365 Kreder Ridge Cir, Saint Charles, MO, 63304
About This Home
Welcome to this beautifully crafted 1.5-story home offering the perfect blend of modern design and everyday comfort. Built in 2024, this home feels brand new and features high-end finishes, thoughtful details, and an open, airy layout ideal for both relaxing and entertaining. The main level showcases a spacious living area filled with natural light, seamlessly flowing into a stylish kitchen complete with sleek cabinetry, premium appliances, and a large center island. The main-floor primary suite provides a private retreat with a luxurious ensuite bath and generous closet space. Upstairs, you’ll find additional bedrooms and flexible living space—perfect for guests, a home office, or a growing family. Brick Front. Every inch of this home has been designed with functionality and style in mind. Enjoy the benefits of new construction without the wait, plus modern systems for efficiency and peace of mind. Whether you're hosting or unwinding, this home offers the space and sophistication you've been looking for. 4500+ sq ft of living space. Open Floor Plan. Lots of Natural light. Upgraded kitchen with solid surface counter tops. 5 burner gas stove, butler space and large pantry, stainless steel appliances, cellular shades. Sunroom for entertaining. Hearth Room with 5 built in speakers and Cat6A wiring installed. Main Floor Primary Bedroom with tray ceiling. Primary bath with dual vanity, soaker tub and walk-in shower. Partially Finished lower level with bedroom and full bath. Central vacuum system throughout house. Main floor laundry, utility sink. LVP upgraded flooring in kitchen and bathrooms. 3 car garage. Security system. Front of the home faces North.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Foundation: Concrete Perimeter
- Roof: Architectural Shingle
- Construction materials: Brick,Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Concrete,Finished,Full,Sleeping Area,Storage Space,Sump Pump
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Open Floorplan,Separate Dining,Separate Shower
- Number of fireplaces: 1
- Fireplace features: Gas,Living Room
- Fireplace: Yes
- Finished area below ground: 893
- Finished area above ground: 4,286
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Dual
Interior Area
- Total structure area: 4,983
- Total interior livable area: 4,983 sqft
Property
Details
- Parcel number: 30036D37900011A.0000000
- Special condition: Standard
Features
- Levels: Two
- Patio & porch: Covered
Lot
- Lot size: 9,944 sqft
- Features: Back Yard,Front Yard
Parking
- Total spaces: 3
- Parking features: Garage - Attached
- 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
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- 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 | $4,399 | $52,788 |
| Home Insurance * | $544 | $6,528 |
| Property Taxes | $768 | $9,216 |
| Electricity | $380 | $4,566 |
| Total | $6,091 | $73,092 |
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 |
|---|---|---|
| 2026-04-22 | Listed for sale | $925,000 |
View on Zillow