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1290 Summer Lynne Dr, O'Fallon, MO, 63366

5beds
3baths
3,838sqft
$459,900
$120price/sqft
$3,314/moest. monthly cost
$132,560/yrincome needed

About This Home

Tucked away off Bryan Road on a quiet street in sought-after Sunset Ridge Estates, this spacious ranch offers the perfect combination of everyday comfort, room to entertain, and surprisingly low utility costs. With nearly 3,900 square feet of finished living space, 3+ bedrooms, 3 full baths, and an oversized 3-car garage, there's space for everyone and everything. From the moment you walk in, you'll appreciate the soaring vaulted ceilings, open floor plan, and inviting Great Room featuring a wood-burning fireplace. The kitchen offers stainless steel appliances, a center island, desk area, pantry, abundant cabinetry, and flows seamlessly into the breakfast room and living areas, making it ideal for both daily living and entertaining. One of the home's most impressive features is what you don't immediately see. Paid-off solar panels, Anderson windows, quality insulation, and a high-efficiency Trane HVAC system with major components updated in 2023 help create a home that is exceptionally quiet, comfortable, and economical to own. Utility costs are remarkably low for a home of this size. The finished lower level is an entertainer's dream, featuring a huge family room, wet bar/kitchen, media area, gym, two additional sleeping rooms connected by a Jack-and-Jill bathroom, and plenty of storage space. Whether you're hosting game day, holiday gatherings, overnight guests, or simply need room to spread out, this lower level delivers. Step outside to enjoy the covered patio and fenced backyard, offering the perfect setting for pets, play, gardening, or relaxing summer evenings. The oversized 3-car garage provides ample space for vehicles, tools, hobbies, and workshop needs. Residents enjoy access to community amenities including a neighborhood pool, clubhouse, and common ground, all within the highly regarded Wentzville School District. Large enough to host the holidays, efficient enough to keep monthly costs manageable, and thoughtfully designed for both entertaining and everyday living, this is the kind of home buyers wait for. Near I-64 and I-70, this home delivers an easy commute and overall great location.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
10/10
Frontier Middle SchoolGrades 6-84.0 mi
9/10
Liberty High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2000

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Dryer,Microwave,Electric Oven,Built-In Electric Range,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Concrete,Finished,Partially Finished,Full,Sleeping Area,Storage Space,Sump Pump

Bathroom2

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 35
  • Dimensions: 7x5

Bathroom3

  • Features: Floor Covering: Vinyl
  • Level: Lower
  • Area: 99.75
  • Dimensions: 10.5x9.5

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 145
  • Dimensions: 14.5x10

Bedroom3

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Bonus Room

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 224
  • Dimensions: 16x14

Bonus Room

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 217
  • Dimensions: 15.5x14

Breakfast Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 86.125
  • Dimensions: 13.25x6.5

Dining Room

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 150
  • Dimensions: 12.5x12

Family Room

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 600
  • Dimensions: 40x15

Features

  • Bar,Breakfast Room,Ceiling Fan(s),Coffered Ceiling(s),Crown Molding,Double Vanity,Entrance Foyer,High Ceilings,High Speed Internet,Kitchen Island,Open Floorplan,Pantry,Recessed Lighting,Separate Dining,Separate Shower,Shower,Soaking Tub,Storage,Tub,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar,Workshop/Hobby Area
  • Door features: French Doors,Panel Door(s),Sliding Doors,Storm Door(s)
  • Window features: Blinds,ENERGY STAR Qualified Windows,Insulated Windows,Low Emissivity Windows,Triple Pane Windows
  • Flooring: Carpet,Luxury Vinyl,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,919
  • Finished area above ground: 1,919

Great Room

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 310.625
  • Dimensions: 17.75x17.5

Gym

  • Features: Floor Covering: Other
  • Level: Lower
  • Area: 156
  • Dimensions: 13x12

Heating & Cooling

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

Interior Area

  • Total structure area: 3,838
  • Total interior livable area: 3,838 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 145.75
  • Dimensions: 13.25x11

Laundry

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 79.5
  • Dimensions: 13.25x6

Media Room

  • Features: Floor Covering: Vinyl
  • Level: Lower
  • Area: 292.5
  • Dimensions: 22.5x13

Office

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 107.5
  • Dimensions: 10.75x10

Primary Bathroom

  • Features: Floor Covering: Vinyl
  • Level: Main
  • Area: 90
  • Dimensions: 11.25x8

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 284.75
  • Dimensions: 17x16.75

Storage

  • Features: Floor Covering: Concrete
  • Level: Lower
  • Area: 72
  • Dimensions: 12x6

Utility Room

  • Features: Floor Covering: Concrete
  • Level: Lower
  • Area: 72
  • Dimensions: 9x8

Property

Details

  • Parcel number: 400227753000034.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: Community,In Ground,Outdoor Pool
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Fencing: Back Yard,Fenced,Vinyl
  • Has view: Yes
  • View description: Neighborhood
  • Frontage length: 88

Lot

  • Lot size: 0.25 Acres
  • Features: Back Yard,Few Trees,Front Yard,Landscaped,Level,Rectangular Lot
  • Lot size dimensions: 124 x 88

Parking

  • Total spaces: 3
  • Parking features: Garage,Garage Door Opener,Garage Faces Front,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Heat Wave
Lightning
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 $2,325$27,900
Home Insurance *$290$3,480
Property Taxes $406$4,872
Electricity $293$3,516
Total$3,314$39,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,622/yr
40% on housing$99,420/yr
45% on housing$88,373/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

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 63366$189
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63366$178
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
2026-08-13Pending sale$459,900
2026-07-21Price change$459,900
2026-06-26Listed for sale$475,000

For Sale by Agent

AgentJessica C Vargas
BrokerageNettwork Global

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