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4120 Charbonier Rd, Florissant, MO, 63031

4beds
2baths
1,310sqft
$469,000
$358price/sqft
$3,471/moest. monthly cost
$138,840/yrincome needed

About This Home

Love the outdoor life? Love spacious fenced planting beds for growing your own fruits and vegetables (with a convenient water spigot!)? Love LARGE, separate, fully powered space to woodwork, repair engines, fix, tinker, create? Love no backyard neighbors? Love super convenient access to right out the back door walking, exploring and immediate access to 200 acres of St Louis County/Saint Stanislaus Conservation Area? HERE. IT. IS! 3.5 Beautiful acres with a home built with maximum energy efficiency! This single-family owner home was specifically designed and constructed to be solar powered for electricity - after moving in, it was apparent the home was already so energy efficient that purchasing and installing the solar equipment was not even necessary! (see Seller's Disclosure for monthly utility bills!) Home boasts 4 bedrooms, 2 full bathrooms, HUGE bonus/game/entertainment room, a SIZABLE sunroom, a full basement and an OVERSIZED 2 car garage with storage and ceiling fans and bike hooks and more! Home has a BRAND-NEW Electric Service Panel! 2-yr young hybrid 50 heat pump water heater! Anderson thermal pane wood windows AND 2 layered, thermal, insulated glass storm windows! Fresh air fills the house on our beautiful days by keeping the garage screen and upper bonus room doors open! Half-vaulted living and front bedroom (with built in bookcases) on main floor. Gorgeous updated main floor bathroom has step in shower. You. Will. Love the 1/2 Vaulted Bonus/3 Season room with oak wood flooring and screened door to small balcony - the perfect place to holler "Dinner's Ready!" From here step down to the Lower Sunroom/crafting/plant nursery room via the very wide stairwell. Mr and Mrs Clean live here and this home has been meticulously maintained! DON'T STOP HERE! MASSIVE, detached workshop with its own electric meter and is set up for the person who has all the right tools and know how to Get Things Done! Workshop ALSO has a Concrete foundation, basement, storage area for your riding mower or tractor parking! The owners strategically placed benches and swings on the acreage to pause, take in and enjoy mother nature's gift. Refrigerator, Clothes Washer and Dryer included. Stop by Today!

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

3/10
Russell Elementary SchoolGrades PK-51.2 mi
2/10
West Middle SchoolGrades 6-82.4 mi
3/10

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Shingle
  • Construction materials: Foam Insulation,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Oven,Refrigerator,Washer,Water Heater

Basement

  • Features: Floor Covering: Concrete
  • Level: Lower
  • Area: 787.7136
  • Dimensions: 34.64x22.74

Basement

  • Has basement: Yes
  • Basement: Concrete

Bathroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 48.2446
  • Dimensions: 10.42x4.63

Bathroom2

  • Features: Floor Covering: Ceramic Tile
  • Level: Second
  • Area: 37.2416
  • Dimensions: 5.06x7.36

Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 154.7455
  • Dimensions: 12.35x12.53

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 142.9784
  • Dimensions: 12.52x11.42

Bedroom3

  • Level: Second
  • Area: 154.9478
  • Dimensions: 13.58x11.41

Bedroom4

  • Features: Floor Covering: Parquet
  • Level: Second
  • Area: 154.9478
  • Dimensions: 13.58x11.41

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Ceiling Fan(s),Eat-in Kitchen
  • Door features: Panel Door(s)
  • Window features: Double Pane Windows,Insulated Windows,Storm Window(s),Wood Frames
  • Flooring: Carpet,Ceramic Tile,Hardwood,Luxury Vinyl
  • Finished area above ground: 1,310

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,310
  • Total interior livable area: 1,310 sqft

Kitchen

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Living Room

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 269.6064
  • Dimensions: 21.76x12.39

Sunroom

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 394.301
  • Dimensions: 35.3x11.17

Property

Details

  • Parcel number: 07L410029
  • Special condition: Standard

Features

  • Levels: Two
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 3.51 Acres
  • Features: Many Trees,Sloped
  • Lot size dimensions: 109' x 73' x 371' x 279' x 549' x 311'

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

  • Heat Wave
    Heat WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Hail
Earthquake
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
Tornado

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 $2,371$28,452
Home Insurance *$514$6,168
Property Taxes $445$5,340
Electricity $141$1,693
Total$3,471$41,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,005/yr
40% on housing$104,130/yr
45% on housing$92,560/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 63031$120
St. Louis County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63031$137
St. Louis County$160

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
2026-05-11Pending sale$495,000
2026-05-01Listed for sale$495,000

For Sale by Agent

AgentCindy A Wilson
BrokerageRED Realty

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