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415 Filipp Ln, Lake Saint Louis, MO, 63367

4beds
3baths
3,126sqft
$615,000
$197price/sqft
$4,198/moest. monthly cost
$167,920/yrincome needed

About This Home

Welcome to this stunning two-story Carlyle floor plan, built by McKelvey Homes and nestled in the highly sought-after Wyndemere Estates neighborhood. Located on a quiet cul-de-sac street with no through traffic, this home offers both privacy and a true sense of community. Step inside to an open-concept layout featuring luxury vinyl plank flooring throughout, no carpet anywhere! The upgraded kitchen is the heart of the home, complete with beautiful quartz countertops, an oversized island perfect for entertaining, and modern finishes that elevate the space. Cozy up by the gas fireplace or host gatherings in the elegant formal dining room. A dedicated office with custom barn doors provides the perfect work-from-home setup, while the loft upstairs offers endless possibilities, ideal as a game room, playroom, or additional living space. Retreat to the primary suite, where you’ll find a spa-like bathroom designed for relaxation and comfort. Outside, enjoy a fully fenced backyard with an irrigation system, making maintenance a breeze and providing the perfect space for kids, pets, or entertaining. This home truly has it all, style, function, and an unbeatable location.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Duello Elementary SchoolGrades K-51.4 mi
10/10
Frontier Middle SchoolGrades 6-81.6 mi
9/10
Liberty High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Gas Cooktop,Dishwasher,Disposal,Microwave,Built-In Electric Oven,Refrigerator,Oven
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Full,Sump Pump,Unfinished

Bedroom2

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Bedroom3

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Upper
  • Area: 168
  • Dimensions: 14x12

Bedroom4

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Second
  • Area: 169
  • Dimensions: 13x13

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
  • Area: 156
  • Dimensions: 13x12

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Features

  • Door features: French Doors,Panel Door(s)
  • Flooring: Ceramic Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,126

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,126
  • Total interior livable area: 3,126 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Laundry

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 104
  • Dimensions: 13x8

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 360
  • Dimensions: 20x18

Loft

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Second
  • Area: 270
  • Dimensions: 18x15

Office

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Primary Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Second
  • Area: 418
  • Dimensions: 22x19

Property

Details

  • Parcel number: 40037C389000053.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard,Fenced,Full

Lot

  • Lot size: 9,347 sqft
  • Features: Level

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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood

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 $3,109$37,308
Home Insurance *$308$3,696
Property Taxes $543$6,516
Electricity $238$2,864
Total$4,198$50,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,931/yr
40% on housing$125,940/yr
45% on housing$111,946/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 63367$181
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63367$184
St. Charles County$182

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
2026-04-14Price change$615,000
2026-03-12Price change$619,990
2026-03-04Listing removed$3,800
2026-02-25Listed for rent$3,800
2026-01-23Listed for sale$625,000
2026-01-18Listing removed$625,000
2025-11-19Listed for sale$625,000
2021-04-29Sold--
2021-03-23Pending sale$507,690
2021-03-18Price change$507,690
2021-01-13Listed for sale$494,722

For Sale by Agent

AgentMadison Hayes
BrokerageBerkshire Hathaway HomeServices Select Properties

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