20449 SE Us Highway 169, Saint Joseph, MO, 64503
About This Home
Welcome to your private retreat just North of St. Joseph! Nestled on 13 secluded acres off Highway 169, this well built 3 bedroom, 2.5 bath home offers the perfect combination of space, efficiency, and breathtaking views. With over 3,168 square feet of living space, and brand new roof, this home was constructed with quality in mind. Featuring 2x6 exterior wall construction and additional insulation for year round comfort and energy efficiency. The inviting living room showcases a wood-burning fireplace complete with a blower and thermostat control, providing an economical and cozy heating source during the colder months. The spacious layout includes a fully finished walkout basement featuring a kitchenette, bedroom, full bathroom, ample storage space, and access to a charming brick patio—ideal for guests, multi generational living, or entertaining. Step outside onto the large deck overlooking the beautiful pond and enjoy stunning sunrise views each morning. The pond is complemented by a cabin that provides the perfect space for entertaining guests, relaxing by the water, or storing fishing and recreational equipment. For hobbyists, business owners, or anyone needing exceptional workspace, the property features an impressive 40' x 50' insulated and heated shop complete with water, electricity, and radiant gas heat. In addition, the home offers a 2-car attached garage for everyday convenience. Whether you're looking for peaceful country living, room to roam, or the ultimate setup for work and recreation, this remarkable property delivers it all while remaining just minutes from St. Joseph.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Roof: Composition
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level,Off The Kitchen
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bathroom1
- Level: Main
Bathroom2
- Level: Basement
Bedroom2
- Level: Main
Bedroom3
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace features: Family Room
- Fireplace: Yes
- Finished area below ground: 1,584
- Finished area above ground: 1,584
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Electric,Wood Stove
- Cooling features: Electric
Interior Area
- Total structure area: 3,168
- Total interior livable area: 3,168 sqft
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 176.02300022.020000
Features
- Patio & porch: Deck,Patio
- Fencing: Partial
- Waterfront features: Pond
Lot
- Lot size: 13 Acres
- Features: Acreage
Parking
- Total spaces: 2
- Parking features: Attached,Garage Faces Front
- 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
- Tornado
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Drought
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,932 | $35,184 |
| Home Insurance * | $649 | $7,788 |
| Property Taxes | $333 | $3,996 |
| Electricity | $241 | $2,903 |
| Total | $4,155 | $49,860 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-15 | Listed for sale | $579,900 |
| 2025-11-10 | Sold | -- |
| 2025-10-17 | Pending sale | $550,000 |
| 2025-09-12 | Contingent | $550,000 |
| 2025-09-05 | Price change | $550,000 |
| 2025-06-21 | Price change | $595,000 |
| 2025-06-11 | Pending sale | $635,000 |
| 2025-05-21 | Price change | $635,000 |
| 2025-04-01 | Listed for sale | $650,000 |
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