4031 Kim Kelly Dr, Saint Charles, MO, 63304
About This Home
Spectacular 5-bedroom 3 full bath Atrium ranch! Formal dining room. Main floor laundry room. Large primary bedroom with a walk-in closet and luxury bath with a separate tub and shower. Plantation shutters. Awesome covered deck off breakfast room. Finished walk out lower-level with a family room/ rec room and exercise area, 2 bedrooms and 1 full bath! New AC/ Furnace in 2026! Roof with architectural shingles new in 2024. New deck in 2025! Fantastic fully landscaped, private lot is just shy of 1/3 of an acre with a spacious shed for extra storage!! Move right in this well-loved original owner home. Refrigerator, washer and dryer stay! Home is in excellent over all condition. Seller is selling home AS IS.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1996
Materials
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Atrium,Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Partially Finished,Full,Sleeping Area,Storage Space,Sump Pump,Walk-Out Access
Bedroom2
- Features: Floor Covering: Carpeting
- Level: Main
Bedroom3
- Features: Floor Covering: Carpeting
- Level: Main
Bedroom4
- Features: Floor Covering: Carpeting
- Level: Main
Bedroom5
- Features: Floor Covering: Carpeting
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Breakfast Room
- Features: Floor Covering: Wood
- Level: Main
Dining Room
- Features: Floor Covering: Carpeting
- Level: Main
Exercise Room
- Features: Floor Covering: Carpeting
- Level: Lower
Family Room
- Features: Floor Covering: Carpeting
- Level: Lower
Features
- Breakfast Room,Ceiling Fan(s),Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Separate Dining,Separate Shower,Soaking Tub,Storage,Vaulted Ceiling(s),Walk-In Closet(s),Workshop/Hobby Area
- Door features: Atrium Door(s),Panel Door(s),Sliding Doors
- Flooring: Carpet,Ceramic Tile,Hardwood,Vinyl
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 1,700
- Finished area above ground: 1,907
Great Room
- Features: Floor Covering: Carpeting
- Level: Main
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 3,607
- Total interior livable area: 3,607 sqft
Kitchen
- Features: Floor Covering: Wood
- Level: Main
Laundry
- Features: Floor Covering: Wood
- Level: Main
Primary Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
Property
Details
- Parcel number: 300417362000004.0000000
- Special condition: Standard
Features
- Levels: Two
- Patio & porch: Covered,Deck,Front Porch
- Exterior features: Storage
Lot
- Lot size: 0.32 Acres
- Features: Back Yard,Level,Some Trees,Sprinklers In Front,Sprinklers In Rear
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
- 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 | $2,275 | $27,300 |
| Home Insurance * | $281 | $3,372 |
| Property Taxes | $397 | $4,764 |
| Electricity | $275 | $3,305 |
| Total | $3,228 | $38,736 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Pending sale | $450,000 |
| 2026-08-05 | Listed for sale | $450,000 |
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