See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

12508 E 46th St S, Independence, MO, 64055

3beds
2baths
1,248sqft
$235,000
$188price/sqft
$1,755/moest. monthly cost
$70,200/yrincome needed

About This Home

Beautifully updated raised ranch with modern upgrades throughout! This home has been meticulously maintained. Enjoy peace of mind with a new furnace and appliances (1 year old), plus a roof, A/C, electrical, and plumbing system, all updated within the last 4 years. Inside, you’ll find refinished hardwood floors and ceramic tile in the kitchen and bathrooms. The layout is bright and open. Outside, the property offers exceptional convenience with a 2-car garage, garage door openers, and an additional driveway for extra parking. A standout feature is the fully finished shed, complete with interior paneling, electricity, and air conditioning—perfect for a home office. Homes this well-maintained don’t last long. Don’t miss your chance to make it yours! Buyer agents are welcome!

Getting Around

49
WalkingCar-Dependent
19
TransitMinimal Transit
34
BikeSomewhat Bikeable

Schools

6/10
3/10
Raytown Middle SchoolGrades 6-81.8 mi
2/10
Raytown Sr. High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1959

Materials

  • Roof: Composition

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Hardwood

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central,Other

Interior Area

  • Total interior livable area: 1,248 sqft

Property

Details

  • Parcel number: 33410160600000000

Features

  • Exterior features: Wood,Metal
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached,Off-street

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

  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Hail
Heat Wave
Tornado
Cold Wave

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
Severe Storm
Straight Line Winds
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 $1,188$14,256
Home Insurance *$205$2,460
Property Taxes $221$2,652
Electricity $141$1,693
Total$1,755$21,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,171/yr
40% on housing$52,650/yr
45% on housing$46,800/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 64055$170
Jackson County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 64055$143
Jackson County$151

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
2026-06-17Price change$235,000
2026-05-20Listed for sale$236,900
2022-06-13Sold--
2022-05-20Pending sale$205,000
2022-05-06Listed for sale$205,000
2022-04-27Pending sale$205,000
2022-04-22Listed for sale$205,000
2019-04-20Listing removed$1,095
2019-04-03Listed for rent$1,095
2017-06-19Listing removed$1,095
2017-05-27Listed for rent$1,095
2017-03-15Sold--

For Sale by Owner

AgentProperty Owner

Similar Homes