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920 Oak Street, Thayer, MO, 65791

3beds
1baths
1,232sqft
$169,500
$138price/sqft
$1,365/moest. monthly cost
$54,600/yrincome needed

About This Home

RANCH/TOWN HOME: Set on a roomy 3/4‑acre city parcel, this ranch‑style town home delivers country breathing room without sacrificing convenience. Its 1,680 sq ft packs seven functional rooms: a living room with a wood‑burning fireplace and gas starter; a dining room; a kitchen with plentiful prep space; three comfortable bedrooms; and a dedicated laundry/mud room that keeps mess at bay. An attached one‑car garage offers secure parking plus a workbench and loft, but storage doesn't stop there. A partial walk‑out basement houses lawn equipment, bikes, or hobby gear, while a tall, dry crawl space spans the home for even more capacity. Lose power? A whole‑house Generac propane generator kicks on automatically, keeping lights and appliances humming. Outdoors, the level lot once hosted a large vegetable garden and still boasts rich soil, full‑sun exposure, and perimeter spigots--ready for raised beds or fruit trees. This property could be a great spot for a 4‑H project that can easily share the space. Mature shade trees dot the lawn, and there's room to add a pit, play set, or future workshop. Whether you're craving elbow room for pets, looking to cultivate a garden, or seeking an easy‑to‑maintain home base near schools, shops, and parks, this property offers the best of both worlds--urban amenities with rural freedom. Move‑in ready and waiting for your personal touch, it feels miles away yet keeps everything close. Schedule your showing today to unlock its potential!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
Thayer Elementary SchoolGrades PK-61.0 mi
7/10
Thayer Sr. High SchoolGrades 7-121.0 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Block,Permanent
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Electric Oven,Dryer,Washer,Refrigerator,Electric Water Heater
  • Laundry features: In Basement,W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Unfinished,Partial

Bedroom1

  • Area: 156
  • Dimensions: 12 x 13

Bedroom2

  • Area: 120
  • Dimensions: 12 x 10

Bedroom3

  • Area: 90
  • Dimensions: 10 x 9

Bedrooms & Bathrooms

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

Dining Room

  • Area: 110
  • Dimensions: 11 x 10

Features

  • Laminate Counters
  • Door features: Storm Door(s)
  • Window features: Drapes,Double Pane Windows,Blinds
  • Flooring: Carpet,Laminate
  • Fireplace features: Living Room,Circulating
  • Fireplace: Yes
  • Attic: Access Only:No Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,232

Garage

  • Area: 480
  • Dimensions: 24 x 20

Heating & Cooling

  • Heating features: Central,Fireplace(s),Propane
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,104
  • Total interior livable area: 1,232 sqft

Kitchen

  • Area: 96
  • Dimensions: 12 x 8

Living Room

  • Area: 247
  • Dimensions: 19 x 13

Porch

  • Area: 480
  • Dimensions: 24 x 20

Property

Details

  • Parcel number: 239.03040160004.00000
  • Other equipment: Generator

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Rear Porch
  • Fencing: None
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.75 Acres
  • Features: Acreage

Parking

  • Total spaces: 1
  • Parking features: Additional Parking,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $857$10,284
Home Insurance *$298$3,576
Property Taxes $69$828
Electricity $141$1,693
Total$1,365$16,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,800/yr
40% on housing$40,950/yr
45% on housing$36,400/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 65791$87
Oregon County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 65791
Oregon County$65

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
2026-05-13Price change$169,500
2026-01-06Price change$185,000
2021-08-25Pending sale$149,500
2021-05-21Price change$149,500
2021-05-10Listed for sale$160,000

For Sale by Agent

AgentNorman Cozort
BrokerageUnited Country-Cozort Realty, Inc.

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