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Rural ResidenceResidential
$263,429$215 / 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 96How 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

860 STATE ROUTE U

ARMSTRONG, MO 65230
2
Beds
0
Baths
1,226 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.
448.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$263K
$253K low$274K 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.$38,429
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$30,743
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.82%
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.$225,000
COMMERCIAL TRUST COMPANY · recorded May 10, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,244 (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.$17,940 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$17,940
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$137,902

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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyHOWARD
Lot (acres)The size of the land the home sits on, from county records.448.71
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
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 · 1,760 ft²

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

H
Fayette High SchoolB
High · Grades 9–12 · 7.8 mi
E
Laurence J. Daly Elementary SchoolD
Elementary · Grades PK–5 · 7.9 mi
M
William N. Clark Middle SchoolD-
Middle · Grades 6–8 · 7.9 mi

District: Fayette R-Iii School District

Neighborhood · ZIP 65230These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.868
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.12 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,421
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,683
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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.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

860 State Route U 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.

  • Costs more per square foot than 72% of homes in Howard County
  • Smaller than 66% of homes in Howard County
  • Among the largest lots in Armstrong 65230
  • Older than 82% of homes in Howard County

What homes are worth in Armstrong 65230

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

This home
$97K$761K

This home is worth more than 57% of homes in Armstrong 65230.

How it measures up in Armstrong 65230

The dot is this home. The mark in the middle is the typical home in Armstrong 65230.

Estimated value$263,429
CheaperTypical $240,514Pricier

Pricier than 57% of homes nearby

Price per ft²$215
CheaperTypical $174Pricier

Pricier than 68% of homes nearby

Living area1,226 ft²
SmallerTypical 1,428 ft²Bigger

Bigger than 38% of homes nearby

Lot size448.71 ac
SmallerTypical 3.2 acBigger

Bigger than almost all homes nearby

Year built1910
OlderTypical 1960Newer

Newer than 22% of homes nearby

How 860 State Route U ranks against every home in each area.
MeasureThis homeArmstrong 65230Howard County
Estimated valuepricier than$263,42957% of homes57% of homes
Price per ft²pricier than$21568% of homes72% of homes
Living areabigger than1,226 ft²38% of homes34% of homes
Lot sizebigger than448.71 acalmost all homesalmost all homes
Year builtnewer than191022% of homes18% of homes

About 860 State Route U

How much is 860 State Route U, Armstrong, MO worth?

The TopHap Estimate for 860 State Route U, Armstrong, MO is $263,429 as of Jul 14, 2026. The likely range is $253,198 to $273,660. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 860 State Route U, Armstrong, MO last sell?

860 State Route U, Armstrong, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 860 State Route U, Armstrong, MO?

860 State Route U, Armstrong, MO has 2 bedrooms, 1,226 square feet of living space and a 448.71-acre lot.

When was 860 State Route U, Armstrong, MO built?

860 State Route U, Armstrong, MO was built in 1910, making it 116 years old. The building has 1 story.

What schools serve 860 State Route U, Armstrong, MO?

860 State Route U, Armstrong, MO is assigned to Fayette High School (high), rated B; Laurence J. Daly Elementary School (elementary), rated D; William N. Clark Middle School (middle), rated D-. All sit in Fayette R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 860 State Route U, Armstrong, MO compare to other homes in Armstrong 65230?

Among the 339 homes in Armstrong 65230, it is worth more than 57% of them ($263,429 against a typical $240,514), its price per square foot is higher than 68% of them ($215 against a typical $174), it is bigger than 38% of them (1,226 ft² against a typical 1,428 ft²), its lot is bigger than almost all of them (448.71 ac against a typical 3.2 ac) and it is newer than 22% of them (1910 against a typical 1960). Measured against all of Howard County, it is worth more than 57% 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 860 State Route U, Armstrong, MO?

The 2025 property tax bill for 860 State Route U, Armstrong, MO was $1,244. The county assessed it at $17,940.

Closest homes

More homes in Armstrong 65230

Assigned schools

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