3204 Harbor View Dr N/A Saint Joseph, MO $ 689,500
3204 Harbor View Dr N/A
$ 689,500
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Open House 4/24 2pm - 6pm
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3204 Harbor View Dr N/A

Saint Joseph, MO, 64506
$ 689,500
Bedrooms5 Baths3.1 Sq 4,149

Monthly Estimate*

$ 4,245

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Single Family Home for sale in Saint Joseph, MO

for $689,500 with 5 bedrooms and 3 full baths, 1 half bath. This 4,149 square foot home was built in 2002 on a lot size of 0.95.

Highly desirable Lake at Twelve Oaks. Offering nearly 4,200 +/- square feet of finished living space, this reverse ranch is tucked at the end of a quiet cul-de-sac on a private .95-acre lot. Designed for both everyday living and entertaining, the main level features a bright living room, a comfortable family room with fireplace, and versatile dining options including a formal dining area, breakfast nook, and a granite wraparound bar with seating for six. A convenient laundry room adds efficiency, while three sets of sliding doors open to an expansive 450 sq ft covered deck for seamless indoor-outdoor living. The walkout lower level is ideal for gatherings or multigenerational living, offering a large recreation area with a second fireplace, a full second kitchen, and a spacious bedroom with nearby bath. Outdoor living continues with direct access to a covered patio, expansive bar area, hot tub, and a large L-shaped in-ground pool—creating a private retreat for entertaining or relaxing. Located in Lake at Twelve Oaks, residents enjoy lake access, scenic walking trails, and a strong sense of community with annual events such as a 4th of July fireworks extravaganza. Conveniently situated just minutes from Altec, Missouri Western State University, Herzog, and Mosaic Hospital. Nearby schools include Oak Grove Elementary and St. Joseph Christian School, both just minutes away.

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Open House

4/24/2026 2:00 PM - 6:00 PM
3204 Harbor View Dr N/A Saint Joseph, MO
* Some states or local ordinances may prohibit Open Houses at this time, please confirm with your Weichert agent or local rep to confirm

Single Family Active

Price

$ 689,500

Bedrooms

5

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 5,602

Style

Lot Size

0.95

Year Built

2002

Town/City

Saint Joseph

County/Region

Buchanan

MLS | Web ID

2615150

Features
General
Living Area 4149
Sewer Public Sewer
Heating Natural Gas
Cooling Electric
Possession Close Of Escrow
Roof Composition
Appliances Cooktop Dishwasher Disposal Microwave Refrigerator
HOA Fee 600
Garage Spaces 3
Patio/Porch Features Deck- Covered
Pool Features In Ground
Construction Materials Stucco & Frame
Year Built 2002
Property Subtype Single Family Residence
Ownership Private
Assoc Fee Paid Per Annually
County Buchanan
Property Type Residential
HOA Y
Subdivision Name Lake at Twelve Oaks
Garage Y/N Y
Full Baths 3
Status Active
Directions Cook Road South on Bishop West on S Lakewood Drive South on Harbor View Dr.
High School Central
City St Joseph
High School District St. Joseph
MLS Area 1122 - Buchanan Co NE-N=Co Line;S=I-36;E=Co Line;
Lot Size Units Acres
Lot Size Square Feet 41382
Listing Terms Cash Conventional FHA VA Loan
Elementary School Oak Grove
Middle/Junior High School Bode
Public Remarks Highly desirable Lake at Twelve Oaks. Offering nearly 4 200 +/- square feet of finished living space this reverse ranch is tucked at the end of a quiet cul-de-sac on a private .95-acre lot. Designed
Standard Status Active
In Flood Plain No
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Interior
Interior Amenities Ceiling Fan(s) Central Vacuum
Basement Basement BR Finished Full Walk-Out Access
Flooring Carpet Ceramic Floor Luxury Vinyl
Total Fireplaces 2
Fireplace Features Basement Family Room Gas
Basement (Y/N) Y
Air Conditioning Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2349
Half Baths 1
Laundry Features Main Level Off The Kitchen
Total Bedrooms 5
Below Grade Finished Area 1800
Dining Area Features Eat-In Kitchen
Floor Plan Features Raised Ranch
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Exterior
Exterior Amenities Hot Tub
Fencing Metal
Parking Features Attached Garage Door Opener Garage Faces Side
Lot Features Cul-De-Sac Sprinkler-In Ground
Water Source Public
Lot Size Area 0.95
Road Surface Type Paved
Road Responsibility Public Maintenance
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* Excluded Features
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Affordability Calculator

$4,712
Per Month
90%
10%
0%
Monthly Principal & Interest
$4,245
Monthly Property Taxes
$467
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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.
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Nearby
1845741 Elementary School
1840885 Middle School
Central High School High School
Pricing History
DatePricePrice ChangeDescription
4/24/2026$689,500 Listed Price

Map


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3204 Harbor View Dr N/A, Saint Joseph, MO, 64506 is a Single Family Home for sale at $689,500 with 4,149 sqft and a lot size of 0.95. 3204 Harbor View Dr N/A has 5 bedrooms, 3.1 baths, and was built in 2002. The property's zip code is 64506 which is in Saint Joseph, MO