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317 S Kentucky St, Adrian, MO, 64720

4beds
3baths
3,748sqft
$589,990
$157price/sqft
$3,947/moest. monthly cost
$157,880/yrincome needed

About This Home

New Price much below replacement cost, On a short acre, Top quality Custom built home w/separate entry apartment with living room, full kitchen, full bath w/laundry, and 2 bedrooms. Home has a large Spa/Sunroom w/hot-tub and gym. Anderson windows throughout, Walk-in Pantry, breakfast bar island with cooktop in kitchen. Large soaking tub in master bath. Master bath has a large handicap accessible walk-in shower. Room to build an additional house or swimming pool. Beautifully landscaped. Huge amount of off street parking. Must see!

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
Adrian Elementary SchoolGrades PK-50.5 mi
5/10
Adrian Sr. High SchoolGrades 6-120.5 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Composition
  • Construction materials: Brick Veneer,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Lower Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement BR,Finished,Interior Entry,Walk-Out Access

Bedroom2

  • Level: Main

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Custom Cabinets,Pantry,In-Law Floorplan,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Window Coverings,Thermal Windows
  • Flooring: Wood
  • Finished area below ground: 1,593
  • Finished area above ground: 2,155

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,748
  • Total interior livable area: 3,748 sqft

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 0802.004010001012.020
  • Other equipment: Satellite Dish

Features

  • Has spa: Yes
  • Spa features: Hot Tub

Lot

  • Lot size: 0.96 Acres
  • Features: City Limits,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
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 $2,983$35,796
Home Insurance *$403$4,836
Property Taxes $275$3,300
Electricity $286$3,434
Total$3,947$47,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,325/yr
40% on housing$118,410/yr
45% on housing$105,253/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 64720$181
Bates County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 64720$177
Bates 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
2026-05-21Listed for sale$589,990
2026-05-20Listing removed$599,900
2026-05-16Listed for sale$599,900
2026-04-15Contingent$599,900
2026-03-26Price change$599,900
2026-01-12Price change$649,900
2025-12-19Listed for sale$675,000
2025-11-02Listing removed$699,850
2025-08-16Price change$699,850
2025-07-30Listed for sale$725,000

For Sale by Agent

AgentCurtis Filer
BrokerageHeritage House Realty

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