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21260 135th Hwy, Stover, MO, 65078

3beds
1baths
1,200sqft
$235,000
$196price/sqft
$1,569/moest. monthly cost
$62,760/yrincome needed

About This Home

Take a look at this raised ranch home situated on 3.3 +/- acres that are level and decorated with a few beautiful pine trees! The home is 3 bedrooms and 1 full bathroom, making it a nice starter home or investment opportunity. The unfinished walkout basement provides ample room for storage or constructing more living space, media room or exercise area! Relax and enjoy watching the wildlife frequenting the property for either the front or the back covered decks! It has a private well and has NO restrictions, NO zoning, NO HOA and NO building codes to hassle you! Secluded from the paved secondary highway by the pine trees, this property has easy, level access directly off the highway. Plenty of open, grassy field for animals, playground or games! High speed fiber optic internet provides opportunities for a home based business or just for gaming or streaming fun! Although the home needs some finishing touches and some repairs, this could be just what you are looking for! Check it out before it's gone!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Raised

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area above ground: 1,200

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 107026000000001001

Lot

  • Lot size: 3.30 Acres

Parking

  • Total spaces: 1
  • Parking features: Basement
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $1,188$14,256
Home Insurance *$146$1,752
Property Taxes $94$1,128
Electricity $141$1,693
Total$1,569$18,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,794/yr
40% on housing$47,070/yr
45% on housing$41,840/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 65078$90
Morgan County$189

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)

Price History

DateEventPrice
2026-04-10Price change$240,000
2026-03-02Listed for sale$250,000

For Sale by Agent

AgentDIANNE R CONNER
BrokerageCONNER REALTY LLC

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