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111 Merchant St, Hartford, KS, 66854

2beds
2baths
1,880sqft
$199,950
$106price/sqft
$4,023/moest. monthly cost
$160,920/yrincome needed

About This Home

Nestled on a generous corner lot in the peaceful town of Hartford, this spacious 2 bedroom, 2 bath home offers the perfect blend of comfort, sustainability, and thoughtful design. With 1,880 square feet of well-maintained living space, it’s ideal as a first home - or a forever one. Inside, you'll find a warm and flexible layout that includes a cozy library or office, a bright sunroom for morning coffee or evening relaxation, and a master suite featuring a double vanity, walk-in closet, and custom-tiled shower. The living room and office showcase high ceilings and an open feel, while the thoughtfully updated kitchen features solid wood cabinetry, an ergonomic layout, and plenty of space for cooking, entertaining, or everyday meals. French doors and large windows flood the area with natural light, creating a bright and airy ambiance throughout. Step outside to your private retreat. Multi-level, lighted decks set the stage for relaxed evenings, weekend barbecues, or stargazing under the Kansas sky. Mature trees provide shade and beauty across the property, and the expansive garden space, nourished by a strong well and rich soil, invites you to grow vegetables, flowers, or simply enjoy the peaceful connection to nature. Additional features include a fully insulated detached garage and an enclosed RV barn - ideal for storage, hobbies, or self-sufficient living. Perhaps best of all, the backyard opens up to the Flint Hills Wildlife Refuge, with over 18,000 acres of public land for hiking, hunting, birdwatching, and outdoor adventure. Just beyond is John Redmond Reservoir, offering 9,400 acres of some of the best fishing and recreation in Kansas. What truly sets this property apart is its commitment to sustainable living. A top-tier Fronius & Canadian Solar grid-tied photovoltaic (PV) system supports energy independence, delivering a remarkably low-maintenance, low-cost electric bill. The inverters are safely housed inside the enclosed RV barn, making it easy to add off-grid inverters and batteries if desired, all protected from the elements. With access to public utilities, plus a private water well and solar power system in place, this home is ready for flexible, future-forward living.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1915

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Bedroom2

  • Level: Main
  • Dimensions: n/a

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,880

Interior Area

  • Total structure area: 1,880
  • Total interior livable area: 1,880 sqft

Laundry

  • Level: Main

Master Bedroom

  • Level: Main
  • Dimensions: n/a

Property

Details

  • Parcel number: R16640
  • Special condition: Standard

Lot

  • Lot size: 0.88 Acres
  • Lot size dimensions: .88

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate

How This Home’s Risks Compare

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

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 $1,011$12,132
Home Insurance *$2,625$31,500
Property Taxes $226$2,712
Electricity $161$1,935
Total$4,023$48,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,931/yr
40% on housing$120,690/yr
45% on housing$107,280/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 66854$160
Lyon County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 66854$14
Lyon County$98

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
2026-04-22Listed for sale$229,500
2025-11-01Listing removed$229,500
2025-10-06Price change$229,500
2025-06-19Listed for sale$237,500
2010-06-10Sold--
2005-09-29Sold--

For Sale by Agent

AgentCody Thurston
BrokerageMidwest Land Group

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