Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$233,121$127 / 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 92How 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

20157 STATE ROUTE U

SAINT JAMES, MO 65559
2
Beds
1
Baths
1,836 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.
4.6 ac
Lot SizeThe size of the land the home sits on, from county records.
2013
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$233K
$216K low$251K 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.$218,121
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$174,497
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.6%
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.$15,000
TOWN & COUNTRY BANK · recorded Jan 18, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,071 (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.$49,650 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,840
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$46,810
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$49,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$277,080

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.52
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
52
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyPHELPS
Lot (acres)The size of the land the home sits on, from county records.4.60
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Gravity
FireplaceWhether the home has a fireplace, and what kind.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 84 ft²

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

E
Lucy Wortham James Elementary SchoolC+
Elementary · Grades PK–5 · 3.8 mi
H
St. James High SchoolB-
High · Grades 9–12 · 3.9 mi
M
St. James Middle SchoolC+
Middle · Grades 6–8 · 4.9 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.Absentee owner
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

20157 State Route U 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.

  • Costs less per square foot than 81% of homes in Saint James 65559
  • Bigger than 72% of homes in Saint James 65559
  • Has a bigger lot than 69% of homes in Phelps County
  • Newer than 94% of homes in Phelps County

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
$102K$650K

This home is worth more than 44% 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$233,121
CheaperTypical $251,516Pricier

Pricier than 44% of homes nearby

Price per ft²$127
CheaperTypical $162Pricier

Pricier than 19% of homes nearby

Living area1,836 ft²
SmallerTypical 1,480 ft²Bigger

Bigger than 72% of homes nearby

Lot size4.6 ac
SmallerTypical 3.29 acBigger

Bigger than 55% of homes nearby

Year built2013
OlderTypical 1978Newer

Newer than 93% of homes nearby

How 20157 State Route U ranks against every home in each area.
MeasureThis homeSaint James 65559Phelps County
Estimated valuepricier than$233,12144% of homes47% of homes
Price per ft²pricier than$12719% of homes22% of homes
Living areabigger than1,836 ft²72% of homes69% of homes
Lot sizebigger than4.6 ac55% of homes69% of homes
Year builtnewer than201393% of homes94% of homes

About 20157 State Route U

How much is 20157 State Route U, Saint James, MO worth?

The TopHap Estimate for 20157 State Route U, Saint James, MO is $233,121 as of Jul 14, 2026. The likely range is $215,528 to $250,714. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20157 State Route U, Saint James, MO last sell?

20157 State Route U, Saint James, MO last sold on Apr 13, 2009, according to the county's recorded deed.

How big is 20157 State Route U, Saint James, MO?

20157 State Route U, Saint James, MO has 2 bedrooms, 1 bathrooms, 1,836 square feet of living space and a 4.60-acre lot.

When was 20157 State Route U, Saint James, MO built?

20157 State Route U, Saint James, MO was built in 2013, making it 13 years old. The building has 1 story.

What schools serve 20157 State Route U, Saint James, MO?

20157 State Route U, Saint James, MO is assigned to Lucy Wortham James Elementary School (elementary), rated C+; St. James High School (high), rated B-; St. James Middle School (middle), 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 20157 State Route U, 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 44% of them ($233,121 against a typical $251,516), its price per square foot is higher than 19% of them ($127 against a typical $162), it is bigger than 72% of them (1,836 ft² against a typical 1,480 ft²), its lot is bigger than 55% of them (4.6 ac against a typical 3.29 ac) and it is newer than 93% of them (2013 against a typical 1978). Measured against all of Phelps County, it is worth more than 47% 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 20157 State Route U, Saint James, MO?

The 2025 property tax bill for 20157 State Route U, Saint James, MO was $2,071. The county assessed it at $49,650.

Closest homes

More homes in Saint James 65559

Assigned schools

Explore the area

See this home in context

Open 20157 State Route U on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map