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3128 Timberlodge Lndg, Saint Charles, MO, 63301

3beds
3baths
1,452sqft
$325,000
$224price/sqft
$2,260/moest. monthly cost
$90,400/yrincome needed

About This Home

Don't miss this awesome 2 story home with hardwood floors throughout the main level, loft, full fenced back yard, new roof 2025 and 3bdrms/2.5 baths, located in Charlestowne, in the desirable Orchard Farm School District! All within walking distance of the community fishing pond, pavillion and playground! You will love the open floor plan with spacious great room, open to the dining area and kitchen, with lots of windows for so much natural light! The kitchen offers 42" cabinets w/slide out shelves, stainless appliances, including smooth top stove, tile backsplash, plus breakfast bar and pantry! Sliding glass door in the dining room leads you to a fully fenced, nicely maintained backyard with patio, perfect for your pets and to enjoy fun outside! Powder room on main level for your guests! Upper level offers new carpet (2025) and loft area, plus 3 large bedrooms, all with walk in closets and ceiling fans, including an oversized primary bedroom with ensuite private full bath. Adult height vanities in both bathrooms upstairs. Lower level offers lots of extra space for additional finished, including an egress window, if you want to add another bedroom in the future! 2 car garage. These homes go fast so don't delay! Showings start Friday July 10.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

8/10
6/10
6/10

Construction

Condition

  • Year built: 2013

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 88
  • Dimensions: 11x8

Features

  • Flooring: Carpet,Hardwood
  • Finished area above ground: 1,452

Great Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,452
  • Total interior livable area: 1,452 sqft

Kitchen

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 150
  • Dimensions: 15x10

Loft

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 108
  • Dimensions: 12x9

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 240
  • Dimensions: 16x15

Property

Details

  • Parcel number: 5116CA00300061A.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Fencing: Back Yard

Lot

  • Lot size: 3,484 sqft
  • Features: Back Yard,Level
  • Lot size dimensions: 36 x 100 x 36 x 100

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,643$19,716
Home Insurance *$189$2,268
Property Taxes $287$3,444
Electricity $141$1,693
Total$2,260$27,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,485/yr
40% on housing$67,800/yr
45% on housing$60,266/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 63301$187
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63301$195
St. Charles County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-22Price change$325,000
2026-07-09Listed for sale$329,900
2024-07-11Sold--
2024-06-04Pending sale$300,000
2024-05-30Listed for sale$300,000

For Sale by Agent

AgentLisa M Adkins
BrokerageRE/MAX Platinum

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