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Single Family ResidenceResidential
$169,471$115 / 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 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $150,000 on Jul 2, 2009

20431 STATE ROUTE K

SAINT JOSEPH, MO 64505
1
Baths
1,478 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$169K
$136K low$203K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$150,000 · Jul 2, 2009
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.$49,471
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,577
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.71%
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.$120,000
BANK MIDWEST, NA · recorded Jul 2, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,340 (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.$22,910 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,850
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,060
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$20,990
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$86,980

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
50
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.1.00
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

Transaction History(1)

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.

E
John Glenn Elementary SchoolC+
Elementary · Grades KG–5 · 2.1 mi
M
Savannah Middle SchoolB-
Middle · Grades 6–8 · 7.1 mi
H
Savannah High SchoolB+
High · Grades 9–12 · 8.4 mi

District: Savannah R-Iii School District

Neighborhood · ZIP 64505These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.134
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

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.91%
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.14%
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.14,480
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.292 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,534
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,557
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.60%

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.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

20431 State Route K 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 less than 86% of homes in Andrew County
  • Costs less per square foot than 76% of homes in Andrew County
  • Smaller than 72% of homes in Andrew County
  • Has a bigger lot than 73% of homes in Saint Joseph 64505
  • Older than 79% of homes in Andrew County

What homes are worth in Saint Joseph 64505

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

This home
$51K$781K

This home is worth more than 40% of homes in Saint Joseph 64505.

How it measures up in Saint Joseph 64505

The dot is this home. The mark in the middle is the typical home in Saint Joseph 64505.

Estimated value$169,471
CheaperTypical $208,253Pricier

Pricier than 40% of homes nearby

Price per ft²$115
CheaperTypical $138Pricier

Pricier than 30% of homes nearby

Living area1,478 ft²
SmallerTypical 1,284 ft²Bigger

Bigger than 60% of homes nearby

Lot size1 ac
SmallerTypical 0.32 acBigger

Bigger than 73% of homes nearby

Year built1930
OlderTypical 1950Newer

Newer than 39% of homes nearby

How 20431 State Route K ranks against every home in each area.
MeasureThis homeSaint Joseph 64505Andrew County
Estimated valuepricier than$169,47140% of homes14% of homes
Price per ft²pricier than$11530% of homes24% of homes
Living areabigger than1,478 ft²60% of homes28% of homes
Lot sizebigger than1 ac73% of homes49% of homes
Year builtnewer than193039% of homes21% of homes

About 20431 State Route K

How much is 20431 State Route K, Saint Joseph, MO worth?

The TopHap Estimate for 20431 State Route K, Saint Joseph, MO is $169,471 as of Jun 23, 2026. The likely range is $135,576 to $203,365. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20431 State Route K, Saint Joseph, MO last sell?

20431 State Route K, Saint Joseph, MO last sold on Jul 2, 2009 for $150,000, according to the county's recorded deed.

How big is 20431 State Route K, Saint Joseph, MO?

20431 State Route K, Saint Joseph, MO has 1 bathrooms, 1,478 square feet of living space and a 1.00-acre lot.

When was 20431 State Route K, Saint Joseph, MO built?

20431 State Route K, Saint Joseph, MO was built in 1930, making it 96 years old. The building has 1 story.

What schools serve 20431 State Route K, Saint Joseph, MO?

20431 State Route K, Saint Joseph, MO is assigned to John Glenn Elementary School (elementary), rated C+; Savannah Middle School (middle), rated B-; Savannah High School (high), rated B+. All sit in Savannah R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20431 State Route K, Saint Joseph, MO compare to other homes in Saint Joseph 64505?

Among the 5,057 homes in Saint Joseph 64505, it is worth more than 40% of them ($169,471 against a typical $208,253), its price per square foot is higher than 30% of them ($115 against a typical $138), it is bigger than 60% of them (1,478 ft² against a typical 1,284 ft²), its lot is bigger than 73% of them (1 ac against a typical 0.32 ac) and it is newer than 39% of them (1930 against a typical 1950). Measured against all of Andrew County, it is worth more than 14% 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 20431 State Route K, Saint Joseph, MO?

The 2024 property tax bill for 20431 State Route K, Saint Joseph, MO was $1,340. The county assessed it at $22,910.

Closest homes

More homes in Saint Joseph 64505

Assigned schools

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