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112 E Spencer St, Saint Francis, KS, 67756

3beds
2baths
2,264sqft
$140,000
$62price/sqft
$1,286/moest. monthly cost
$51,440/yrincome needed

About This Home

This charming 2 story home was originally the carriage house for the home at 110 E Spencer. This property is currently used as an Air BNB but can be a family home also. It was remodeled into a family home in the mid thirties and a complete remodel in 2023. Located 2 blocks from Main St, Elementary school and the new swimming pool. Can be purchased furnished or unfurnished.This quaint property was remodeled into a family home in the mid thirties and then a complete remodel in 2023. Featuring a cozy living area with a wood burning fireplace and a sunny bump out bay window, dining room with original built in hutch and another bump out bay window, large welcoming kitchen and a 1/2 bath. Laundry on main floor with new washer and dryer. 3 nice sized inviting bedrooms on the second level , 2 with personal sink areas and a full bath. The 3 bedrooms each have a personal ac unit also included. Large storage area with outside door. Forced heat and air. New A/C unit in n 2023. New roof and front windows in 2024. New front and back doors with keyless entry. Nice courtyard and patio area. Handicap ramp to front door. Features off street parking. Located 2 blocks from Main St, Elementary school and the new swimming pool. Can be purchased furnished or unfurnished. St Francis is a small community with friendly neighbors and a great healthcare system.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
7/10
St Francis High SchoolGrades 6-120.3 mi

Construction

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Finished area above ground: 2,264

Interior Area

  • Total structure area: 2,264
  • Total interior livable area: 2,264 sqft

Property

Details

  • Parcel number: 1652203038008000
  • Lease amount: 0

Features

  • Frontage length: 0

Lot

  • Lot size: 2,178 sqft

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
    Cold WaveVery High
  • Hail
    HailVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kansas Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
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 $707$8,484
Home Insurance *$242$2,904
Property Taxes $157$1,884
Electricity $180$2,169
Total$1,286$15,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,091/yr
40% on housing$38,580/yr
45% on housing$34,293/yr

Kansas FAIR Plan Programs

Kansas All-Industry Placement Facility

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 11,507Commercial: 209
Total Premiums$9.41M
Total Exposure$949,000

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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: -5.1%
-5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$62This listing

vs Other Active Listings

Avg $/sqft

ZIP 67756$147
Cheyenne County$683

vs Homes Sold Last Month

Median $/sqft

ZIP 67756
Cheyenne County$67

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
2026-04-01Listed for sale$140,000
2025-12-17Contingent$140,000
2025-11-05Listed for sale$140,000

For Sale by Agent

AgentDebbie Reed
BrokerageHayden Outdoors Real Estate

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