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Single Family ResidenceResidential
$431,431$162 / 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 93How 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
Last sold for $276,300 on Sep 25, 2007

20652 STATE ROUTE Z

COSBY, MO 64436
4
Beds
1
Baths
2,664 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.
5.07 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$431K
$403K low$460K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$276,300 · Sep 25, 2007
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.$210,431
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$168,345
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.52%
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.$221,000
COMMERCE BANK, NA · recorded Nov 28, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,786 (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.$32,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,880
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,990

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.46
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
75
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
43
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.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.Single Family Residence
CountyANDREW
Lot (acres)The size of the land the home sits on, from county records.5.07
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.Asphalt
HeatingThe type of heating system in the home.Gas
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Deck · 144 ft²Porch · 133 ft²

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
Helena Elementary SchoolA+
Elementary · Grades KG–5 · 6.0 mi
H
Savannah High SchoolB+
High · Grades 9–12 · 11.1 mi
M
Savannah Middle SchoolB-
Middle · Grades 6–8 · 11.8 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

20652 State Route Z 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 76% of homes in Andrew County
  • Costs more per square foot than 67% of homes in Andrew County
  • Bigger than 70% of homes in Andrew County
  • Has a bigger lot than 72% of homes in Andrew County
  • Older than 81% 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$813K

This home is worth more than 63% 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$431,431
CheaperTypical $360,822Pricier

Pricier than 63% of homes nearby

Price per ft²$162
CheaperTypical $155Pricier

Pricier than 57% of homes nearby

Living area2,664 ft²
SmallerTypical 2,420 ft²Bigger

Bigger than 57% of homes nearby

Lot size5.07 ac
SmallerTypical 4.1 acBigger

Bigger than 55% of homes nearby

Year built1920
OlderTypical 1975Newer

Newer than 24% of homes nearby

How 20652 State Route Z ranks against every home in each area.
MeasureThis homeCosby 64436Andrew County
Estimated valuepricier than$431,43163% of homes76% of homes
Price per ft²pricier than$16257% of homes67% of homes
Living areabigger than2,664 ft²57% of homes70% of homes
Lot sizebigger than5.07 ac55% of homes72% of homes
Year builtnewer than192024% of homes19% of homes

About 20652 State Route Z

How much is 20652 State Route Z, Cosby, MO worth?

The TopHap Estimate for 20652 State Route Z, Cosby, MO is $431,431 as of Jul 14, 2026. The likely range is $403,169 to $459,693. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20652 State Route Z, Cosby, MO last sell?

20652 State Route Z, Cosby, MO last sold on Sep 25, 2007 for $276,300, according to the county's recorded deed.

How big is 20652 State Route Z, Cosby, MO?

20652 State Route Z, Cosby, MO has 4 bedrooms, 1 bathrooms, 2,664 square feet of living space and a 5.07-acre lot.

When was 20652 State Route Z, Cosby, MO built?

20652 State Route Z, Cosby, MO was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 20652 State Route Z, Cosby, MO?

20652 State Route Z, 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 20652 State Route Z, Cosby, MO compare to other homes in Cosby 64436?

Among the 354 homes in Cosby 64436, it is worth more than 63% of them ($431,431 against a typical $360,822), its price per square foot is higher than 57% of them ($162 against a typical $155), it is bigger than 57% of them (2,664 ft² against a typical 2,420 ft²), its lot is bigger than 55% of them (5.07 ac against a typical 4.1 ac) and it is newer than 24% of them (1920 against a typical 1975). Measured against all of Andrew County, it is worth more than 76% 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 20652 State Route Z, Cosby, MO?

The 2025 property tax bill for 20652 State Route Z, Cosby, MO was $1,786. The county assessed it at $32,680.

More homes on State Route Z

Closest homes

More homes in Cosby 64436

Assigned schools

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