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12840 Highway 17, Roby, MO, 65557

1beds
2baths
2,816sqft
$190,000
$67price/sqft
$1,396/moest. monthly cost
$55,840/yrincome needed

About This Home

Designed with an open layout, the structure provides a level of flexibility for buyers with vision. Whether you’re transforming it into a comfortable residential home, developing a multi-unit apartment complex, or utilizing the space for a commercial purpose, the possibilities are wide open. The generous square footage and flexible floor plan make it easy to customize to your needs.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
Plato Elementary SchoolGrades PK-54.6 mi
5/10
Plato High SchoolGrades 6-124.6 mi

Construction

Condition

  • Year built: 1960

Materials

  • Roof: Metal
  • Construction materials: Block,Brick,Concrete

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Flooring: Concrete
  • Finished area above ground: 2,816

Heating & Cooling

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

Interior Area

  • Total structure area: 2,816
  • Total interior livable area: 2,816 sqft

Property

Details

  • Parcel number: 04083400000000801
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 1.32 Acres
  • Features: Open Lot

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
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Other
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 $960$11,520
Home Insurance *$152$1,824
Property Taxes $69$828
Electricity $215$2,580
Total$1,396$16,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,862/yr
40% on housing$41,880/yr
45% on housing$37,226/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$67This listing

vs Other Active Listings

Avg $/sqft

ZIP 65557
Texas County$591

vs Homes Sold Last Month

Median $/sqft

ZIP 65557
Texas County$116

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
2026-03-23Price change$207,000
2026-01-12Listed for sale$212,000

For Sale by Agent

AgentBJ Fletcher
BrokerageKeller Williams Tri-Lakes

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