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11755 Ridgeway Dr, Saint Joseph, MO, 64505

2beds
1baths
1,000sqft
$194,900
$195price/sqft
$1,439/moest. monthly cost
$57,560/yrincome needed

About This Home

Charming 2-Bedroom Townhome with Spacious Driveway & Unfinished Basement – Tons of Potential! Offering comfort, convenience, and room to grow. Perfectly suited for first-time buyers, downsizers, or investors, this home features a functional layout and thoughtful extras. Enjoy the convenience of an attached 1-car garage, plus a rare 4-car capacity driveway—ideal for guests, hobbies, or additional vehicle storage. Inside, the living space is bright and inviting, with well-sized bedrooms and full bath all on one level. The unfinished basement provides endless possibilities—create an additional bedroom, home office, gym, or entertainment area tailored to your needs. Located in a friendly neighborhood with easy access to shopping, dining, and commuter routes, this home is a smart choice with room to grow!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
6/10
Savannah Middle SchoolGrades 6-84.1 mi
7/10
Savannah High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Composition
  • Construction materials: Concrete,Frame,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator
  • Laundry features: In Kitchen

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Concrete,Unfinished,Walk-Out Access

Bathroom1

  • Features: Shower Over Tub
  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Window features: Thermal Windows
  • Flooring: Carpet,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 172.10300002.360000

Features

  • Patio & porch: Deck,Porch

Lot

  • Lot size: 4,747 sqft
  • Lot size dimensions: 32' x 150'

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Drought
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 $985$11,820
Home Insurance *$201$2,412
Property Taxes $112$1,344
Electricity $141$1,693
Total$1,439$17,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,337/yr
40% on housing$43,170/yr
45% on housing$38,373/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 64505$130
Andrew County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 64505$121
Andrew County$110

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
2026-04-25Listed for sale$194,900

For Sale by Agent

AgentSharry PEDERSON
BrokerageREECENICHOLS-IDE CAPITAL

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