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4200 Wincliff Dr, Saint Charles, MO, 63304

4beds
3baths
2,520sqft
$565,000
$224price/sqft
$3,900/moest. monthly cost
$156,000/yrincome needed

About This Home

Private 4 acre wooded lot at end of cul de sac in unincorporated St Charles! Only minutes from Page Extension, Katy Trail, shopping, schools and more. Beautiful updated 4 bedroom brick ranch with 2 car rear entry garage and over 2500 sq ft of main floor living space! Gorgeous eat in kitchen with breakfast room, premium granite countertops, stainless steel appliances, backsplash, crown molding and accent lighting over cabinets! Giant family room with woodburning fireplace and large windows with scenic views! Separate Living and dining rooms. Spacious main floor primary bedroom suite with full bath and walk in closet, 3 more bedrooms on main level! Double sinks in both full bathrooms, Giant main floor laundry / mud room. Half bath in unfinished lower level! Newer flooring, roof and septic system. Dual HVAC systems and water heaters. Plenty of extra parking at front, back and bottom of drive. Run your business, park your vehicles/trailers or build an out building.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
8/10
Bryan Middle SchoolGrades 6-84.4 mi

Construction

Condition

  • Year built: 1970

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Electric Cooktop,Dishwasher,Disposal,Microwave,Double Oven,Electric Oven,Free-Standing Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Full

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Family Room

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 437
  • Dimensions: 23x19

Features

  • Breakfast Room,Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,Separate Dining,Walk-In Closet(s)
  • Window features: Screens,Wood Frames
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 2,520

Heating & Cooling

  • Heating features: Dual Fuel/Off Peak,Electric,Forced Air
  • Cooling features: Central Air,Dual,Electric

Interior Area

  • Total structure area: 2,520
  • Total interior livable area: 2,520 sqft

Kitchen

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 204
  • Dimensions: 17x12

Laundry

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 133
  • Dimensions: 19x7

Living Room

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 256
  • Dimensions: 16x16

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 238
  • Dimensions: 17x14

Property

Details

  • Parcel number: 30040S028000007.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Front Porch,Patio

Lot

  • Lot size: 4 Acres
  • Features: Adjoins Wooded Area,Cul-De-Sac,Many Trees

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Garage,Garage Door Opener,Garage Faces Rear
  • 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
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
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 $2,856$34,272
Home Insurance *$353$4,236
Property Taxes $499$5,988
Electricity $192$2,309
Total$3,900$46,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,714/yr
40% on housing$117,000/yr
45% on housing$104,000/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

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$187
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
2026-04-24Listed for sale$575,000
2021-04-27Sold--
2021-03-28Pending sale$449,900
2021-03-19Listed for sale$449,900
2021-02-18Pending sale$449,900
2021-02-02Listed for sale$449,900
2020-11-30Listing removed$390,000
2020-11-18Pending sale$390,000
2020-11-04Price change$390,000
2020-10-26Pending sale$415,000
2020-10-03Price change$415,000
2020-08-19Price change$425,000
2020-08-06Listed for sale$450,000

For Sale by Agent

AgentDavid Bueker
BrokerageRedKey Realty Leaders

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