456$17,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,920/yr
40% on housing$43,680/yr
45% on housing$38,826/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 64763$133
St. Clair County$500

vs Homes Sold Last Month

Median $/sqft

ZIP 64763
St. Clair County$263

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
2026-04-28Price change$275,000
2026-04-20Listed for sale$285,000
2026-04-13Contingent$285,000
2026-04-02Listed for sale$285,000
2026-03-30Contingent$310,000
2026-03-25Price change$310,000
2026-02-18Price change$325,000
2025-12-22Price change$340,000
2025-12-04Price change$345,000
2025-11-10Listed for sale$350,000

For Sale by Agent

AgentDana Watson
BrokerageEye On Prize Realty, LLC

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