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20776 County Road 110, Tina, MO, 64682

4beds
3baths
2,620sqft
$420,000
$160price/sqft
$3,110/moest. monthly cost
$124,400/yrincome needed

About This Home

Price Reduced! Escape to the peace and privacy of country living with this exceptional rural property situated on 15 picturesque acres of pasture and timber. This well-maintained 2,600-square-foot earth-contact home offers 4 bedrooms, 3 bathrooms, and a functional floor plan designed for comfortable everyday living. Numerous updates provide peace of mind, including low-maintenance vinyl siding, an architectural shingle roof, new gutters, and a high-efficiency HVAC system. Inside, you'll find spacious living areas and a practical layout that accommodates both family living and entertaining. The acreage offers the perfect blend of open pasture and mature timber, creating a beautiful setting and ideal habitat for abundant wildlife. Whether you're looking for a hobby farm, hunting retreat, or simply a private country escape, this property offers endless possibilities. Adding even more value is the 30' x 45' shop, providing ample space for weekend projects, equipment storage, hobbies, or keeping vehicles protected from the elements. If you've been searching for a property that combines comfortable living, useful improvements, and the beauty of rural acreage, this is a rare opportunity you won't want to miss.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
8/10
Tina-Avalon High SchoolGrades 7-124.6 mi

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator
  • Laundry features: Bedroom Level

Basement

  • Basement: Other

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,620

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,620
  • Total interior livable area: 2,620 sqft

Property

Details

  • Parcel number: 041.20200000401

Features

  • Patio & porch: Porch

Lot

  • Lot size: 15 Acres
  • Features: Acreage,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $2,123$25,476
Home Insurance *$546$6,552
Property Taxes $241$2,892
Electricity $200$2,400
Total$3,110$37,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,628/yr
40% on housing$93,300/yr
45% on housing$82,933/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.9%
-3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 64682
Carroll County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 64682
Carroll County$107

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
2026-07-01Price change$420,000
2026-06-03Listed for sale$440,000

For Sale by Agent

AgentMichael Wellman
BrokerageSell Well Realty

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