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122 Winter Wheat Trl, Pacific, MO, 63069

4beds
3baths
2,748sqft
$425,000
$155price/sqft
$2,938/moest. monthly cost
$117,520/yrincome needed

About This Home

Built in 2023, this Pacific 2-story offers a layout designed for real life, with space to gather, work, and relax. Just off the foyer, a private study and formal dining room provide flexible options for everyday living or hosting. The kitchen, breakfast area, and great room connect seamlessly to create the heart of the home. Granite countertops, a center island, pantry, and abundant cabinetry make the kitchen both functional and inviting. Upstairs, the oversized primary suite features a walk-in closet and private full bath, along with 3 additional bedrooms, a shared full bath, and a spacious loft. The unfinished walk-out lower level offers storage or future living space. Outside, enjoy a fenced backyard and covered deck—perfect for morning coffee or weekend gatherings. Main-floor laundry and a 2-car garage add everyday convenience. Located with convenient access to Hwy 44, this home offers an easy commute from areas like Fenton and Arnold while being close to local dining, shopping, and everyday conveniences. Enjoy nearby outdoor activities like fishing and hiking, with weekend trips to St. James wineries just a short drive away. Come see your new home today!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

7/10
6/10
Riverbend SchoolGrades 7-80.3 mi
3/10
Pacific High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2023

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump,Unfinished,Walk-Out Access

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes
  • Finished area above ground: 2,748

Great Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,748
  • Total interior livable area: 2,748 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Loft

  • Features: Floor Covering: Carpeting
  • Level: Upper

Office

  • Features: Floor Covering: Carpeting
  • Level: Main

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper

Property

Details

  • Parcel number: 1961400035319000
  • Special condition: Standard

Features

  • Levels: Two
  • Fencing: Fenced

Lot

  • Lot size: 0.34 Acres
  • Features: Gentle Sloping,Level
  • Lot size dimensions: 90 x 170

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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $2,149$25,788
Home Insurance *$322$3,864
Property Taxes $258$3,096
Electricity $209$2,518
Total$2,938$35,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,731/yr
40% on housing$88,140/yr
45% on housing$78,346/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 63069$246
Franklin County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 63069$178
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
2026-05-07Listed for sale$439,900
2026-05-07Listing removed$459,900
2026-04-17Price change$459,900
2026-03-31Price change$469,900
2026-03-15Listed for sale$479,000
2023-03-16Sold--
2022-04-15Listing removed--
2022-02-04Price change$353,990
2022-01-13Price change$350,990
2021-08-16Price change$346,990
2021-05-11Listed for sale$341,990

For Sale by Agent

AgentJosh Voyles
BrokerageKeller Williams Realty St. Louis

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