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430 Lake Viking Ter, Gallatin, MO, 64640

3beds
4baths
3,000sqft
$1,199,000
$400price/sqft
$7,635/moest. monthly cost
$305,400/yrincome needed

About This Home

Brand-new luxury lakefront retreat located on Lot 163 with approximately 96 feet of shoreline, perfectly positioned in one of Lake Viking’s most highly sought-after coves. This stunning home offers 3 bedrooms, a spacious bunk room, and 3.5 baths, thoughtfully designed to capture the beauty of lake living while showcasing high-end finishes, exceptional craftsmanship, and effortless functionality. The expansive great room features a dramatic 25-foot floor-to-ceiling stone accent wall, creating a striking architectural centerpiece. The designer kitchen is both elegant and functional, featuring quartz countertops, stainless steel appliances, oversized island perfect for gathering, and a walk-in pantry. The main-level primary suite offers a private lakeside retreat with a large closet and a spa-inspired bathroom that delivers with a tiled wet room. Upstairs, you’ll find a large bedroom, a full bathroom, and an impressive built-in 6-person bunk room. The lower level expands the home’s entertaining possibilities with a spacious family room that opens to the covered deck, a bar and wine rack, an additional bedroom and full bath, and a large unfinished storage/flex space. The property also features a one-car garage, covered dock with lift, and a lakeside fire pit area where nights are spent around the fire sharing stories and creating lifelong memories. With its premium cove location, 96 feet of shoreline, luxury finishes, and thoughtfully designed living spaces, this home offers the perfect setting to fully embrace the Lake Viking lifestyle. This brand-new home includes a 12-month builder warranty from the contractor, providing peace of mind as you begin your next chapter at the lake. This is more than a home—it’s a place to wake up to water views, gather with friends on the deck, and experience lake life the way it was meant to be lived.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
Gallatin Middle SchoolGrades 5-84.9 mi
10/10
Gallatin High SchoolGrades 9-124.8 mi

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Board & Batten Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement BR,Concrete,Finished,Full,Walk-Out Access

Bedroom2

  • Features: Luxury Vinyl
  • Level: Second
  • Area: 195

Bedroom3

  • Features: Luxury Vinyl
  • Level: Basement
  • Area: 144

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Luxury Vinyl
  • Level: Second
  • Area: 255

Family Room

  • Features: Luxury Vinyl
  • Level: Basement
  • Area: 399

Features

  • Flooring: Luxury Vinyl,Tile
  • Number of fireplaces: 1
  • Fireplace features: Electric,Family Room
  • Fireplace: Yes
  • Finished area below ground: 900
  • Finished area above ground: 2,100

Great Room

  • Features: Luxury Vinyl
  • Level: Main
  • Area: 400

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Kitchen

  • Features: Luxury Vinyl
  • Level: Main
  • Area: 220

Master Bedroom

  • Features: Luxury Vinyl
  • Level: Main
  • Area: 238

Other

  • Features: Other
  • Level: Basement
  • Area: 540

Property

Details

  • Parcel number: 145.11630317

Features

  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage Faces Front
  • 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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $6,062$72,744
Home Insurance *$855$10,260
Property Taxes $489$5,868
Electricity $229$2,749
Total$7,635$91,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$261,771/yr
40% on housing$229,050/yr
45% on housing$203,600/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$400This listing

vs Other Active Listings

Avg $/sqft

ZIP 64640$255
Daviess County$224

vs Homes Sold Last Month

Median $/sqft

ZIP 64640
Daviess County$168

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
2026-03-14Listed for sale$1,199,000

For Sale by Agent

AgentDavid Hibler
BrokerageGASLIGHT REAL ESTATE

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