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411 S Locust St, Chamois, MO, 65024

2beds
1baths
1,118sqft
$94,900
$85price/sqft
$1,292/moest. monthly cost
$51,680/yrincome needed

About This Home

Talk about move-in ready this 2-bedroom, 1-bath home on a spacious corner lot just two blocks from the public school. HOME is ready for YOU! This charming, solid 1880 residence offers 1,118 sq ft of living space with a beautiful flat yard and fresh landscaping that welcomes you at the front entry. Enjoy small-town living, in a great neighborhood with major shopping and health care being a scenic drive of 25 minutes either West or East of Chamois. The home was used as a rental by the current owners, but they did an excellent job making sure the home is ready for its new homeowners. I love all the updates combined with the historic charm. You will not want to miss this listing it is sure to surprise you, and you may want to make it YOURS! Call today for your private tour.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

2/10
5/10
Chamois High SchoolGrades 6-120.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1880

Materials

  • Construction materials: Asbestos

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: Main
  • Area: 32.8125
  • Dimensions: 6.25 x 5.25

Bedroom2

  • Level: Main
  • Area: 98.4375
  • Dimensions: 11.25 x 8.75

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 148.0025
  • Dimensions: 11.17 x 13.25

Entry

  • Level: Main
  • Area: 34.545
  • Dimensions: 5.25 x 6.58

Features

  • Flooring: Wood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,118

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,118
  • Total interior livable area: 1,118 sqft

Kitchen

  • Level: Main
  • Area: 167.9175
  • Dimensions: 12.75 x 13.17

Laundry

  • Level: Main
  • Area: 28.455
  • Dimensions: 5.25 x 5.42

Living Room

  • Level: Main
  • Area: 214.72
  • Dimensions: 15.25 x 14.08

Primary Bedroom

  • Level: Main
  • Area: 230.1289
  • Dimensions: 15.17 x 15.17

Sunroom

  • Level: Main
  • Area: 107.775
  • Dimensions: 9.58 x 11.25

Property

Details

  • Parcel number: 03101104001000400

Lot

  • Lot size: 10,454 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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

  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $479$5,748
Home Insurance *$632$7,584
Property Taxes $40$480
Electricity $141$1,693
Total$1,292$15,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,297/yr
40% on housing$38,760/yr
45% on housing$34,453/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$85This listing

vs Other Active Listings

Avg $/sqft

ZIP 65024$24
Osage County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 65024$45
Osage County$185

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
2026-08-10Price change$89,900
2026-07-07Listed for sale$94,900

For Sale by Agent

AgentDenise Nolte
BrokerageMossy Oak Properties, Central Missouri Land & Homes, LLC

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