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109 Johnson Cir, Dearborn, MO, 64439

4beds
3baths
2,181sqft
$469,000
$215price/sqft
$3,319/moest. monthly cost
$132,760/yrincome needed

About This Home

Located in a beautiful new subdivision with a stocked lake for fishing and in the North Platte School District, this brand new home offers peaceful surroundings while still being close to town. Simulated photos for now – more photos coming soon. This home features an oversized 3-car garage, 4 bedrooms, and 3 full bathrooms. The kitchen includes a large island and custom painted cabinets, providing great space for cooking and gathering. The great room offers engineered hardwood floors and a cozy gas fireplace, creating a warm and inviting living area. Flooring throughout the home includes tile in the bathroom floors and carpet in the bedrooms. The lower level walkout leads to a 10 x 16 patio, perfect for relaxing or entertaining. Additional features include a 96% high-efficiency furnace and a cul-de-sac lot that backs up to a peaceful tree line and farm field for added privacy and great views.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
9/10
North Platte High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Stone & Frame

Other

  • Builder name: Homes by Patty Farr

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement BR,Finished,Full,Garage Entrance

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Custom Cabinets,Kitchen Island,Pantry,Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: Carpet,Luxury Vinyl,Tile
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 658
  • Finished area above ground: 1,523

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,181
  • Total interior livable area: 2,181 sqft

Property

Details

  • Parcel number: 999999

Lot

  • Lot size: 0.40 Acres
  • Features: City Limits

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Garage Faces Front
  • 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 WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Tornado
Winter Weather
Drought
Inland Flooding
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 $2,371$28,452
Home Insurance *$493$5,916
Property Taxes $289$3,468
Electricity $166$1,998
Total$3,319$39,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,794/yr
40% on housing$99,570/yr
45% on housing$88,506/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 64439$296
Buchanan County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 64439$156
Buchanan County$119

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
2026-03-06Listed for sale$469,000

New Construction

AgentPatty Farr
BrokerageRE/MAX House of Dreams

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