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7104 Fernbrook Dr, Saint Louis, MO, 63123

4beds
2baths
1,342sqft
$274,000
$204price/sqft
$1,977/moest. monthly cost
$79,080/yrincome needed

About This Home

Get ready to fall for this one! Tucked away on a quiet cul-de-sac, this adorable 4-bedroom ranch packs a whole lot of living into 1,342 square feet with an open floor plan, smart layout, and easy one-level living! Grab your morning coffee and unwind on the oversized covered front porch before stepping inside to updated flooring throughout and bright, inviting spaces that instantly feel like home. The spacious living room flows effortlessly into the dining area, making game nights, birthday parties, and holiday dinners a breeze. The kitchen checks all the boxes with stainless steel appliances, loads of cabinet space, custom backsplash, and a window overlooking the backyard so you can keep an eye on the kids, the dogs...or both! The primary suite features a beautifully updated bath with a gorgeous custom walk-in tile shower you'll love coming home to. Three additional bedrooms, an updated hall bath, and convenient main-floor laundry make everyday living simple. Now let's talk about the backyard...because it's BIG! Fully fenced with plenty of room for soccer games, swing sets, gardens, cookouts, or simply letting the kids and pups burn off some energy. The patio is ready for summer evenings with friends and family. Even better? The big-ticket items are already done for you! New roof in 2026, plus furnace, A/C, and gutters replaced in 2021. The oversized 20x14 garage gives you extra room for bikes, tools, and all the weekend toys. Located just minutes from shopping, dining, parks, and iconic Ted Drewes, this home offers the perfect blend of convenience, comfort, and charm. Skip the stairs, enjoy the space, and start making memories from day one. Homes with four bedrooms, this much yard, and updates like these don't come along every day! OPEN HOUSE SUNDAY JULY 26 FROM 11-1PM

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
7/10
Rogers Middle SchoolGrades 6-81.2 mi
4/10
Affton High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: None
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Gas Oven,Gas Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Bedroom3

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 70
  • Dimensions: 10x7

Features

  • Breakfast Room,Ceiling Fan(s),Custom Cabinetry,Dining/Living Room Combo,Open Floorplan,Pantry,Shower,Tub,Walk-In Closet(s)
  • Door features: Panel Door(s),Sliding Doors,Storm Door(s)
  • Window features: Blinds,Insulated Windows
  • Flooring: Luxury Vinyl
  • Finished area above ground: 1,342

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,342
  • Total interior livable area: 1,342 sqft

Kitchen

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Laundry

  • Level: Main
  • Area: 60
  • Dimensions: 10x6

Living Room

  • Level: Main
  • Area: 234
  • Dimensions: 18x13

Primary Bedroom

  • Level: Main
  • Area: 160
  • Dimensions: 16x10

Property

Details

  • Parcel number: 25K640841
  • Special condition: Listing As Is

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch,Patio
  • Fencing: Back Yard,Full,Wood

Lot

  • Lot size: 8,977 sqft
  • Features: Level,Near Public Transit
  • Lot size dimensions: 73 x 123

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Hail
Earthquake
Inland Flooding
Ice Storm
Lightning
Tornado
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 $1,385$16,620
Home Insurance *$191$2,292
Property Taxes $260$3,120
Electricity $141$1,693
Total$1,977$23,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,782/yr
40% on housing$59,310/yr
45% on housing$52,720/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 63123$144
St. Louis County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63123$190
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
2026-08-10Price change$270,000
2026-07-29Price change$274,000
2026-07-23Listed for sale$278,500
2023-07-27Sold--
2023-07-03Pending sale$225,000
2023-06-29Listed for sale$225,000
2018-08-24Sold--
2018-07-27Pending sale$155,000
2018-07-12Listed for sale$155,000
2012-05-03Sold--
2012-02-26Price change$119,900
2011-11-30Price change$125,000
2011-10-21Price change$127,900
2011-08-28Price change$129,900
2011-07-13Listed for sale$132,900
2011-05-29Listing removed$134,900
2011-04-18Price change$134,900
2011-03-03Price change$139,900
2011-02-16Listed for sale$147,900
2007-09-06Sold--
2005-12-16Sold--

For Sale by Agent

AgentStacy Lough
BrokerageKeller Williams Chesterfield

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