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Rural ResidenceResidential
$533,183$239 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $268,300 on Sep 9, 2013

20824 COUNTY ROAD 3620

SAINT JAMES, MO 65559
4
Baths
2,228 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.
9.8 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

$533K
$504K low$562K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$268,300 · Sep 9, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,225 (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.$53,360 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,070
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$49,290
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,360
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$285,290

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.50
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
53
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.
70
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.8 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.1 percent flood zone

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.9.80
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, 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.Shed · 96 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
Lucy Wortham James Elementary SchoolA-
Elementary · Grades PK–5 · 3.5 mi
H
St. James High SchoolB
High · Grades 9–12 · 3.6 mi
M
St. James Middle SchoolB+
Middle · Grades 6–8 · 4.5 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.$65,701
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%

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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

20824 County Road 3620 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 Saint James 65559
  • Costs more per square foot than 92% of homes in Phelps County
  • Bigger than 86% of homes in Saint James 65559
  • Has a bigger lot than 78% of homes in Phelps County
  • Newer than 83% 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
$110K$647K

This home is worth more than 95% 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$533,183
CheaperTypical $245,919Pricier

Pricier than 95% of homes nearby

Price per ft²$239
CheaperTypical $163Pricier

Pricier than 88% of homes nearby

Living area2,228 ft²
SmallerTypical 1,474 ft²Bigger

Bigger than 86% of homes nearby

Lot size9.8 ac
SmallerTypical 3.28 acBigger

Bigger than 68% of homes nearby

Year built2004
OlderTypical 1979Newer

Newer than 82% of homes nearby

How 20824 County Road 3620 ranks against every home in each area.
MeasureThis homeSaint James 65559Phelps County
Estimated valuepricier than$533,18395% of homes94% of homes
Price per ft²pricier than$23988% of homes92% of homes
Living areabigger than2,228 ft²86% of homes83% of homes
Lot sizebigger than9.8 ac68% of homes78% of homes
Year builtnewer than200482% of homes83% of homes

About 20824 County Road 3620

How much is 20824 County Road 3620, Saint James, MO worth?

The TopHap Estimate for 20824 County Road 3620, Saint James, MO is $533,183 as of Oct 21, 2026. The likely range is $504,132 to $562,234. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20824 County Road 3620, Saint James, MO last sell?

20824 County Road 3620, Saint James, MO last sold on Sep 9, 2013 for $268,300, according to the county's recorded deed.

How big is 20824 County Road 3620, Saint James, MO?

20824 County Road 3620, Saint James, MO has 4 bathrooms, 2,228 square feet of living space and a 9.80-acre lot.

When was 20824 County Road 3620, Saint James, MO built?

20824 County Road 3620, Saint James, MO was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 20824 County Road 3620, Saint James, MO?

20824 County Road 3620, Saint James, MO is assigned to Lucy Wortham James Elementary School (elementary), rated A-; St. James High School (high), rated B; St. James Middle School (middle), rated B+. All sit in St. James R-I School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20824 County Road 3620, Saint James, MO compare to other homes in Saint James 65559?

Among the 3,642 homes in Saint James 65559, it is worth more than 95% of them ($533,183 against a typical $245,919), its price per square foot is higher than 88% of them ($239 against a typical $163), it is bigger than 86% of them (2,228 ft² against a typical 1,474 ft²), its lot is bigger than 68% of them (9.8 ac against a typical 3.28 ac) and it is newer than 82% of them (2004 against a typical 1979). Measured against all of Phelps County, it is worth more than 94% 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 20824 County Road 3620, Saint James, MO?

The 2025 property tax bill for 20824 County Road 3620, Saint James, MO was $2,225. The county assessed it at $53,360.

More homes on County Road 3620

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