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21587 State Route 43, Seneca, MO, 64865

3beds
2baths
1,700sqft
$320,000
$188price/sqft
$2,321/moest. monthly cost
$92,840/yrincome needed

About This Home

Country living at its best! This 3-bedroom, 2-bath home offers approximately 1,700 sq ft on nearly 6 level acres just outside Seneca. Inside you'll find polished concrete floors, an open floor plan, a spacious kitchen with pantry, and a beautiful primary bath featuring an oversized walk-in tiled shower and dual vanities. Outside, enjoy a front porch, side porch, private driveway, garden beds, a well house, and barbed wire cross-fenced pasture that's ready for livestock. A massive 40' x 30' workshop provides exceptional space for equipment, hobbies, or storage. A versatile property with endless possibilities! Disclaimer: All measurements, including but not limited to lot size, acreage, square footage, room dimensions, and property boundaries, are believed to be accurate but are approximate and are not guaranteed. Buyers and their agents are encouraged to independently verify all measurements, dimensions, boundaries, and any other information they deem important prior to closing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
3/10
3/10
Seneca High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Slab
  • Construction materials: Wood

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Eat-in Kitchen,Pantry
  • Flooring: Concrete
  • Fireplace features: Pellet Stove
  • Finished area below ground: 0
  • Finished area above ground: 1,700

Heating & Cooling

  • Heating features: Pellet Stove
  • Cooling features: Attic Fan,Heat Pump

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Property

Features

  • Fencing: Barbed Wire
  • Topography of land: Level
  • Horses can be raised: Yes

Lot

  • Lot size: 5.70 Acres
  • Features: Gated,Pasture
  • Lot size dimensions: 5.7 acres

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached,Open
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
Tornado

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 $1,618$19,416
Home Insurance *$397$4,764
Property Taxes $165$1,980
Electricity $141$1,693
Total$2,321$27,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,577/yr
40% on housing$69,630/yr
45% on housing$61,893/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 64865$129
Newton County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 64865$126
Newton County$133

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
2026-07-17Price change$320,000
2026-07-01Listed for sale$325,000

For Sale by Agent

AgentMacfee Team, Lindsey Macfee
BrokerageRealty One Group Ovation

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