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1308 Summergate Pkwy, Saint Charles, MO, 63303

2beds
2baths
1,490sqft
$200,000
$134price/sqft
$1,445/moest. monthly cost
$57,800/yrincome needed

About This Home

Beautiful updates, extra living space, and peaceful views make this Summergate townhome one to watch! Offering nearly 1,500 finished square feet, this 2-story home features an inviting layout with spacious living and dining areas, an updated kitchen with stainless steel appliances, breakfast bar, and abundant cabinet space. Step outside to your private deck overlooking common ground—the perfect place to enjoy your morning coffee or unwind at the end of the day. Upstairs you'll find two generously sized bedrooms, including a primary suite with dual closets, along with beautifully updated bathrooms that add a fresh, modern touch. The finished lower level is ready to impress with a custom entertaining bar and versatile rec room perfect for game nights, movie marathons, or cheering on your favorite team. Low-maintenance living, low HOA fees, and a fantastic location close to shopping, dining, parks, and major commuter routes complete the package. More photos and details coming soon—you won't want to miss this one!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
9/10
Barnwell Middle SchoolGrades 6-80.8 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick Veneer

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Electric Water Heater,Wine Refrigerator
  • Laundry features: Main Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Sump Pump

Bedroom2

  • Level: Second
  • Area: 192
  • Dimensions: 16x12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Features

  • Bar,Breakfast Bar,Breakfast Room,Ceiling Fan(s),Crown Molding,Dry Bar,Eat-in Kitchen,Kitchen/Dining Room Combo,Recessed Lighting,Shower,Storage,Tub
  • Door features: Panel Door(s),Sliding Doors,Storm Door(s)
  • Finished area above ground: 1,280

Heating & Cooling

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

Interior Area

  • Total structure area: 1,490
  • Total interior livable area: 1,490 sqft

Kitchen

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Laundry

  • Level: Main
  • Area: 48
  • Dimensions: 8x6

Living Room

  • Level: Main
  • Area: 247
  • Dimensions: 19x13

Primary Bedroom

  • Level: Second
  • Area: 221
  • Dimensions: 17x13

Recreation Room

  • Level: Basement
  • Area: 570
  • Dimensions: 30x19

Property

Details

  • Parcel number: 300155631080003.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck

Lot

  • Lot size: 640.33 sqft
  • Features: Level

Parking

  • Parking features: Asphalt,Assigned

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

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Strong Wind
Tornado
Earthquake
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 $1,011$12,132
Home Insurance *$117$1,404
Property Taxes $176$2,112
Electricity $141$1,693
Total$1,445$17,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,542/yr
40% on housing$43,350/yr
45% on housing$38,533/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

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 63303$195
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63303$158
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
2026-08-10Pending sale$200,000
2026-08-06Listed for sale$200,000
2022-09-14Sold--
2022-08-04Pending sale$165,000
2020-11-09Sold--
2020-10-11Pending sale$145,000
2020-10-09Listed for sale$145,000
2017-09-08Sold--
2017-08-23Pending sale$124,900
2017-08-02Listed for sale$124,900
2006-06-14Sold--

For Sale by Agent

AgentJohn K Platten
BrokerageKeller Williams Realty West

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