3261 Five Oaks Dr, Arnold, MO, 63010
About This Home
**Seller Financing Available!** No Bank Qualifying! Welcome home to this charming 3-bedroom, 2 full-bath split-level nestled in the heart of Arnold. With a functional and flexible floor plan, this home offers two bedrooms and a full bath on the main level, plus an additional bedroom and full bath on the lower level — perfect for guests, a home office, private retreat. As you enter the home you are welcomed up to the main living area with a tile and stone fireplace, and real hardwood floors. The main living area flows seamlessly into the kitchen and dining space, showcasing granite countertops, and new lighting — including remote-controlled ceiling fans — that give the home a fresh, modern feel. The bathrooms feature custom cabinetry, adding a touch of elevated style. A newer roof means the big-ticket items are already handled. Step outside to the back deck overlooking a truly special yard. The fenced-in backyard is anchored by an adorable brick smoker, which could also work as a chicken coop, shed, or other creative ideas. It's perfect for summer BBQs and outdoor entertaining. Surrounding it, you'll find various fruit trees that create your very own little orchard — a rare and charming bonus. Additional highlights include a spacious 2-car garage and ample storage throughout. Conveniently located near shopping, dining, parks, and major highways, this property is a fantastic option for first-time buyers, investors, or anyone looking for value, space, and a home that's truly move-in ready.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1994
Materials
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Split Level
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Stainless Steel Appliance(s)
- Laundry features: Electric Dryer Hookup,Laundry Room,Lower Level
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 988
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 988
- Total interior livable area: 988 sqft
Property
Details
- Parcel number: 081.001.02001021.26
- Special condition: Standard
Features
- Levels: One and One Half
- Patio & porch: Deck
- Exterior features: Built-in Barbecue,Entry Steps/Stairs,Garden,Private Entrance,Private Yard
Lot
- Lot size: 6,098 sqft
- Features: Back Yard
Parking
- Total spaces: 2
- Parking features: Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Strong Wind
- Cold Wave
- Lightning
- Tornado
- 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 | $1,395 | $16,740 |
| Home Insurance * | $193 | $2,316 |
| Property Taxes | $183 | $2,196 |
| Electricity | $141 | $1,693 |
| Total | $1,912 | $22,944 |
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 |
|---|---|---|
| 2026-07-24 | Price change | $275,900 |
| 2026-07-10 | Price change | $279,900 |
| 2026-06-25 | Listed for sale | $289,000 |
| 2026-06-08 | Pending sale | $289,000 |
| 2026-05-31 | Listed for sale | $289,000 |
| 2026-03-31 | Sold | -- |
| 2026-02-09 | Pending sale | $175,000 |
| 2026-02-09 | Listed for sale | $175,000 |
| 2026-01-07 | Listing removed | $200,000 |
| 2025-12-17 | Pending sale | $200,000 |
| 2025-12-15 | Listed for sale | $200,000 |
| 2016-07-06 | Sold | -- |
| 2016-06-15 | Pending sale | $159,900 |
| 2016-06-15 | Listed for sale | $159,900 |
| 2016-05-16 | Listing removed | $159,900 |
| 2016-04-07 | Listed for sale | $159,900 |
| 2015-02-02 | Listing removed | $149,500 |
| 2015-01-21 | Price change | $149,500 |
| 2015-01-11 | Price change | $150,000 |
| 2014-12-29 | Price change | $155,000 |
| 2014-12-17 | Price change | $157,900 |
| 2014-12-06 | Price change | $158,900 |
| 2014-11-21 | Listed for sale | $159,900 |
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