4223 Towers Rd, Saint Charles, MO, 63304
About This Home
Rare opportunity to own a home you can customize to your tastes on one acre in St. Charles County and the Francis Howell School District, with no HOA!! The home offers 1,552 square feet on the main level, plus roughly 1,200 square feet of finished lower-level living space, providing plenty of room to spread out. This house offers the perfect opportunity for some sweat equity. The heavy lifting has been done, the roof, water heater, and high efficiency heat pump are all 4 or less years old! The possibilities are endless with the finished basement with a full kitchen, full bath, and two bedrooms! Mother-in-law quarters? Won't leave the house, kid areas? Come make it what you want! This property offers the perfect opportunity to live in the home and repair as needed, or make the home perfect before moving in, and put your personal touch on the finishes. Property is being sold in its current, as-is condition. Seller will make no repairs. Inspections are welcome for the buyer’s information.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1983
Materials
- Roof: Architectural Shingle
- Construction materials: Brick Veneer,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 1,200
- Finished area above ground: 1,552
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,752
- Total interior livable area: 2,752 sqft
Property
Details
- Parcel number: 300415577000022.0000000
- Special condition: Listing As Is
Features
- Levels: One
Lot
- Lot size: 1 Acres
- Features: Adjoins Open Ground,Adjoins Wooded Area,Open Lot
Parking
- Total spaces: 2
- Parking features: Garage
- 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
- Hail
- Heat Wave
- Strong Wind
- 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 | $1,893 | $22,716 |
| Home Insurance * | $234 | $2,808 |
| Property Taxes | $330 | $3,960 |
| Electricity | $210 | $2,521 |
| Total | $2,667 | $32,004 |
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 |
|---|---|---|
| 2026-08-07 | Price change | $365,000 |
| 2026-07-18 | Listed for sale | $374,500 |
| 2021-08-26 | Sold | -- |
| 2003-03-07 | Sold | -- |
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