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403 E McDowell St, Sturgeon, MO, 65284

4beds
2baths
2,291sqft
$289,000
$126price/sqft
$2,050/moest. monthly cost
$82,000/yrincome needed

About This Home

WELCOME HOME to this beautifully maintained, spacious home. With almost 2300 sq ft this ranch style home offers exceptional space and versatility. Features include 4 Bedrooms (2 are non-conforming), these work great for a nursery or out-of-town guest or add a armoire and use for a bedroom on a daily basis, Kitchen/Dining Room combo, 2 Bathrooms, Office Space and Utility Room. A Perfect Blend of functionality, and space for everyday living and entertaining for today's buyer. A storage shed and fenced sideyard create a outdoor space for children and/or pets to play. Newer HVAC system, concrete pad for several off-street parking spaces and unique features make this a must see home.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
7/10
Sturgeon Middle SchoolGrades 6-81.0 mi
5/10
Sturgeon High SchoolGrades 9-121.0 mi

Construction

Materials

  • Foundation: Concrete Perimeter,Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Disposal,Dishwasher
  • Laundry features: Washer/Dryer Hookup

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Main

Dining Room

  • Level: Main

Features

  • High Speed Internet,Kit/Din Combo,Laminate Counters,Wood Cabinets
  • Flooring: Carpet
  • Finished area below ground: 0

Full Bathroom

  • Level: Main

Full Bathroom

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,291
  • Total interior livable area: 2,291 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 311200011670001
  • Zoning description: R-S Single Family Residential

Features

  • Patio & porch: Covered,Concrete,Rear Porch,Front Porch
  • Fencing: Partial,Vinyl

Lot

  • Lot size: 0.33 Acres
  • Features: Level
  • Lot size dimensions: 120' x 120'

Parking

  • Parking features: No Garage
  • Has garage: 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 WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $1,461$17,532
Home Insurance *$218$2,616
Property Taxes $197$2,364
Electricity $174$2,099
Total$2,050$24,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,285/yr
40% on housing$61,500/yr
45% on housing$54,666/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 65284$254
Boone County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 65284$198
Boone County$175

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
2026-07-27Listed for sale$289,000

For Sale by Agent

AgentCarolyn Wilhite
BrokerageCentury 21 Community

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