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Single Family ResidenceResidential
$676,359$173 / 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 62How 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

20278 STATE ROUTE O

COSBY, MO 64436
3
Beds
2
Baths
3,915 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.
157.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$676K
$417K low$936K 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.$676,359
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$541,087

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,114 (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.$56,970 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$47,960
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,520
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$355,230

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.42 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.Single Family Residence
CountyAndrew
Lot (acres)The size of the land the home sits on, from county records.157.40
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Gas
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.Mixed
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 420 ft²Porch · 380 ft²

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 · 3.9 mi
H
Savannah High SchoolB+
High · Grades 9–12 · 9.9 mi
M
Savannah Middle SchoolB-
Middle · Grades 6–8 · 10.8 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

20278 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 95% of homes in Andrew County
  • Costs more per square foot than 73% of homes in Andrew County
  • Bigger than 91% of homes in Andrew County
  • Has a bigger lot than 97% of homes in Cosby 64436
  • Older than 75% 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$809K

This home is worth more than 92% 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$676,359
CheaperTypical $360,822Pricier

Pricier than 92% of homes nearby

Price per ft²$173
CheaperTypical $155Pricier

Pricier than 64% of homes nearby

Living area3,915 ft²
SmallerTypical 2,456 ft²Bigger

Bigger than 84% of homes nearby

Lot size157.4 ac
SmallerTypical 4 acBigger

Bigger than 97% of homes nearby

Year built1948
OlderTypical 1975Newer

Newer than 30% of homes nearby

How 20278 State Route O ranks against every home in each area.
MeasureThis homeCosby 64436Andrew County
Estimated valuepricier than$676,35992% of homes95% of homes
Price per ft²pricier than$17364% of homes73% of homes
Living areabigger than3,915 ft²84% of homes91% of homes
Lot sizebigger than157.4 ac97% of homes97% of homes
Year builtnewer than194830% of homes25% of homes

About 20278 State Route O

How much is 20278 State Route O, Cosby, MO worth?

The TopHap Estimate for 20278 State Route O, Cosby, MO is $676,359 as of Jul 14, 2026. The likely range is $416,507 to $936,211. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 20278 State Route O, Cosby, MO?

20278 State Route O, Cosby, MO has 3 bedrooms, 2 bathrooms, 3,915 square feet of living space and a 157.40-acre lot.

When was 20278 State Route O, Cosby, MO built?

20278 State Route O, Cosby, MO was built in 1948, making it 78 years old. The building has 2 stories.

What schools serve 20278 State Route O, Cosby, MO?

20278 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 20278 State Route O, Cosby, MO compare to other homes in Cosby 64436?

Among the 354 homes in Cosby 64436, it is worth more than 92% of them ($676,359 against a typical $360,822), its price per square foot is higher than 64% of them ($173 against a typical $155), it is bigger than 84% of them (3,915 ft² against a typical 2,456 ft²), its lot is bigger than 97% of them (157.4 ac against a typical 4 ac) and it is newer than 30% of them (1948 against a typical 1975). Measured against all of Andrew County, it is worth more than 95% 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 20278 State Route O, Cosby, MO?

The 2024 property tax bill for 20278 State Route O, Cosby, MO was $3,114. The county assessed it at $56,970.

Closest homes

More homes in Cosby 64436

Assigned schools

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