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21017 S Ratner Rd, Overbrook, KS, 66524

4beds
4baths
2,100sqft
$770,000
$367price/sqft
$6,339/moest. monthly cost
$253,560/yrincome needed

About This Home

Located at 21017 S Ratner Rd near Overbrook, this 38.44-acre property delivers a well-rounded rural lifestyle with a newly constructed home (completed August 2024), a scenic pond, productive hay ground, and a strong presence of native wildlife—all just minutes from Pomona Lake. The ranch-style home was built with efficiency and comfort in mind, featuring modern systems, clean finishes, and a functional layout suited for both everyday living and weekend retreats. Large windows capture sweeping views of the surrounding acreage, filling the home with natural light and creating a seamless connection to the outdoors. Just outside, a thoughtfully designed fire pit with built-in seating overlooks the pond, offering the perfect setting for morning coffee, evening gatherings, or unwinding at the water’s edge. The land itself is a strong mix of usability and natural beauty. Approximately 26 acres are currently in hay production, providing both agricultural value and potential income. Timbered edges and natural drainage corridors create ideal wildlife habitat, with frequent deer sightings adding to the property’s appeal for hunting or simply enjoying nature. The remaining acreage provides ample room for livestock, food plots, trails, or future outbuildings, giving the next owner flexibility to make it their own. Despite its peaceful and private setting, the property remains conveniently close to Pomona Lake, where boating, fishing, and outdoor recreation are always within easy reach. Whether you’re looking for a full-time residence, a weekend getaway, or a multi-use investment property, this tract offers the space, improvements, and location to make it happen. Contact the listing agent today to schedule a showing!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
3/10
5/10
West Franklin High SchoolGrades 9-129.1 mi

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Other

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,100

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 2,100 sqft

Property

Details

  • Parcel number: 0701210100000008.010

Lot

  • Lot size: 38.44 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Ice Storm
    Ice StormVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kansas Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Winter Storm

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 $3,893$46,716
Home Insurance *$1,432$17,184
Property Taxes $847$10,164
Electricity $167$2,012
Total$6,339$76,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,337/yr
40% on housing$190,170/yr
45% on housing$169,040/yr

Kansas FAIR Plan Programs

Kansas All-Industry Placement Facility

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 11,507Commercial: 209
Total Premiums$9.41M
Total Exposure$949,000

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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$367This listing

vs Other Active Listings

Avg $/sqft

ZIP 66524$349
Osage County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 66524$111
Osage County$132

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
2026-05-04Price change$780,000
2026-02-17Price change$695,000
2026-02-14Price change$800,000
2025-11-12Listed for sale$695,000
2024-10-19Listing removed$900,000
2024-09-13Listed for sale$900,000

For Sale by Agent

AgentDavid Dietrich
BrokerageWhitetail Properties Real Esta

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