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301 Ridgewood Ct, Farmington, MO, 63640

5beds
4baths
3,215sqft
$430,000
$134price/sqft
$3,041/moest. monthly cost
$121,640/yrincome needed

About This Home

Spacious 5 bed, 3.5 bath home offering approximately 3,200 finished sq ft on 3 acres. The main level features a spacious kitchen with stainless appliances and center island that flows into inviting living spaces, including a welcoming living room, a cozy family room perfect for gathering, and a dining area ideal for hosting family meals or entertaining guests, along with a convenient half bath. Upstairs you’ll find the primary suite, three additional bedrooms, and a full bath. The walk-out basement provides excellent additional living space—perfect for a second family room, playroom, or recreation area—plus an extra bedroom and full bath. Additional highlights include hardwood floors throughout and new siding in 2023. Enjoy the outdoors from the covered front porch or the expansive back deck overlooking the fenced in backyard. Located just a short drive to town, this move-in ready home offers space, comfort, and convenience for the whole family.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
6/10
Farmington Middle SchoolGrades 7-85.0 mi
5/10

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Sleeping Area,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Ceiling Fan(s),Kitchen Island,Separate Dining
  • Door features: French Doors
  • Window features: Tilt-In Windows
  • Fireplace features: None
  • Finished area below ground: 980
  • Finished area above ground: 2,235

Heating & Cooling

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

Interior Area

  • Total structure area: 3,215
  • Total interior livable area: 3,215 sqft

Property

Details

  • Parcel number: 091012000000001.30
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Front Porch,Patio,Porch
  • Exterior features: Private Yard
  • Fencing: Back Yard,Chain Link

Lot

  • Lot size: 3 Acres
  • Features: Back Yard,Front Yard,Level,Open Lot
  • Lot size dimensions: 3 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Driveway,Garage,Garage Door Opener,Garage Faces Side,Off Street
  • 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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Tornado

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 $2,174$26,088
Home Insurance *$397$4,764
Property Taxes $225$2,700
Electricity $245$2,946
Total$3,041$36,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,262/yr
40% on housing$91,230/yr
45% on housing$81,093/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 63640$216
St. Francois County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 63640$146
St. Francois County$143

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$430,000
2026-06-22Price change$440,000
2026-06-06Listed for sale$449,900
2026-05-13Listing removed$459,900
2026-05-08Listed for sale$459,900

For Sale by Agent

AgentGeoffrey S McDowell
BrokerageSwinford Realty, LLC

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