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27 Michelle Ln, Saint Peters, MO, 63376

3beds
2baths
2,282sqft
$320,000
$140price/sqft
$2,266/moest. monthly cost
$90,640/yrincome needed

About This Home

Rare St. Peters Find! Welcome home to exceptional value, thoughtful updates, and a location to love. This 3 Bed 2 Bath home is ready for you to move right in. It will welcome you in with its large entryway that opens to the living/dining room which connects to the eat in kitchen. The kitchen boast white cabinets, tile backsplash, large sink, and LVP flooring. After dinner you can relax in the spacious family room with a cozy fireplace or step out to the screened in porch to enjoy the beautiful backyard. When it's time to retire you will enjoy your bedroom with brand new carpet. When it's friends and family time you will enjoy your finished basement with an amazing bar and a warm wood burning fireplace. The basement also has a good space for game time and an extra sleeping space. When outside you will enjoy a large backyard space and some beautiful gardens along with a handsome storage shed. The 2 car garage with a door to the inside and a door to the outside provides easy access to both and offers great protection for those bad weather days. Come check it out today and see if its a fit for you.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1972

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Oven,Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Bar
  • Door features: Panel Door(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Luxury Vinyl,Other
  • Number of fireplaces: 2
  • Fireplace features: Basement,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,272

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric,Whole House Fan

Interior Area

  • Total structure area: 2,282
  • Total interior livable area: 2,282 sqft

Property

Details

  • Parcel number: 200634597000164.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Patio,Screened
  • Fencing: Back Yard

Lot

  • Lot size: 0.25 Acres
  • Features: Back Yard,Level

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Attached,Garage,Garage Faces Front,Off Street
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Tornado
Inland Flooding
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 $1,618$19,416
Home Insurance *$192$2,304
Property Taxes $282$3,384
Electricity $174$2,091
Total$2,266$27,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,691/yr
40% on housing$67,980/yr
45% on housing$60,426/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

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 63376$170
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63376$178
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)

No zestimate history available

Price History

DateEventPrice
2026-08-08Pending sale$325,000
2026-08-06Listed for sale$325,000
2012-12-14Sold--
2012-11-03Pending sale$138,000
2012-11-02Listed for sale$138,000
2006-08-21Sold--

For Sale by Agent

AgentDaryl Butler
BrokerageColdwell Banker Realty - Gundaker

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