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1955 Highway Z, Fredericktown, MO, 63645

5beds
2baths
1,559sqft
$449,900
$289price/sqft
$3,359/moest. monthly cost
$134,360/yrincome needed

About This Home

If you are looking for a well maintained home, shop and room to roam, look no further! Built in 2019, this home features 1,559 sq. ft. on the main level and offers an inviting open kitchen, dining and living space, perfect for gathering. The master suite has a vaulted ceiling, double sinks, separate tub and shower and a closet large enough you'll likely have room to spare. Two additional bedrooms and an additional bath complete the main level. An open staircase leads to the basement which offers tons of additional space including two bedrooms, other rooms to use as you'd like and plumbing roughed in for an additional bath. The tasteful finishes throughout the interior of the home are matched by the curb appeal on the outside. Surrounded by open yard on all sides and backed by woods, this 12 acre parcel provides opportunities for a garden, play, entertaining and even a little hunting. In addition to the attached garage, the 30' x 50' 2-bay shop is located a short walk from the home and makes this property check all the boxes. Located just outside Fredericktown on a paved state highway, this home is one you'll want to see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
4/10
Fredericktown High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame,Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area above ground: 1,559

Heating & Cooling

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

Interior Area

  • Total structure area: 1,559
  • Total interior livable area: 1,559 sqft

Property

Details

  • Parcel number: 075.022000000002.000
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 12 Acres
  • Features: Adjoins Wooded Area

Parking

  • Total spaces: 2
  • Parking features: Attached,Detached
  • 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
    Cold WaveVery High
  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,274$27,288
Home Insurance *$705$8,460
Property Taxes $239$2,868
Electricity $141$1,693
Total$3,359$40,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,165/yr
40% on housing$100,770/yr
45% on housing$89,573/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -4.4%
-4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$289This listing

vs Other Active Listings

Avg $/sqft

ZIP 63645$155
Madison County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 63645
Madison County$104

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
2026-05-11Listed for sale$449,900
2026-05-05Listing removed--
2026-04-13Price change$449,900
2026-01-21Listed for sale$459,900
2025-12-28Listing removed--
2025-09-29Listed for sale$459,900

For Sale by Agent

AgentKyle D Stephens
BrokerageSwinford Realty, LLC

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