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31611 Millstone Est, Gravois Mills, MO, 65037

3beds
3baths
1,800sqft
$394,000
$219price/sqft
$2,577/moest. monthly cost
$103,080/yrincome needed

About This Home

Carefree lake living with this stand alone townhouse located on the Gravois Arm. The only connecting section to the neighboring unit is the open carport. No connecting wall with the living spaces. It's like having your own private residence! The main level consists of a 2-story great room with a wood burning fireplace, a large kitchen with plenty of counter space and cabinets, all appliances included, small eat-at counter in kitchen, a dining area, half-bath and laundry/utility room. The upper level has a master bedroom with a bath and 2 guest bedrooms with a hall full bath in between them. The walkway overlooks the great room. There is a carport for your vehicle and a small storage shed with a garage door for your lake toys and other items. There is currently a golf cart in there which is available for extra $$$. To round out the package is a 12x32 boat slip in the community dock which is located on the other side of the street. No land or lakefront included.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
4/10
Morgan Co. Middle SchoolGrades 6-815.4 mi
4/10
Morgan Co. High SchoolGrades 9-1215.4 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Oven/Range,Refrigerator,Dryer,Washer,Water Softener Owned,Electric Water Heater
  • Laundry features: Main Level

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Window features: Vinyl
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Forced Air,Electric,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Features: Cabinets Wood
  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 157035300002023000

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Mailbox
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $1,992$23,904
Home Insurance *$287$3,444
Property Taxes $157$1,884
Electricity $141$1,693
Total$2,577$30,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,354/yr
40% on housing$77,310/yr
45% on housing$68,720/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: -4.7%
-4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 65037$214
Morgan County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 65037
Morgan County$231

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
2026-02-24Price change$394,000
2025-12-16Listed for sale$399,000

For Sale by Agent

AgentShirley Jones
BrokeragePlatinum Realty LLC

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