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Rural ResidenceResidential
$476,370$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 61How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

18312 STATE ROUTE O

COSBY, MO 64436
3
Beds
1
Baths
2,040 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
207.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$476K
$291K low$662K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$476,370
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$381,096

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,400 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$80,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,330
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$64,170
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$74,230
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$504,750

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyAndrew
Lot (acres)The size of the land the home sits on, from county records.207.80
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Gas
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Helena Elementary SchoolA+
Elementary · Grades KG–5 · 4.6 mi
H
Savannah High SchoolB+
High · Grades 9–12 · 8.8 mi
M
Savannah Middle SchoolB-
Middle · Grades 6–8 · 9.6 mi

District: Savannah R-Iii School District

Neighborhood · ZIP 64436These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.135
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.814
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.25 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,965
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$134,943
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

18312 State Route O measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 82% of homes in Andrew County
  • Costs more per square foot than 93% of homes in Cosby 64436
  • Among the largest lots in Andrew County
  • Older than 72% of homes in Andrew County

What homes are worth in Cosby 64436

Each bar is how many homes fall in that price range. The marker is this home.

This home
$86K$813K

This home is worth more than 69% of homes in Cosby 64436.

How it measures up in Cosby 64436

The dot is this home. The mark in the middle is the typical home in Cosby 64436.

Estimated value$476,370
CheaperTypical $360,822Pricier

Pricier than 69% of homes nearby

Price per ft²$234
CheaperTypical $155Pricier

Pricier than 93% of homes nearby

Living area2,040 ft²
SmallerTypical 2,420 ft²Bigger

Bigger than 40% of homes nearby

Lot size207.8 ac
SmallerTypical 4.1 acBigger

Bigger than 98% of homes nearby

Year built1950
OlderTypical 1975Newer

Newer than 33% of homes nearby

How 18312 State Route O ranks against every home in each area.
MeasureThis homeCosby 64436Andrew County
Estimated valuepricier than$476,37069% of homes82% of homes
Price per ft²pricier than$23493% of homes93% of homes
Living areabigger than2,040 ft²40% of homes51% of homes
Lot sizebigger than207.8 ac98% of homesalmost all homes
Year builtnewer than195033% of homes28% of homes

About 18312 State Route O

How much is 18312 State Route O, Cosby, MO worth?

The TopHap Estimate for 18312 State Route O, Cosby, MO is $476,370 as of Jul 14, 2026. The likely range is $291,072 to $661,668. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 18312 State Route O, Cosby, MO?

18312 State Route O, Cosby, MO has 3 bedrooms, 1 bathrooms, 2,040 square feet of living space and a 207.80-acre lot.

When was 18312 State Route O, Cosby, MO built?

18312 State Route O, Cosby, MO was built in 1950, making it 76 years old. The building has 2 stories.

What schools serve 18312 State Route O, Cosby, MO?

18312 State Route O, Cosby, MO is assigned to Helena Elementary School (elementary), rated A+; Savannah High School (high), rated B+; Savannah Middle School (middle), rated B-. All sit in Savannah R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18312 State Route O, Cosby, MO compare to other homes in Cosby 64436?

Among the 354 homes in Cosby 64436, it is worth more than 69% of them ($476,370 against a typical $360,822), its price per square foot is higher than 93% of them ($234 against a typical $155), it is bigger than 40% of them (2,040 ft² against a typical 2,420 ft²), its lot is bigger than 98% of them (207.8 ac against a typical 4.1 ac) and it is newer than 33% of them (1950 against a typical 1975). Measured against all of Andrew County, it is worth more than 82% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 18312 State Route O, Cosby, MO?

The 2024 property tax bill for 18312 State Route O, Cosby, MO was $4,400. The county assessed it at $80,500.

More homes on State Route O

Closest homes

More homes in Cosby 64436

Assigned schools

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