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409 S Frances St, Saint Francis, KS, 67756

5beds
2baths
2,447sqft
$235,000
$96price/sqft
$2,053/moest. monthly cost
$82,120/yrincome needed

About This Home

Welcome to this beautifully maintained stone ranch-style home, offering the perfect blend of comfort, quality, and space for modern family living. With 5 bedrooms and 2 bathrooms, this home provides ample room for growing families, guests, or flexible work-from-home needs. The recently finished basement significantly expands the living space, featuring a spacious family room, a fifth bedroom, and a dedicated storage room. All three basement bedrooms are equipped with brand-new egress windows, bringing in natural light and added peace of mind. Upstairs and down, you’ll appreciate the home’s solid construction and premium features, including durable plaster walls and efficient radiant floor heating for year-round comfort. Additional upgrades include an instant hot water heater, water softener, and a brand-new roof with impact-resistant shingles. Situated on a large lot, the property boasts a fully fenced backyard shaded by mature trees—perfect for outdoor gatherings, pets, or simply relaxing in your own private oasis. The expansive covered back patio is a standout feature, complete with built-in storage closets and a TV cutout, making it an ideal space for entertaining in any season. Ideally located within walking distance to both schools, the swimming pool, playground, and park, this home offers both convenience and a strong sense of neighborhood—perfect for families looking to enjoy an active and connected lifestyle. This move-in-ready home combines timeless style with thoughtful updates—don’t miss your opportunity to make it yours!

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Carpet,Hardwood

Heating & Cooling

  • Heating features: Radiant,Other
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 2,447 sqft

Property

Details

  • Parcel number: 1682702002008000

Features

  • Exterior features: Stone

Lot

  • Lot size: 0.27 Acres

Parking

  • Parking features: Garage - Attached

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 $1,188$14,256
Home Insurance *$406$4,872
Property Taxes $264$3,168
Electricity $195$2,344
Total$2,053$24,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,388/yr
40% on housing$61,590/yr
45% on housing$54,746/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

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 67756$142
Cheyenne County$679

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
2026-03-31Listed for sale$259,000

For Sale by Owner

AgentGrant Wiegers

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