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985 Belmont Ter, Florissant, MO, 63033

3beds
2baths
1,350sqft
$194,900
$144price/sqft
$1,528/moest. monthly cost
$61,120/yrincome needed

About This Home

One or more photo(s) was virtually staged. Move-in ready three-bedroom, two-bathroom traditional home in the sought-after Paddock Hills neighborhood. This beautifully designed residence features a traditional floor plan with a lovely living room that flows seamlessly into the rest of the home, all complemented by durable vinyl and laminate flooring throughout. The kitchen is fully equipped with sleek stainless steel appliances and stunning granite countertops, making it both a stylish and highly functional space. The primary bedroom serves as a comfortable retreat, complete with its own private bathroom and a large walk-in closet. Downstairs, an unfinished basement provides excellent additional storage or potential for future customization. Step outside to enjoy a fully fenced-in backyard, offering a private outdoor space perfect for relaxing or entertaining. Conveniently located near shopping, schools, parks, and major commuter routes, this home offers both comfort and accessibility. Schedule your private showing today!

Getting Around

17
WalkingCar-Dependent
32
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

4/10
4/10
Cross Keys Middle SchoolGrades 7-81.2 mi
2/10
Mccluer North High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1956

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Electric Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom2

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

Bedroom3

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

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

Features

  • Smart Thermostat
  • Flooring: Laminate,Vinyl
  • Finished area above ground: 1,350

Heating & Cooling

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

Interior Area

  • Total structure area: 1,350
  • Total interior livable area: 1,350 sqft

Kitchen

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Living Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 190
  • Dimensions: 19x10

Primary Bedroom

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Property

Details

  • Parcel number: 08J341205
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Patio
  • Exterior features: Rain Gutters,Storage
  • Fencing: Back Yard
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.27 Acres
  • Features: Adjoins Wooded Area,Corner Lot,Cul-De-Sac,Level
  • Lot size dimensions: 168 x 114 x 146 x 23 x 21 x 23

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
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Earthquake
Hail
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 $985$11,820
Home Insurance *$217$2,604
Property Taxes $185$2,220
Electricity $141$1,693
Total$1,528$18,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,388/yr
40% on housing$45,840/yr
45% on housing$40,746/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 63033$123
St. Louis County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63033$119
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)

Price History

DateEventPrice
2026-07-10Price change$194,900
2026-06-03Listed for sale$199,900
2022-10-07Listing removed--
2022-08-23Listed for rent$1,395
2021-11-19Sold--
2021-09-23Pending sale$150,000
2021-09-17Listed for sale$150,000
2006-11-17Sold--
2006-08-09Sold--

For Sale by Agent

AgentRobert Salmons
BrokerageEntera Realty, LLC

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