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39 James River Road, Kimberling City, MO, 65686

3beds
2baths
1,754sqft
$385,000
$219price/sqft
$2,421/moest. monthly cost
$96,840/yrincome needed

About This Home

Now with quote for a circle drive for easy access off James River Road! Perfectly perched in lake-loving Kimberling Hills, this attractively priced 3-bed (one bedroom is non-conforming lower level living room), 2-bath home offers sweeping year-round views of Table Rock Lake, the Ozark Mountains, city skyline, and sunrises over the bridge. Enjoy the serenity of nature from the covered back deck and lower-level patio. A concrete driveway and attached two-car garage with workshop provide ample parking and functionality. Low-maintenance landscaping adds to the appeal of easy lake living. Inside, the main level features an open and functional floor plan with a spacious kitchen offering dine-in bar, generous prep space, and newer appliances included. A cozy brick fireplace creates the perfect centerpiece for gatherings. Oversized windows flood the home with natural light and showcase endless lake views. The main level also includes two large bedrooms and a full guest bath. The walk-out lower level offers a second living/recreation area, second full bath, laundry area with natural light, and extensive storage space. Step outside to the covered patio with more unforgettable lake views. Bonus features include a two-year-old roof and optional boat slips available through third party: 10x28 for $85K or 10x22 for $65K. Located just a short golf cart ride (permit required) to downtown Kimberling City with restaurants, shops, spas, a seasonal farmers market, and the popular Port of Kimberling Marina. Only 30 minutes (+/-) to Branson for world-class dining, shopping, and entertainment. Whether you're looking for a full-time residence, weekend getaway, or vacation rental opportunity, 39 James River delivers lake life at its best.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

8/10
3/10
5/10
Reeds Spring High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Other
  • Roof: Composition
  • Construction materials: Wood Siding,Vinyl Siding,Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Propane Water Heater,Free-Standing Electric Oven,Dryer,Washer,Microwave,Refrigerator
  • Laundry features: W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Finished,Partial

Bathroom Full

  • Area: 66.85
  • Dimensions: 11.33 x 5.9

Bathroom Three Quarter

  • Area: 49.48
  • Dimensions: 6.75 x 7.33

Bedroom1

  • Area: 182
  • Dimensions: 13 x 14

Bedroom2

  • Area: 190.28
  • Dimensions: 12.9 x 14.75

Bedrooms & Bathrooms

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

Deck

  • Area: 235
  • Dimensions: 20 x 11.75

Entry Hall

  • Area: 55.22
  • Dimensions: 15.17 x 3.64

Features

  • High Speed Internet,Laminate Counters,Walk-in Shower
  • Flooring: Carpet,Tile
  • Fireplace features: Family Room,Propane,Brick
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 494
  • Finished area above ground: 1,260

Garage

  • Area: 438.7
  • Dimensions: 21.75 x 20.17

Heating & Cooling

  • Heating features: Central,Heat Pump Dual Fuel,Fireplace(s),Electric,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,754
  • Total interior livable area: 1,754 sqft

Kitchen

  • Area: 372.58
  • Dimensions: 26 x 14.33

Laundry

  • Area: 117.04
  • Dimensions: 11.33 x 10.33

Living Room

  • Area: 381.56
  • Dimensions: 14.58 x 26.17

Living Room

  • Area: 326.88
  • Dimensions: 14.58 x 22.42

Other

  • Area: 51.88
  • Dimensions: 3.42 x 15.17

Workshop

  • Area: 197.49
  • Dimensions: 9.08 x 21.75

Property

Details

  • Parcel number: 118.033001005007.000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Covered,Deck
  • Has view: Yes
  • View description: City,Lake,Panoramic,Water
  • Has water view: Yes
  • Water view: Lake,Water

Lot

  • Lot size: 0.35 Acres
  • Features: Landscaped,Sloped,Level,Cleared
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Paved
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
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 $1,946$23,352
Home Insurance *$193$2,316
Property Taxes $141$1,692
Electricity $141$1,693
Total$2,421$29,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,005/yr
40% on housing$72,630/yr
45% on housing$64,560/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: 6.8%
6.8%
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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 65686$221
Stone County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 65686
Stone County$183

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
2025-12-02Price change$390,000
2025-06-13Price change$395,000
2025-05-29Listed for sale$400,000

For Sale by Agent

AgentAnn Ferguson
BrokerageKeller Williams Tri-Lakes

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