1440 Heritage Lndg #105, Saint Charles, MO, 63303
About This Home
Welcome to this inviting 2-bedroom, 2-bathroom garden-level condo in the Heritage Garden community of St. Charles, conveniently located near MO-364 and Highway 94 with easy access to shopping, dining, parks, and everyday amenities. Enjoy peaceful pond views from the patio just off the living room—perfect for morning coffee, duck-watching, or unwinding at the end of the day. The primary bedroom also opens to a private screened porch, offering another quiet spot to relax. Inside, the 1,146-square-foot floor plan features an open living and dining area with a gas fireplace (never used by the seller) and a functional kitchen with abundant cabinet and counter space. The spacious primary suite includes a large ensuite bathroom with a soaking tub, separate shower, and three closets—two in the bedroom and one in the bathroom. Additional highlights include a newer HVAC system and an in-unit washer and dryer (as-is) that remain with the home, one assigned covered parking space, guest parking, and a private storage unit. Whether you're looking for low-maintenance living, a convenient location, or a home you can personalize over time, this condo is ready for its next owner. The property is being sold as-is, in its current condition, presenting an excellent opportunity for buyers to add their own personal touches over time. All kitchen appliances including refrigerator and washer & dryer to remain. Schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1984
Materials
- Construction materials: Brick Veneer,Vinyl Siding
Type & Style
- Home type: Condo
- Architectural style: Other
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Built-In Electric Range,Refrigerator,Washer,Gas Water Heater
Basement
- Basement: Storage Space
Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Dining Room
- Features: Floor Covering: Carpeting
- Level: Main
Features
- Dining/Living Room Combo,Entrance Foyer,Shower,Soaking Tub,Storage
- Door features: Atrium Door(s)
- Window features: Window Coverings
- Flooring: Carpet
- Number of fireplaces: 1
- Fireplace features: Living Room,Wood Burning
- Fireplace: Yes
- Finished area above ground: 1,146
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Gas
Interior Area
- Total structure area: 1,146
- Total interior livable area: 1,146 sqft
Kitchen
- Features: Floor Covering: Ceramic Tile
- Level: Main
Living Room
- Features: Floor Covering: Carpeting
- Level: Main
Primary Bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
Primary Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
Property
Details
- Parcel number: 3001166180700030000000
- Special condition: Listing As Is
Features
- Levels: One
- Exterior features: Lighting
- Fencing: None
- Has view: Yes
- View description: Pond
- Water view: Pond
Lot
- Features: Other
Parking
- Total spaces: 1
- Parking features: Additional Parking,Carport,Parking Lot
- Covered spaces: 1
- Carport: Yes
- Carport spaces: 1
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
- Strong Wind
- Cold Wave
- Hail
- Heat Wave
- Lightning
- 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 | $631 | $7,572 |
| Home Insurance * | $73 | $876 |
| Property Taxes | $110 | $1,320 |
| Electricity | $141 | $1,693 |
| Total | $955 | $11,460 |
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 |
|---|---|---|
| 2026-08-17 | Price change | $114,955 |
| 2026-08-05 | Price change | $119,955 |
| 2026-07-22 | Listed for sale | $124,955 |
| 2016-10-26 | Sold | -- |
| 2016-09-10 | Pending sale | $92,500 |
| 2016-09-03 | Listed for sale | $92,500 |
| 2014-11-07 | Sold | -- |
| 2014-07-30 | Listed for sale | $49,900 |
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