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968 Ridgepointe Place Cir, Lake Saint Louis, MO, 63367

4beds
4baths
2,904sqft
$450,000
$155price/sqft
$3,118/moest. monthly cost
$124,720/yrincome needed

About This Home

A new and improved price & a motivated seller!! Don’t miss out! Built in 2017, this spacious 4 bedroom home offers over 2,800 square feet of comfortable living space with a layout that truly works for everyday life. The main floor primary suite features a walk-in closet with a custom closet system and a private ensuite bath with dual sinks plus a separate tub and shower. Main floor laundry is conveniently located just off the two-car front entry garage. The kitchen is both inviting and functional with stainless steel appliances, granite countertops, a pantry, and a separate dining area perfect for gatherings. A custom wood feature wall in the foyer makes a great first impression, while the two story family room is filled with natural light and features a gas fireplace and custom remote controlled window treatments. Upstairs you will find two additional bedrooms including one with a walk-in closet, a full bath, and a loft space currently used as an office that could easily become a playroom or TV room. The finished lower level adds even more living space with a fourth bedroom featuring an egress window and a custom closet system, a full bath with access from both the bedroom and family room, a large family room with a wet bar, and plenty of storage. Basement cabinetry matches the kitchen, and the space is equipped with a sump pump. Major updates include a new roof replaced in December of 2023. With flexible spaces, thoughtful upgrades, and move in ready condition, this home checks all the boxes.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
7/10
9/10
Timberland High SchoolGrades 9-129.8 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick Veneer,Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Dryer,Microwave,Electric Oven,Electric Range,Washer,Gas Water Heater
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Full,Sleeping Area,Storage Space,Sump Pump

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 132
  • Dimensions: 12x11

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 272
  • Dimensions: 16x17

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Family Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 345
  • Dimensions: 23x15

Family Room

  • Features: Floor Covering: Vinyl
  • Level: Lower
  • Area: 391
  • Dimensions: 23x17

Features

  • Breakfast Bar,Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Granite Counters,High Ceilings,Kitchen Island,Open Floorplan,Master Downstairs,Separate Dining,Separate Shower,Soaking Tub,Walk-In Closet(s),Wet Bar
  • Door features: Panel Door(s)
  • Window features: Blinds,Insulated Windows,Screens,Window Coverings
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 630
  • Finished area above ground: 2,274

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,904
  • Total interior livable area: 2,904 sqft

Kitchen

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 240
  • Dimensions: 15x16

Laundry

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 77
  • Dimensions: 11x7

Loft

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 224
  • Dimensions: 14x16

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 272
  • Dimensions: 16x17

Property

Details

  • Parcel number: 40059A040000125.0000000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Exterior features: Private Yard
  • Fencing: None
  • Frontage length: 53

Lot

  • Lot size: 6,181 sqft
  • Features: Landscaped
  • Lot size dimensions: 53 x 119

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Door Opener,Garage Faces Front,Inside Entrance,Kitchen Level,Secured
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $2,275$27,300
Home Insurance *$225$2,700
Property Taxes $397$4,764
Electricity $221$2,661
Total$3,118$37,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,902/yr
40% on housing$93,540/yr
45% on housing$83,146/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 63367$182
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63367$184
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
2026-05-06Price change$505,000
2026-03-21Price change$515,000
2026-01-29Listed for sale$525,000
2022-02-18Sold--
2022-01-20Pending sale$489,900
2021-12-24Price change$489,900
2021-11-12Listed for sale$499,900
2017-08-01Sold--
2016-12-09Price change$344,759
2016-12-09Pending sale$280,200
2016-12-08Listed for sale$280,200
2015-09-11Sold--
2015-08-18Pending sale$347,144
2015-08-18Listed for sale$347,144
2013-07-09Listing removed$265,543
2013-07-06Listed for sale$265,543

For Sale by Agent

AgentCarrie M Neill
BrokerageBerkshire Hathaway HomeServices Select Properties

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