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109 N Mill St, Jamestown, MO, 65046

2beds
2baths
950sqft
$135,000
$142price/sqft
$908/moest. monthly cost
$36,320/yrincome needed

About This Home

Beautifully updated bungalow offering a fresh, modern interior with thoughtful finishes throughout. This home features a bright and inviting living space, updated flooring, and a functional layout designed for comfortable everyday living. The kitchen provides ample cabinet storage, generous counter space, and an efficient design perfect for cooking and entertaining. Exterior features low-maintenance vinyl siding, metal roof, and a charming covered front entry. Convenient in-town location close to local amenities, shops, and services. Move-in ready and ideal for buyers seeking a refreshed home with minimal upkeep.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
6/10
Jamestown C-I High SchoolGrades 6-120.3 mi

Construction

Other

  • Builder name: John Baepler

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedroom1

  • Level: Main
  • Area: 32400
  • Dimensions: 180 x 180

Bedroom2

  • Level: Main
  • Area: 15576
  • Dimensions: 132 x 118

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0

Full Bathroom

  • Level: Main
  • Area: 4189
  • Dimensions: 59 x 71

Full Bathroom

  • Level: Main
  • Area: 6840
  • Dimensions: 114 x 60

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 950
  • Total interior livable area: 950 sqft

Kitchen

  • Level: Main
  • Area: 21090
  • Dimensions: 114 x 185

Living Room

  • Level: Main
  • Area: 33300
  • Dimensions: 185 x 180

Utility Room

  • Level: Main
  • Area: 15041
  • Dimensions: 89 x 169

Property

Details

  • Parcel number: To be assigned by assessor

Lot

  • Lot size: 7,840 sqft
  • Lot size dimensions: Irregular lot; appro x . 60’ frontage x 120’ depth

Parking

  • Parking features: No Garage

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

  • Ice Storm
    Ice StormVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $682$8,184
Home Insurance *$17$204
Property Taxes $68$816
Electricity $141$1,693
Total$908$10,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,131/yr
40% on housing$27,240/yr
45% on housing$24,213/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 65046$260
Moniteau County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 65046$708
Moniteau County$150

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)

No zestimate history available

Price History

DateEventPrice
2026-07-06Listed for sale$135,000

For Sale by Agent

AgentShane Norton
BrokerageIron Gate Real Estate

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