Jennifer Miller

3122 Penn Street

St Joseph, MO
$ 124,900 Beds 3 Baths 1 Sq 1,026
Monthly Estimate* How much can I afford?

Welcome to 3122 Penn Street, a cozy, character-rich 1.5-story home offering fantastic layout flexibility and classic charm in the heart of St. Joseph. Featuring 3 bedrooms, 1 bathroom, and over 1,000 sq. ft. of comfortable living space, this property is ideal for first-time buyers, downsizers, or savvy investors adding to their portfolio. Property Highlights: Spacious Layout: 1,026 sq. ft. including main-floor living areas plus a finished attic setup—perfect for a private 3rd bedroom, home office, or bonus room. Classic Details: Features a combination of rich, natural woodwork and white painted trim throughout and neutral wall tones ready for your personal touch. Eats & Entertaining: A bright, spacious eat-in kitchen with plenty of cabinet room and functional flow. Convenient Extras: Main floor laundry room, back mudroom area, off-street parking, and a clean basement for extra storage needs. Lot & Location: Situated on a generous 0.16-acre (6,969 sq. ft.) lot with a manageable yard. Centrally located near local amenities, parks, and quick access around town.

Active

  • Price
  • $ 124,900
  • City
  • St Joseph
  • Bedrooms
  • 3
  • Full Bathrooms
  • 1
  • County
  • BUCHANAN
  • Half Bathrooms
  • 0
  • Area
  • 1132 - Buchanan Co NW-N=Co Line - S=I-36 - E=I-29
  • Lot Size
  • 0.160009 Acres
  • Zip
  • 64507
  • Sqr Footage
  • 1,026
  • Year Built
  • 1921
  • Taxes
  • $ 775
  • Style
  • MLS#
  • 2642980
Listed By: UNITED COUNTRY PROPERTY SOLUTI
Data Source: Heartland MLS (HMLS)

Features

General

Living Area 1026
Sewer Public Sewer
Heating Forced Air,Natural Gas
Cooling Electric
Possession Funding
Roof Composition
Appliances Refrigerator,Electric Range
Patio/Porch Features Porch
Construction Materials Frame
Year Built 1921
Property Subtype Single Family Residence
Ownership Private
County Buchanan
Property Type Residential
HOA No
Subdivision Name Oak Hill Est
Garage Y/N No
Full Baths 1
Status Active
Directions From 32nd and Penn,West on Penn.
High School Central
City St Joseph
High School District St. Joseph
MLS Area 1132 - Buchanan Co NW-N=Co Line;S=I-36;E=I-29;W=M
Lot Size Units Square Feet
Lot Size Square Feet 6970
Listing Terms Cash,Conventional
Elementary School Mark Twain
Middle/Junior High School Truman
Public Remarks Welcome to 3122 Penn Street,a cozy,character-rich 1.5-story home offering fantastic layout flexibility and classic charm in the heart of St. Joseph. Featuring 3 bedrooms,1 bathroom,and over 1,000 sq.
Standard Status Active
In Flood Plain Unknown
HMS_MaintenanceProvidedYN No

Interior Features

Basement Partial
Basement (Y/N) Yes
Air Conditioning Y/N Yes
Fireplace Y/N No
Above Grade Finished Area 1026
Total Bedrooms 3
Floor Plan Features 1.5 Stories

Exterior Features

Parking Features Carport
Water Source Public
Lot Size Area 6970
Lot Dimensions 50 x 143

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Lee's Summit, MO office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Mark Twain Elementary School
Middle School Truman Middle School
High School Central High School

Price History

9/18/2026 Listed $124,900

Property vs Zip Code Average in 64507

Price
AVG $310K
$120K
Taxes
AVG $1,339
$775
Year Built
AVG 1941
1921
Visits
AVG 80
5
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

3122 Penn Street St Joseph, MO is a Single Family Home for sale at $124900 with 1026 sqft and a lot size of 0.160009 Acres Acre(s). 3122 Penn Street St Joseph has 3 bedrooms, 1 baths and was built in 1921. The property's zip code is 64507 which is in St Joseph, MO

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Jennifer Miller

Jennifer Miller

816-263-3353

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