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20 Sandalwood Ct, Saint Charles, MO, 63304

5beds
3baths
2,552sqft
$425,000
$167price/sqft
$2,983/moest. monthly cost
$119,320/yrincome needed

About This Home

Welcome home to this spacious and beautifully designed 1.5 story home offering 5 bedrooms and 3 full bathrooms, with a versatile floor plan to fit a variety of lifestyles! The main-level primary suite is a true retreat, featuring two walk-in closets and a private ensuite bath. Also on the main floor is an oversized second bedroom with its own walk-in closet, perfect as a guest suite, mother-in-law quarters, home office, or flex space to suit your needs. 2 oversized bedrooms on the main level!!! Upstairs, you'll find three generously sized bedrooms, providing plenty of room for family, guests, or hobbies. Step outside to your own private backyard oasis! Enjoy the in-ground pool, fully fenced yard, and ample outdoor space that's perfect for entertaining, summer gatherings, or simply relaxing in your own private retreat. With spacious living areas, flexible room options, and exceptional outdoor amenities, this home offers comfort, functionality, and endless possibilities. Schedule your private showing today! Motivated Seller, Bring your offers.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
9/10
Bryan Middle SchoolGrades 6-84.8 mi

Construction

Condition

  • Year built: 1977

Materials

  • Construction materials: Other

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bathroom2

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 180
  • Dimensions: 18x10

Bathroom3

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 140
  • Dimensions: 14x10

Bathroom4

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 140
  • Dimensions: 14x10

Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 266
  • Dimensions: 19x14

Bedroom5

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 228
  • Dimensions: 19x12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,552

Heating & Cooling

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

Interior Area

  • Total structure area: 2,552
  • Total interior livable area: 2,552 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 285
  • Dimensions: 19x15

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 299
  • Dimensions: 23x13

Property

Details

  • Parcel number: 300155212000003.0000000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Fencing: Back Yard

Lot

  • Lot size: 0.32 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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 WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
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 $2,149$25,788
Home Insurance *$265$3,180
Property Taxes $375$4,500
Electricity $194$2,338
Total$2,983$35,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,274/yr
40% on housing$89,490/yr
45% on housing$79,546/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

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$189
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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
2026-08-05Price change$400,000
2026-07-15Price change$425,000
2026-07-08Listed for sale$440,000
1998-03-12Sold--

For Sale by Agent

AgentRobin O Spraggins
BrokerageKeller Williams Realty West

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