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Rural ResidenceResidential
$222,279$151 / 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

496 SW STATE ROUTE O

OSBORN, MO 64474
2
Beds
1
Baths
1,468 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.
1.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$222K
$207K low$237K 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.$76,023
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$60,818
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.65%
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.$112,256
TAYLOR BEAN & WHITAKER MORTGAGE CORP · recorded Oct 22, 2009
2nd 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.$34,000
JENNIFER LARKIN

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,057 (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.$17,510 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$860
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$16,650
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$92,120

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
49
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
72
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
58
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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.Rural Residence
CountyDeKalb
Lot (acres)The size of the land the home sits on, from county records.1.10
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Maysville Jr.-Sr. High SchoolC
Middle · Grades 7–12 · 3.9 mi
E
Maysville Elementary SchoolC
Elementary · Grades PK–6 · 3.9 mi

District: Maysville R-I School District

Neighborhood · ZIP 64474These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
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.1,000
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.15 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,646
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,316
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.38 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

496 Sw 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.

What homes are worth in Osborn 64474

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

This home
$86K$714K

This home is worth more than 40% of homes in Osborn 64474.

How it measures up in Osborn 64474

The dot is this home. The mark in the middle is the typical home in Osborn 64474.

Estimated value$222,279
CheaperTypical $249,142Pricier

Pricier than 40% of homes nearby

Price per ft²$151
CheaperTypical $155Pricier

Pricier than 48% of homes nearby

Living area1,468 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 43% of homes nearby

Lot size1.1 ac
SmallerTypical 3 acBigger

Bigger than 41% of homes nearby

Year built1970
OlderTypical 1968Newer

Newer than 53% of homes nearby

How 496 Sw State Route O ranks against every home in each area.
MeasureThis homeOsborn 64474DeKalb County
Estimated valuepricier than$222,27940% of homes38% of homes
Price per ft²pricier than$15148% of homes40% of homes
Living areabigger than1,468 ft²43% of homes48% of homes
Lot sizebigger than1.1 ac41% of homes43% of homes
Year builtnewer than197053% of homes44% of homes

About 496 Sw State Route O

How much is 496 Sw State Route O, Osborn, MO worth?

The TopHap Estimate for 496 Sw State Route O, Osborn, MO is $222,279 as of Jul 14, 2026. The likely range is $207,100 to $237,458. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 496 Sw State Route O, Osborn, MO last sell?

496 Sw State Route O, Osborn, MO last sold on Oct 27, 2021, according to the county's recorded deed.

How big is 496 Sw State Route O, Osborn, MO?

496 Sw State Route O, Osborn, MO has 2 bedrooms, 1 bathrooms, 1,468 square feet of living space and a 1.10-acre lot.

When was 496 Sw State Route O, Osborn, MO built?

496 Sw State Route O, Osborn, MO was built in 1970, making it 56 years old. The building has 1 story.

What schools serve 496 Sw State Route O, Osborn, MO?

496 Sw State Route O, Osborn, MO is assigned to Maysville Jr.-Sr. High School (middle), rated C; Maysville Elementary School (elementary), rated C. All sit in Maysville R-I School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 496 Sw State Route O, Osborn, MO compare to other homes in Osborn 64474?

Among the 370 homes in Osborn 64474, it is worth more than 40% of them ($222,279 against a typical $249,142), its price per square foot is higher than 48% of them ($151 against a typical $155), it is bigger than 43% of them (1,468 ft² against a typical 1,564 ft²), its lot is bigger than 41% of them (1.1 ac against a typical 3 ac) and it is newer than 53% of them (1970 against a typical 1968). Measured against all of DeKalb County, it is worth more than 38% 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 496 Sw State Route O, Osborn, MO?

The 2025 property tax bill for 496 Sw State Route O, Osborn, MO was $1,057. The county assessed it at $17,510.

Closest homes

More homes in Osborn 64474

Assigned schools

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