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10 Lehmond Island Rd, Saint Charles, MO, 63301

3beds
1baths
1,280sqft
$379,000
$296price/sqft
$2,611/moest. monthly cost
$104,440/yrincome needed

About This Home

Discover a rare opportunity to own a stunning Mississippi River bottom retreat just minutes from St. Charles. Located only three miles from town, this exceptional property offers the perfect balance of peaceful seclusion and convenient access ideal for a weekend getaway, full-time residence, or homesteading dream. This charming 3-bedroom home features expansive wrap-around decks, Imagine morning coffee overlooking the water and evenings watching wildlife from the comfort of your own deck, Included is an additional riverfront lot complete with a private dock and boat slip, giving you direct access to incredible fishing and endless days on the water. With river frontage, you'll enjoy some of the area's best fishing and excellent hunting opportunities, including abundant deer population, The land itself is truly unbelievable. Nestled in the rich, fertile Mississippi River bottom soil, this property produces extraordinary gardens year after year. Already established are tame blackberries, asparagus beds, mature pecan trees and a variety of other thriving plantings. Whether you're dreaming of gardening, hobby farming, or full homesteading, the soil quality here is second to none you truly have to see the produce to believe it. Properties like this offering river access additional buildable lot, established perennial plantings, prime hunting, exceptional fishing, and close proximity to town rarely come available at such an attractive price. If you've been searching for a getaway property on the river with unmatched natural beauty and productivity, this is your chance.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
6/10
8/10

Construction

Condition

  • Year built: 1993

Materials

  • Construction materials: Masonite

Type & Style

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

Interior

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Finished area below ground: 1,280
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Property

Details

  • Parcel number: 50056s002000029.1000000
  • Special condition: Standard

Features

  • Levels: One
  • Has view: Yes
  • View description: River,Trees/Woods
  • Water view: River
  • Waterfront features: River Front

Lot

  • Lot size: 11 Acres
  • Features: Private,Scattered Woods

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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Heat Wave
Lightning

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 *$220$2,640
Property Taxes $334$4,008
Electricity $141$1,693
Total$2,611$31,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,520/yr
40% on housing$78,330/yr
45% on housing$69,626/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

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 63301$186
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63301$195
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
2026-06-01Listed for sale$379,000
2026-04-06Pending sale$379,000
2026-02-25Listed for sale$379,000
2026-01-01Listing removed$379,000
2025-11-09Listed for sale$379,000
2025-10-14Listing removed$385,000
2025-08-27Price change$385,000
2025-06-05Listed for sale$400,000
1984-06-01Sold--

For Sale by Agent

AgentJerry Hunter
BrokerageLiving The Dream Inc.

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