528 N 8th St, Saint Joseph, MO, 64501
About This Home
Welcome to this spacious 6 bedroom, 2.5 bath home located on the charming brick streets of downtown St. Joseph. Offering flexibility, character, and numerous updates, this property is ideal for large households, multigenerational living, or investment use. The main level includes 3 bedrooms and 1 full bath, along with comfortable living and dining areas. The second level features 3 additional bedrooms, a half bath, and a convenient kitchenette, perfect for guests or extended stay living. Recent updates provide peace of mind: Roof replaced 2022 & 2023 Floor deck and carpet added 2017 First floor A/C unit installed 2017 Second floor decking and flooring replaced 2018
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Roof: Composition
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Dryer,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Cellar,Concrete,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Flooring: Carpet,Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Great Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,422
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Electric
Interior Area
- Total structure area: 3,422
- Total interior livable area: 3,422 sqft
Property
Details
- Parcel number: 063.008001004179.000
- Special condition: As Is
Features
- Patio & porch: Porch
Lot
- Lot size: 8,712 sqft
- Features: Level
Parking
- Parking features: Other
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
- Hail
- Strong Wind
- Tornado
- Heat Wave
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,263 | $15,156 |
| Home Insurance * | $335 | $4,020 |
| Property Taxes | $154 | $1,848 |
| Electricity | $261 | $3,135 |
| Total | $2,013 | $24,156 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-27 | Listed for sale | $269,900 |
View on Zillow