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305 Pine St, Steelville, MO, 65565

--beds
0baths
1,260sqft
$80,000
$63price/sqft
$671/moest. monthly cost
$26,840/yrincome needed

About This Home

305 Pine Street in historic Steelville, Crawford County, Missouri. This conveniently situated downtown property offers an opportunity for business owners, investors, or buyer-owners seeking affordable square footage with visibility and community access. Listed at $80,000, this 1,260 sq ft structure sits on a 5,227 sq ft lot, providing an accessible footprint for a variety of uses. The building was constructed in 1970 and presents a solid foundation in a walkable Steelville location just minutes from local shops, services, and area attractions. MASSIVE PRICE REDUCTION Property Highlights - 1,260 A± sq ft building footprint- 0.12 A± acre lot (5,227 sq ft)- Downtown Steelville location with street frontage- Flexible commercial/residential potential- Convenient proximity to local amenities and community services

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
4/10
Steelville Middle SchoolGrades 5-80.6 mi
5/10
Steelville High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Other

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Interior Area

  • Total structure area: 1,260
  • Total interior livable area: 1,260 sqft

Property

Lot

  • Lot size: 5,227 sqft

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 WaveVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

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 $404$4,848
Home Insurance *$92$1,104
Property Taxes $34$408
Electricity $141$1,693
Total$671$8,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$23,005/yr
40% on housing$20,130/yr
45% on housing$17,893/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -6.7%
-6.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$63This listing

vs Other Active Listings

Avg $/sqft

ZIP 65565$165
Crawford County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 65565
Crawford County$148

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)

No zestimate history available

Price History

DateEventPrice
2026-03-21Price change$80,000
2025-12-29Price change$95,000
2025-09-11Listed for sale$100,000

For Sale by Agent

AgentKelly Johnston
BrokerageWhitaker Marketing Group - Auctions & Real Estate

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