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24120 State Highway 107, Stoutsville, MO, 65283

2beds
1baths
960sqft
$209,900
$219price/sqft
$1,854/moest. monthly cost
$74,160/yrincome needed

About This Home

Escape to the lake and enjoy the peace of your own 3.57 acres right off the blacktop! This charming 2 bedroom, 1 bath cabin is move-in ready and full of rustic character, featuring hand-sawed cedar ceilings, an oak accent wall, a cozy porch, and beautiful handmade walnut cabinets. The low-maintenance metal siding makes upkeep simple so you can spend more time relaxing. The property is already set up with water, electric, a leased propane tank, and lagoon, making it ready for weekend getaways or full-time living. With plenty of room to expand, there's exciting potential to add camper sites, additional cabins, or create the lake retreat you've been dreaming about. Located just minutes from the boat ramp and the historic town of Florida, where you'll find a winery, beach, and lake access,

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
5/10
10/10

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete Perimeter,Slab
  • Roof: ArchitecturalShingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Microwave

Bedrooms & Bathrooms

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

Features

  • Kit/Din Combo,Kitchen/Family Combo,Cabinets-Custom Blt,Tile Counters
  • Flooring: Tile,Vinyl
  • Finished area below ground: 0

Full Bathroom

  • Level: Main

Heating & Cooling

  • Heating features: Electric,Propane
  • Cooling features: Window Unit(s)

Interior Area

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

Property

Details

  • Parcel number: 104.017000000003.120
  • Zoning description: R-1 One- Family Dwelling*

Features

  • Patio & porch: Covered

Lot

  • Lot size: 3.57 Acres
  • Features: Cleared
  • Lot size dimensions: Irregular

Parking

  • Parking features: No Garage
  • Has garage: Yes

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 WaveVery High
  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,061$12,732
Home Insurance *$523$6,276
Property Taxes $129$1,548
Electricity $141$1,693
Total$1,854$22,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,565/yr
40% on housing$55,620/yr
45% on housing$49,440/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.5%
6.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 65283$151
Monroe County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 65283
Monroe County$66

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
2026-03-05Listed for sale$200,000

For Sale by Agent

AgentCindy Lynn-Drainer
BrokerageAt Home Realty, LLC

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