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237 Saint Andrews Dr, Saint Albans, MO, 63073

5beds
5baths
3,813sqft
$1,179,900
$309price/sqft
$7,539/moest. monthly cost
$301,560/yrincome needed

About This Home

Get Ready for Golfing, Pickleball, Tennis, Swimming--you can have all the summertime fun with this Beautiful Home in Cedars Valley in St. Albans. Why wait months for new construction when you can move right into this gorgeous brick and stone, custom designed and upgraded, Gruchalla & Cover home. Compared to the standard builder models to be built in this area, your dollar will certainly go further here in this large home with 4216 sq ft on main and upper floors. As you turn off the main road onto a secluded drive with private entrance, you will see your new home nestled on an expansive hilltop 1.26 acre lot with plenty of mature trees providing further privacy. Enjoy the view of your lot from your 2 story great room with a wall of windows. Whip up culinary creations in the kitchen with newer appliances 2024, Corian countertops, 42" solid Cherry cabinets, and custom tile flooring for easy maintenance. The primary suite with bay window is your respite from a busy world with the adjoining luxury bath with large soaking tub for relaxation, marble shower, and his & hers walk-in closets! Work from home or entertain important clients in your spacious main floor office with a full wall of floor to ceiling built-in bookcases. Lovely formal dining room with gorgeous moldings and hardwood flooring for those family gatherings, and cozy up next to the fireplace in the breakfast room while you watch the chef of the home prepare those gourmet meals! In addition to 3 spacious upper level bedrooms(and two full baths), there is an additional full suite on the main floor. This is a unique feature perfect for extra guests or family members that need one floor living. Dreaming of a Wine Cellar, entertainment area, or another space to get away to? The 3000 sq ft walk-out basement with 10' pour, floor to ceiling windows for exceptional natural lighting, and a full rough-in is waiting for your personal finish! Lovingly maintained by the original owners, it has many updates/upgrades for a worry-free exterior; newly stained and sealed cedar shake roof, new gutter guards, new exterior paint, inground sprinkler, Pella windows throughout, some newer carpeting hallway and stairs upper floor 2026; see the additional features attachment...the list goes on!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

8/10
Labadie Elementary SchoolGrades PK-66.8 mi
5/10
Washington Middle SchoolGrades 7-814.1 mi
7/10
Washington High SchoolGrades 9-1214.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1993

Materials

  • Roof: Shake
  • Construction materials: Brick,Frame,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Microwave,Built-In Gas Oven,Refrigerator,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Bookcases,Breakfast Room,Cathedral Ceiling(s),Ceiling Fan(s),Central Vacuum,Crown Molding,Custom Cabinetry,High Ceilings,High Speed Internet,Pantry,Separate Dining,Separate Shower,Soaking Tub,Solid Surface Countertop(s),Two Story Entrance Foyer,Walk-In Closet(s)
  • Window features: Bay Window(s),Double Pane Windows,Insulated Windows,Screens,Skylight(s)
  • Flooring: Carpet,Ceramic Tile,Hardwood,Marble
  • Number of fireplaces: 2
  • Fireplace features: Double Sided,Glass Doors,Kitchen,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,216

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,813
  • Total interior livable area: 3,813 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Central Living Area,Accessible Full Bath

Details

  • Parcel number: 0810200003036000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Deck,Front Porch

Lot

  • Lot size: 1.26 Acres
  • Features: Gentle Sloping

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
Ice Storm
Landslide
Lightning

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
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 $5,966$71,592
Home Insurance *$565$6,780
Property Taxes $717$8,604
Electricity $291$3,494
Total$7,539$90,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$258,480/yr
40% on housing$226,170/yr
45% on housing$201,040/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 63073$344
Franklin County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 63073$227
Franklin County$160

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
2026-05-13Listed for sale$1,229,900
2026-02-08Listing removed$1,125,000
2025-11-14Listed for sale$1,125,000

For Sale by Agent

AgentCara V Dalton-Larue
BrokerageDalton Appraisal Services

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