Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$304,016$204 / 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 85How 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

20235 STATE ROUTE U

SAINT JAMES, MO 65559
1
Baths
1,488 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.
19.8 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$304K
$258K low$350K 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.$197,916
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$158,333
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.37%
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.$106,100
QUICKEN LOANS INC · recorded Jul 19, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,328 (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.$31,850 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,950
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$31,850
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$168,120

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.57
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
54
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.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
47
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.6 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.19.80
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.Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 7.5 mi
H
St. James High SchoolB-
High · Grades 9–12 · 7.6 mi
E
Lucy Wortham James Elementary SchoolC+
Elementary · Grades PK–5 · 7.7 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.Yes

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

20235 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.

  • Worth more than 66% of homes in Phelps County
  • Costs more per square foot than 79% of homes in Phelps County
  • Has a bigger lot than 85% of homes in Phelps County
  • Newer than 84% 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
$97K$650K

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$304,016
CheaperTypical $251,748Pricier

Pricier than 64% of homes nearby

Price per ft²$204
CheaperTypical $162Pricier

Pricier than 73% of homes nearby

Living area1,488 ft²
SmallerTypical 1,487 ft²Bigger

Bigger than 50% of homes nearby

Lot size19.8 ac
SmallerTypical 3.2 acBigger

Bigger than 78% of homes nearby

Year built2004
OlderTypical 1978Newer

Newer than 84% of homes nearby

How 20235 State Route U ranks against every home in each area.
MeasureThis homeSaint James 65559Phelps County
Estimated valuepricier than$304,01664% of homes66% of homes
Price per ft²pricier than$20473% of homes79% of homes
Living areabigger than1,488 ft²50% of homes48% of homes
Lot sizebigger than19.8 ac78% of homes85% of homes
Year builtnewer than200484% of homes84% of homes

About 20235 State Route U

How much is 20235 State Route U, Saint James, MO worth?

The TopHap Estimate for 20235 State Route U, Saint James, MO is $304,016 as of Jul 14, 2026. The likely range is $257,564 to $350,468. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20235 State Route U, Saint James, MO last sell?

20235 State Route U, Saint James, MO last sold on Jul 19, 2013, according to the county's recorded deed.

How big is 20235 State Route U, Saint James, MO?

20235 State Route U, Saint James, MO has 1 bathrooms, 1,488 square feet of living space and a 19.80-acre lot.

When was 20235 State Route U, Saint James, MO built?

20235 State Route U, Saint James, MO was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 20235 State Route U, Saint James, MO?

20235 State Route U, 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 20235 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 64% of them ($304,016 against a typical $251,748), its price per square foot is higher than 73% of them ($204 against a typical $162), it is bigger than 50% of them (1,488 ft² against a typical 1,487 ft²), its lot is bigger than 78% of them (19.8 ac against a typical 3.2 ac) and it is newer than 84% of them (2004 against a typical 1978). Measured against all of Phelps County, it is worth more than 66% 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 20235 State Route U, Saint James, MO?

The 2025 property tax bill for 20235 State Route U, Saint James, MO was $1,328. The county assessed it at $31,850.

Closest homes

More homes in Saint James 65559

Assigned schools

Explore the area

See this home in context

Open 20235 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