See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1401 Colonial Dr, Saint Charles, MO, 63304

3beds
3baths
1,993sqft
$415,000
$208price/sqft
$2,875/moest. monthly cost
$115,000/yrincome needed

About This Home

This meticulously maintained home was built in 2014 and has had only one owner. The seller is leaving this beauty in move-in ready condition only to downsize. From the moment you step through the front door, you’ll think it’s professionally staged—but this is simply how it’s lived in every day. Designed for both comfortable everyday living and effortless entertaining, the spacious floor plan offers room for a growing family or welcoming out-of-town guests. The main level features a desirable primary suite and convenient main-floor laundry. Tinted living room windows provide added comfort and privacy. Living room window treatments will remain with the home. Situated on a desirable corner lot, the exterior is just as impressive with a rear-entry two-car garage, fenced backyard and in-ground sprinkler system. A section of the patio was lifted June 2026. Once outside, outside, enjoy immediate access to the walking and biking trail located right in front of the home. If shopping and restaurants are your thing, or golf and parks, this home is screaming your name! A short drive in any direction will surely lead you to your favorite places! Additional updates include a 5-year-old roof, dishwasher replaced approximately 4–5 years ago, and microwave replaced approximately 3 years ago. The unfinished lower level offers endless possibilities with an egress window, sump pit and pump, rough-in plumbing for a full bath, and abundant storage space. A home this well cared for is a rare find. Schedule your private showing today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Warren Elementary SchoolGrades K-51.0 mi
7/10
Saeger Middle SchoolGrades 6-81.2 mi

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Ice Maker,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Cathedral Ceiling(s),Ceiling Fan(s),Walk-In Closet(s)
  • Finished area above ground: 1,993

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,993
  • Total interior livable area: 1,993 sqft

Property

Details

  • Parcel number: 30018A108001401.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Patio,Side Porch
  • Fencing: Fenced,Vinyl

Lot

  • Lot size: 4,791 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Rear
  • 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

  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado

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 $2,098$25,176
Home Insurance *$259$3,108
Property Taxes $366$4,392
Electricity $152$1,826
Total$2,875$34,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,571/yr
40% on housing$86,250/yr
45% on housing$76,666/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$188
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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
2026-07-16Listed for sale$415,000
2015-01-05Sold--

For Sale by Agent

AgentCathy Fronick
BrokerageMid America Property Partners

Similar Homes