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5515 NW 451st Rd, Osceola, MO, 64776

4beds
3baths
3,883sqft
$779,000
$201price/sqft
$4,971/moest. monthly cost
$198,840/yrincome needed

About This Home

This premier 15+/- acre estate in Saint Clair County, with multiple homes and outbuildings, is a family's dream come true. A luxurious 3,883 square foot 4 bed, 2.5 bath home is intentionally set on top of a hill overlooking a large pond out front and mature timber with a wet-weather creek behind the house for a stunning 360-degree view. Walking inside, you are greeted with a large family room, a fireplace, and a kitchen fit for a chef. A large 6-burner range is surrounded by custom granite countertops, and the large windows provide natural lighting along with a great view of the pool out back. The master bedroom is designed for a place of refuge and relaxation with large windows, a wood-burning stove, a jacuzzi tub, a walk-in shower, double sinks, and private access to the pool. A large family room on the other side of the kitchen provides a great space for entertaining, with access to the pool out back and an adjoining theatre room to continue the fun after a long day in the pool. Three large bedrooms can be found just down the hall, along with a large bathroom that has an oversize walk in shower with marble tile and countertop throughout. An attached 2-car garage gives access to vehicles regardless of the weather and storage space for the solar batteries powered by the 48-panel solar array outside. A partial walk-out basement provides extra space for storage, hobbies, and protection during storms. Next to the house is a spacious 40’x60’ shop with concrete floors, electricity, a 1/2 bath, and an indoor racquetball court. The second home is a cozy 2 bed, 2 bath manufactured home with an attached garage and is handicap accessible, making it ideal for all guests. The 20’x30’ shop next door provides ample space for lawn equipment, dirtbikes, ATVs, or extra work space for projects. The third house is a cottage-style 1 bed, 1.5 bath, just down the hill, and its location and privacy make it ideal for short-term rental income. An additional 64+/-acres is available.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

8/10
3/10
Appleton City High SchoolGrades 7-1210.9 mi

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Metal
  • Construction materials: Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Refrigerator,Gas Range,Stainless Steel Appliance(s),Trash Compactor
  • Laundry features: In Hall

Basement

  • Has basement: Yes
  • Basement: Unfinished,Partial

Bathroom2

  • Features: Shower Only
  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Pantry,Smart Thermostat,Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,883

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,883
  • Total interior livable area: 3,883 sqft

Master Bathroom

  • Features: Separate Shower And Tub
  • Level: Main

Master Bedroom

  • Level: Main

Media Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Full Bath

Details

  • Parcel number: 047.035000000007.00

Features

  • Patio & porch: Porch
  • Fencing: Other
  • Waterfront features: Pond

Lot

  • Lot size: 15 Acres
  • Features: Acreage

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 WaveRelatively High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
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 $3,939$47,268
Home Insurance *$405$4,860
Property Taxes $331$3,972
Electricity $296$3,558
Total$4,971$59,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,434/yr
40% on housing$149,130/yr
45% on housing$132,560/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 64776$902
St. Clair County$496

vs Homes Sold Last Month

Median $/sqft

ZIP 64776
St. Clair County$263

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
2026-07-28Price change$779,000
2026-06-23Price change$1,200,000
2026-04-24Listed for sale$1,399,000
2026-02-16Listing removed$1,699,900
2025-08-15Listed for sale$1,699,900

For Sale by Agent

AgentAndy Unruh
BrokerageMidwest Land Group

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