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3200 Mossy Ridge Way, Pacific, MO, 63069

2beds
1baths
640sqft
$515,000
$805price/sqft
$3,478/moest. monthly cost
$139,120/yrincome needed

About This Home

Welcome to your own private oasis of the most beautiful and serene 16.5 acres just minutes from the conveniences of the town of Pacific, MO and only 40 minutes to downtown St. Louis. This acreage offers the ultimate blend of peace and potential. Encompassed by lush woods, cleared gently rolling hills and level acreage boasts a lovely spring and creek fed pond that is stocked (Great Fishing!) and also offers a supply of water for the abundant deer, turkey and other wildlife on the property. This move-in-ready fully furnished retreat has a modest 2 Bedroom / 1 Bath home of 640 sq feet with a utility room that has a covered front porch and deck in back that overlooks the largest wet waterfall on the property (there are 4 in total!) and creek which leads to the pond. All interior items of the home stay as well. The home is anchored with 16 concrete piers 3ft deep with rebar at anchor points for added stability & extra peace of mind. The property offers updated plumbing supplying the water, septic and updated electric as well. The newer septic system is designed for a 4 bedroom home perfect to create your ideal country lifestyle dream home! Sandstone rock formations line the creek that meanders the property, creating a picturesque natural landscape. During and after rain you will view several stunning wet-weather waterfall cascades over moss covered rocks, offering true tranquil beauty. The property also offers the potential to be subdivided into two buildable sites. Exceptional amenities include underground utilities, 430 foot well and low Jefferson County taxes. Additional features include a well-maintained gravel road with new gravel graded in needed areas, 8x10 storage building, dog kennel and adorable chicken coop. Whether you are looking for a secluded hunting spot, weekend getaway, a permanent country home setting or an investment opportunity, this exceptional property delivers it all!

Getting Around

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

Schools

8/10
Nike Elementary SchoolGrades PK-42.2 mi
7/10
Riverbend SchoolGrades 7-84.3 mi
3/10
Pacific High SchoolGrades 9-125.7 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Permanent
  • Roof: Metal
  • Construction materials: Vertical Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Cottage,Craftsman,Ranch
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Custom Cabinetry,Open Floorplan,Pantry,Recessed Lighting
  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Luxury Vinyl
  • Finished area above ground: 640

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Property

Details

  • Parcel number: 049.032.00000038.01
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Deck
  • Exterior features: Fire Pit,Kennel,Private Yard,Storage
  • Has view: Yes
  • View description: Creek/Stream,Forest,Meadow,Pasture,Trees/Woods
  • Water view: Creek/Stream
  • Waterfront features: Creek,Pond,Stream
  • Horses can be raised: Yes

Lot

  • Lot size: 16.49 Acres
  • Features: Agricultural,Cleared,Front Yard,Gentle Sloping,Meadow,Native Plants,Natural Foliage,Pond on Lot,Private,Secluded,Some Trees,Suitable for Horses,Views,Waterfall,Wooded
  • Lot size dimensions: 669 x 941 x 1526 x 1037

Parking

  • Parking features: Additional Parking,Gravel

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
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
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 $2,604$31,248
Home Insurance *$390$4,680
Property Taxes $343$4,116
Electricity $141$1,693
Total$3,478$41,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,245/yr
40% on housing$104,340/yr
45% on housing$92,746/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$805This listing

vs Other Active Listings

Avg $/sqft

ZIP 63069$240
Jefferson County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 63069$178
Jefferson County$171

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
2026-06-24Listed for sale$515,000
2025-08-29Listing removed$394,000
2025-08-01Pending sale$394,000
2025-07-11Price change$394,000
2025-06-12Listed for sale$495,000
2025-05-30Listing removed$495,000
2025-05-21Listed for sale$495,000

For Sale by Agent

AgentAlicia M Robinson
BrokerageColdwell Banker Realty - Gundaker

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