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2 Southgate Ct, Saint Charles, MO, 63304

4beds
3baths
2,042sqft
$379,000
$186price/sqft
$2,642/moest. monthly cost
$105,680/yrincome needed

About This Home

WELCOME HOME to 2 Southgate Court! From the moment you arrive, you’ll notice the sparkling NEW ROOF & freshly poured driveway that create incredible curb appeal. Even a FIXED SEWER LINE from the house to main! Offering 4 bedrooms, 2.5 bathrooms, an oversized 2-car garage, & a premium lot backing to a beautiful tree-lined setting, this home is ready for its next family. Enjoy peace of mind with a NEW furnace, NEW a/c Unit, NEW water heater, & NEW appliances. Inside, warm hardwood floors, spacious living areas, & an open layout create the perfect space for everyday living & entertaining. The inviting family room features a cozy fireplace & large windows that fill the home with natural light while showcasing peaceful backyard views. The kitchen offers abundant cabinetry, updated appliances, generous counter space, & a breakfast area overlooking the backyard. Upstairs, you’ll find spacious bedrooms, including a private primary suite with a large walk-in closet & plenty of room to unwind. Spend time outside & enjoy the scenic tree-lined backdrop, perfect for relaxing or entertaining guests. Conveniently located near parks, shopping, restaurants, & major highways, this move-in-ready home combines comfort, updates, & location in one exceptional package. Don’t miss your opportunity to make 2 Southgate Court your next home! *Hardwood flooring is brand new & seller was informed how within time the UV will bring out the color to blend perfectly.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
Central Elementary SchoolGrades PK-50.8 mi
9/10
Bryan Middle SchoolGrades 6-84.1 mi

Construction

Condition

  • Year built: 1978

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Gas Oven,Built-In Refrigerator,Gas Water Heater
  • Laundry features: In Basement

Basement

  • Features: Floor Covering: Concrete
  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Concrete,Walk-Out Access

Bathroom

  • Features: Floor Covering: Wood
  • Level: Upper

Bathroom

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bathroom2

  • Features: Floor Covering: Ceramic Tile
  • Level: Upper

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room

  • Features: Floor Covering: Wood
  • Level: Main

Dining Room

  • Features: Floor Covering: Wood
  • Level: Main

Family Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Features

  • Breakfast Room,Entrance Foyer,Kitchen Island,Kitchen/Dining Room Combo,Pantry,Separate Dining,Shower,Smart Thermostat,Storage,Sunken Living Room,Walk-In Closet(s)
  • Door features: Sliding Doors,Storm Door(s)
  • Flooring: Carpet,Concrete,Hardwood,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 728
  • Finished area above ground: 2,042

Heating & Cooling

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

Interior Area

  • Total structure area: 2,042
  • Total interior livable area: 2,042 sqft

Kitchen

  • Features: Floor Covering: Wood
  • Level: Main

Laundry

  • Features: Floor Covering: Concrete
  • Level: Basement

Living Room

  • Features: Floor Covering: Wood
  • Level: Main

Primary Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Upper

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper

Property

Details

  • Parcel number: 300165222000037.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Front Porch
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.56 Acres
  • Features: Back Yard,Cul-De-Sac,Open Lot,Some Trees

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Direct Access,Driveway,Garage,Garage Faces Front,Inside Entrance,Kitchen Level,Off Street,On Site,On Street,Oversized,Private
  • 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 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 $1,916$22,992
Home Insurance *$237$2,844
Property Taxes $334$4,008
Electricity $155$1,871
Total$2,642$31,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,582/yr
40% on housing$79,260/yr
45% on housing$70,453/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$188
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)

No zestimate history available

Price History

DateEventPrice
2026-08-16Pending sale$379,000
2026-07-29Price change$379,000
2026-07-08Price change$399,000
2026-06-19Listed for sale$425,000

For Sale by Agent

AgentMargaret Bradford
BrokerageNettwork Global

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