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106 E Lafayette St, El Dorado Springs, MO, 64744

2beds
1baths
875sqft
$119,500
$137price/sqft
$953/moest. monthly cost
$38,120/yrincome needed

About This Home

New Construction Home For Sale - El Dorado Springs, MO. Tired of fixer-uppers? Discover this affordable, low-maintenance new build in the heart of El Dorado Springs - a move-in ready option for buyers seeking simplicity, efficiency, and modern comfort. This 2-bedroom, 1-bathroom home offers 875 sq ft of well-designed living space. The kitchen features custom cabinets, a pantry, and brand-new appliances including a refrigerator, oven, and built-in microwave - ready for use on day one. The two bedrooms share a full hall bathroom with a shower-over-tub combo. In addition, a covered back patio provides a comfortable outdoor retreat. The buyer who puts this home under contract soon will be able to select some colors and finishes, allowing them to customize to their preferences. Estimated completion is summer 2026 - now is the perfect time to secure this quality-built home before it's gone. Photos provided are from a similar home by the same builder; final colors and layout may vary. Call today to schedule a tour or make an offer.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Other

  • Builder name: Bullard

Type & Style

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

Interior

Appliances

  • Appliances included: Exhaust Fan,Microwave,Refrigerator

Basement

  • Basement: Slab

Bathroom1

  • Features: Luxury Vinyl
  • Level: First

Bedroom1

  • Features: Carpet
  • Level: First

Bedroom2

  • Features: Carpet
  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 875

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 875
  • Total interior livable area: 875 sqft

Kitchen

  • Features: Luxury Vinyl
  • Level: First

Living Room

  • Features: Luxury Vinyl
  • Level: First

Utility Room

  • Features: Luxury Vinyl
  • Level: First

Property

Details

  • Parcel number: 030.521004051002.00

Features

  • Patio & porch: Porch

Lot

  • Lot size: 0.33 Acres
  • Features: Level

Parking

  • Parking features: Other

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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Hail
Heat Wave
Ice Storm
Lightning
Winter Weather
Cold 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 $604$7,248
Home Insurance *$150$1,800
Property Taxes $58$696
Electricity $141$1,693
Total$953$11,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,674/yr
40% on housing$28,590/yr
45% on housing$25,413/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.3%
6.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 64744$206
Cedar County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 64744
Cedar County$119

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
2025-10-17Listed for sale$125,900

For Sale by Agent

AgentRyan Hubbard
BrokerageUnited Country American Heartl

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