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3955 Woodson Point Rd, Stover, MO, 65078

2beds
1baths
960sqft
$139,999
$146price/sqft
$989/moest. monthly cost
$39,560/yrincome needed

About This Home

Wake up each day to breathtaking panoramic lake views from this bluff-top property offering one of the most dramatic vantage points on the water. The existing home is a fixer or a possible tear-down, giving you the rare chance to design and build exactly what you want in a setting that’s impossible to replicate. Perfectly perched above the shoreline, the lot delivers elevated, unobstructed vistas and year-round scenery, from peaceful sunrises to stunning sunsets. Whether you envision a modern full-time residence or a custom vacation retreat, this property provides the ideal canvas. Create your dream home and enjoy some of the most spectacular views on the lake.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
4/10
Morgan Co. R-I High SchoolGrades 6-1216.6 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1996

Materials

  • Foundation: Slab
  • Roof: Shingle,Wood
  • Construction materials: Cedar

Type & Style

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

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Attic
  • Fireplace features: None

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Property

Details

  • Parcel number: 188027000000002001
  • Zoning description: Residential
  • Exclusions: Personal Items

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Exterior features: Dirt Driveway,Deck
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 6,380 sqft
  • Features: Bluff,Lake Front
  • Lot size dimensions: 58 x 110

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $707$8,484
Home Insurance *$86$1,032
Property Taxes $55$660
Electricity $141$1,693
Total$989$11,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,908/yr
40% on housing$29,670/yr
45% on housing$26,373/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -4.7%
-4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 65078$93
Morgan County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 65078
Morgan County$231

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
2026-03-27Listed for sale$149,900
2026-02-15Listing removed$149,900
2025-11-03Listed for sale$149,900

For Sale by Agent

AgentPhyllis Murray
BrokerageRE/MAX at the Lake

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