3515 Truman Terrace Dr #65, Saint Charles, MO, 63301
About This Home
Welcome to desirable Truman Terrace Villas in St Charles, MO. This beautifully maintained walk-out villa offers over 2500 sq feet of finished living space with 3 bedrooms and 3 full baths, combining the convenience of low-maintenance living with the spacious-ness of a single family home. Step inside to discover vaulted ceilings, gleaming hardwood floors, and an abundance of natural light throughout the open-concept main living area. The spacious great room features dramatic wall of windows overlooking a peaceful wooded backdrop, creating a warm and inviting atmosphere. The bright kitchen offers ample oak cabintry, generous counter space, with an adjoining breakfast room. Just beyond, relax year-round in the 3 season porch, the perfect spot for morning coffee or evening unwinding while enjoying a private wooded view. The main level includes a spacious primary suite with private bath, a second bedroom and additional full bath and convenient main floor laundry. Outside, enjoy a covered patio beneath the porch and a private setting rarely found in villa communities. Professional Photos will be uploaded.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Roof: Architectural Shingle
- Construction materials: Brick Veneer,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch,Ranch,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Built-In Electric Oven,Built-In Refrigerator
- Laundry features: Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Concrete,Finished,Storage Space,Sump Pump,Walk-Out Access
Bedroom2
- Features: Floor Covering: Wood
- Level: Main
Bedroom3
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 2
Breakfast Room
- Features: Floor Covering: Wood
- Level: Main
Family Room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
Features
- Breakfast Room,Central Vacuum,Custom Cabinetry,Dining/Living Room Combo,Double Vanity,In-Law Floorplan,Natural Woodwork,Open Floorplan,Separate Shower,Soaking Tub,Storage
- Window features: Bay Window(s),Blinds,Insulated Windows,Stained Glass
- Number of fireplaces: 1
- Fireplace features: Basement,Family Room,Gas
- Fireplace: Yes
- Finished area below ground: 1,167
- Finished area above ground: 1,539
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,706
- Total interior livable area: 2,706 sqft
Kitchen
- Features: Floor Covering: Vinyl
Laundry
- Level: First
Living Room
- Features: Floor Covering: Wood
- Level: Main
Primary Bedroom
- Features: Floor Covering: Wood
Property
Details
- Parcel number: 600168219000065.0000000
- Attached to another structure: Yes
- Special condition: Standard
Features
- Levels: One
- Patio & porch: Covered,Enclosed,Front Porch,Patio
Lot
- Lot size: 3,841 sqft
- Features: Adjoins Common Ground,Adjoins Open Ground,Few Trees,Gentle Sloping,Irregular Lot,Landscaped
Parking
- Total spaces: 2
- Parking features: Garage
- 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
- Strong Wind
- Tornado
- Cold Wave
- Earthquake
- Heat Wave
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,870 | $22,440 |
| Home Insurance * | $215 | $2,580 |
| Property Taxes | $326 | $3,912 |
| Electricity | $206 | $2,479 |
| Total | $2,617 | $31,404 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-17 | Price change | $369,900 |
| 2026-06-23 | Listed for sale | $389,900 |
| 2023-03-03 | Sold | -- |
| 2023-02-20 | Pending sale | $274,500 |
| 2023-02-04 | Listed for sale | $274,500 |
View on Zillow