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42 Heather Valley Cir, Saint Peters, MO, 63376

3beds
3baths
2,419sqft
$359,900
$149price/sqft
$2,536/moest. monthly cost
$101,440/yrincome needed

About This Home

All big ticket items already taken care of. Pride of ownership shines in this meticulously maintained 3-bedroom, 3-bathroom home! Nestled in the award-winning Fort Zumwalt School District, this property is centrally located near premier shopping, dining, and major thoroughfares. From the curb, you’ll immediately notice the pristine yard and a gated, extended driveway perfect for trailer or RV parking. Step inside to an inviting, open-concept living area featuring gleaming flooring, solid-surface countertops, and convenient main-floor laundry. The main level hosts three spacious bedrooms—all equipped with ceiling fans—and two beautifully updated bathrooms. More space awaits downstairs: The finished lower level boasts a massive recreation and entertaining room, a third full bath, and two versatile sleeping rooms (perfect for guests, a home office, or a gym). Outdoor living at its best: Relax in the 3-season room situated just behind the extra-deep garage. Plus, a powered storage shed keeps your garage completely clutter-free. This turn-key gem truly has it all!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10
8/10

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: Batts Insulation,Blown-In Insulation,Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Plumbed For Ice Maker,Microwave,Electric Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full,Sleeping Area

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),Center Hall Floorplan,Kitchen/Dining Room Combo
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,075
  • Finished area above ground: 1,344

Heating & Cooling

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

Interior Area

  • Total structure area: 2,419
  • Total interior livable area: 2,419 sqft

Property

Details

  • Parcel number: 201095198000338.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened

Lot

  • Lot size: 9,361 sqft
  • Features: Back Yard,Few Trees,Front Yard,Level

Parking

  • Total spaces: 2
  • Parking features: Concrete,Covered,Driveway,Garage,Garage Door Opener,RV Access/Parking,RV Gated
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
Earthquake
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 $1,819$21,828
Home Insurance *$216$2,592
Property Taxes $317$3,804
Electricity $184$2,216
Total$2,536$30,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,948/yr
40% on housing$76,080/yr
45% on housing$67,626/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

$149This 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
2026-08-09Pending sale$359,900
2026-07-23Listed for sale$359,900
2009-05-15Sold--

For Sale by Agent

AgentJeffrey L Harger
BrokerageReeceNichols Real Estate

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