4437 SW 220th St, Plattsburg, MO, 64477
About This Home
Walk to Smithville Lake right from your backyard of this 3 bdrm 2.5 bath PLUS a full 1 bedroom apt w/full kitchen, laundry & huge deck w/private entrance for MIL, guest or income producing quarters! Nestled on a peaceful 3-acre lot backing to Corps of Engineers greenspace, this exceptional ranch home offers direct access to the lake and the perfect blend of privacy, luxury, and outdoor living. The boat launch to the lake is at the end of the paved street. From the moment you step inside, you'll appreciate the thoughtful designer finishes throughout. Stunning custom ceilings, beautiful built-in cabinetry, and carefully crafted details create a warm, inviting atmosphere that instantly feels like home. The primary suite is a true retreat, featuring a spacious walk-in closet with wired ventilation in the drawers to help keep clothing fresh and ready to wear. Attached to the home is an impressive 30' x 60' garage and workshop designed for hobbyists, entrepreneurs, or anyone needing exceptional workspace and RV storage. It features two 12' x 14' overhead garage doors with smart app controls, a full workshop, abundant tool storage, and a steel-reinforced concrete storm shelter for added peace of mind. Built within the structure is a fully equipped 600 sq ft one-bedroom apartment complete with a living room, full kitchen, full bath, laundry, and private deck—ideal for guests, extended family, or potential rental income. The home is also equipped with modern energy-efficient and smart-home features, including a 13 kW net-metered solar array (no battery backup), a Level 2 EV charging station with plug-and-charge capability, and Govee permanent exterior holiday and accent lighting on the front of the home, all conveniently controlled through an app. A 12' x 16' shed is also on property. With unmatched access to Smithville Lake, exceptional amenities, and countless premium upgrades, this one-of-a-kind property offers a lifestyle that's hard to find and even harder to leave.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Roof: Composition
- Construction materials: Stone Veneer,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room,Main Level
Basement
- Basement: Slab
Bathroom2
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Features
- Ceiling Fan(s),In-Law Floorplan
- Finished area above ground: 1,956
Great Room
- Level: Main
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Electric,Heat Pump,Wall Furnace,Wood Stove
- Cooling features: Electric,Heat Pump
Interior Area
- Total structure area: 1,956
- Total interior livable area: 1,956 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Master Bathroom
- Level: Main
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 1405216000000009000
Features
- Patio & porch: Patio
- Fencing: Metal,Partial
Lot
- Lot size: 3 Acres
- Features: Acreage
- Lot size dimensions: 175 x 754 x 181 x 796
Parking
- Total spaces: 2
- Parking features: Attached,Garage Faces Front
- 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
- Cold Wave
- Inland Flooding
- Tornado
- Hail
- Heat Wave
- Strong Wind
- Winter Weather
- Drought
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,539 | $42,468 |
| Home Insurance * | $616 | $7,392 |
| Property Taxes | $419 | $5,028 |
| Electricity | $149 | $1,792 |
| Total | $4,723 | $56,676 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Price change | $649,000 |
| 2026-08-09 | Price change | $675,000 |
| 2026-08-01 | Listed for sale | $699,900 |
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