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22681 State Highway 13 Hwy, Gallatin, MO, 64640

8beds
5baths
4,720sqft
$2,800,000
$593price/sqft
$17,658/moest. monthly cost
$706,320/yrincome needed

About This Home

A Country Dream on 68+/- Acres in Northwest Missouri! Looking for the perfect mix of wide-open spaces, modern comfort, and a dash of adventure? This stunning estate is just 1¼ hours northeast of Kansas City—and it’s a showstopper! Perfectly tucked between Gallatin, Jameson, and the historic Adam-ondi-Ahman site, it’s where beauty meets functionality and peace meets play. At the heart is a spacious 4,720 sq ft home that checks every box. The main floor boasts three private bedroom suites (yes—each has its own bath!), including an oversized primary retreat. The open-concept living, kitchen, and dining area is designed for gathering and memory-making. Upstairs is a 1,440 sq ft apartment—complete with kitchen, laundry, master suite, a 10-bed bunk room (sleepovers, anyone?), plus a huge storage room. Even the 1,647 sq ft heated three-car garage is ready for cars, toys, tools, or hobbies. In-floor heating zoned for the house and garage, a propane furnace, on-demand water heaters, and an Amish cookstove ensure warmth and efficiency year-round. Outside, a 70'x80' outbuilding includes a 588 sq ft energy-efficient studio apartment with Murphy bed, full bath, and kitchen with pantry. The same building offers two more bedrooms, another full bath, laundry, a spacious loft, a workshop, and an impressive multipurpose room, a PICKLEBALL court (yes, really!)—plus space for animals or equipment. A second 40'x50' barn is fully insulated with concrete floors for all your projects and passions. For outdoor lovers, there’s a 3-acre stocked pond, nearby Grand River, 46 acres of tillable ground providing crop income (currently soybeans, hay/alfalfa), and abundant wildlife—deer, turkey, quail, and more. Whether farming, fishing, riding horses, or simply soaking in sunsets, this property delivers. This isn’t just real estate—it’s a lifestyle. A peaceful retreat in the heartland where you can work, play, and truly live.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
Gallatin Middle SchoolGrades 5-83.5 mi
10/10
Gallatin High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Metal
  • Construction materials: Frame,Metal Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Double Oven,Microwave,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: Slab

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 5
  • Full bathrooms: 5

Features

  • Ceiling Fan(s),Custom Cabinets,Kitchen Island,Pantry,In-Law Floorplan,Stained Cabinets,Walk-In Closet(s)
  • Fireplace features: Great Room
  • Finished area below ground: 0
  • Finished area above ground: 4,720

Heating & Cooling

  • Heating features: Forced Air,Radiant
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,720
  • Total interior livable area: 4,720 sqft

Master Bedroom

  • Level: Main

Other

  • Level: Main

Other

  • Level: Second

Property

Details

  • Parcel number: 152.00404.02

Features

  • Patio & porch: Patio
  • Exterior features: Dormer

Lot

  • Lot size: 68 Acres
  • Features: Acreage

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $14,158$169,896
Home Insurance *$1,997$23,964
Property Taxes $1,143$13,716
Electricity $360$4,325
Total$17,658$211,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$605,417/yr
40% on housing$529,740/yr
45% on housing$470,880/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$593This listing

vs Other Active Listings

Avg $/sqft

ZIP 64640$237
Daviess County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 64640
Daviess County$168

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
2025-10-01Listed for sale$2,800,000

For Sale by Agent

AgentAnita Riley
BrokerageRE/MAX Town and Country

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