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Rural ResidenceResidential
$303,814$169 / 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 94How 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

18528 STATE ROUTE B

SAINT JAMES, MO 65559
1
Baths
1,798 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.
18.7 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$304K
$284K low$324K 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.$147,597
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$118,078
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$156,217
TOWN & COUNTRY BANK · recorded Jan 8, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$653 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$15,660 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,460
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,660
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$82,910

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
14
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.minimal

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
StyleThe architectural style of the home, such as ranch or colonial.Modular
CountyPHELPS
Lot (acres)The size of the land the home sits on, from county records.18.70
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
St. James Middle SchoolC+
Middle · Grades 6–8 · 5.2 mi
H
St. James High SchoolB-
High · Grades 9–12 · 5.5 mi
E
Lucy Wortham James Elementary SchoolC+
Elementary · Grades PK–5 · 5.6 mi

District: St. James R-I School District

Neighborhood · ZIP 65559These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.111
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.10,002
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.51 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,700
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,636
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

18528 State Route B 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 67% of homes in Phelps County
  • Bigger than 70% of homes in Saint James 65559
  • Has a bigger lot than 85% of homes in Phelps County
  • Newer than 88% of homes in Saint James 65559

What homes are worth in Saint James 65559

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

This home
$104K$655K

This home is worth more than 64% of homes in Saint James 65559.

How it measures up in Saint James 65559

The dot is this home. The mark in the middle is the typical home in Saint James 65559.

Estimated value$303,814
CheaperTypical $251,874Pricier

Pricier than 64% of homes nearby

Price per ft²$169
CheaperTypical $162Pricier

Pricier than 54% of homes nearby

Living area1,798 ft²
SmallerTypical 1,473 ft²Bigger

Bigger than 70% of homes nearby

Lot size18.7 ac
SmallerTypical 3.2 acBigger

Bigger than 76% of homes nearby

Year built2006
OlderTypical 1978Newer

Newer than 88% of homes nearby

How 18528 State Route B ranks against every home in each area.
MeasureThis homeSaint James 65559Phelps County
Estimated valuepricier than$303,81464% of homes67% of homes
Price per ft²pricier than$16954% of homes58% of homes
Living areabigger than1,798 ft²70% of homes67% of homes
Lot sizebigger than18.7 ac76% of homes85% of homes
Year builtnewer than200688% of homes88% of homes

About 18528 State Route B

How much is 18528 State Route B, Saint James, MO worth?

The TopHap Estimate for 18528 State Route B, Saint James, MO is $303,814 as of Jul 14, 2026. The likely range is $284,127 to $323,501. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18528 State Route B, Saint James, MO last sell?

18528 State Route B, Saint James, MO last sold on May 27, 2011, according to the county's recorded deed.

How big is 18528 State Route B, Saint James, MO?

18528 State Route B, Saint James, MO has 1 bathrooms, 1,798 square feet of living space and a 18.70-acre lot.

When was 18528 State Route B, Saint James, MO built?

18528 State Route B, Saint James, MO was built in 2006, making it 20 years old. It is a modular home. The building has 1 story.

What schools serve 18528 State Route B, Saint James, MO?

18528 State Route B, Saint James, MO is assigned to St. James Middle School (middle), rated C+; St. James High School (high), rated B-; Lucy Wortham James Elementary School (elementary), rated C+. All sit in St. James R-I School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18528 State Route B, Saint James, MO compare to other homes in Saint James 65559?

Among the 3,633 homes in Saint James 65559, it is worth more than 64% of them ($303,814 against a typical $251,874), its price per square foot is higher than 54% of them ($169 against a typical $162), it is bigger than 70% of them (1,798 ft² against a typical 1,473 ft²), its lot is bigger than 76% of them (18.7 ac against a typical 3.2 ac) and it is newer than 88% of them (2006 against a typical 1978). Measured against all of Phelps County, it is worth more than 67% 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 18528 State Route B, Saint James, MO?

The 2025 property tax bill for 18528 State Route B, Saint James, MO was $653. The county assessed it at $15,660.

Closest homes

More homes in Saint James 65559

Assigned schools

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