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9828 Whitcomb Ln, Saint Louis, MO, 63123

2beds
2baths
1,800sqft
$289,900
$161price/sqft
$2,083/moest. monthly cost
$83,320/yrincome needed

About This Home

Motivated seller has just lowered the price—an incredible opportunity to make this adorable home in the highly sought-after Affton School District your own at an affordable price! Welcome to this inviting 2-bedroom, 2-bath home. Hardwood floors flow throughout the main level, complementing the light-filled living and dining rooms—ideal for everyday living and entertaining. The kitchen features a convenient oversized desk or serving area, large pantry, and flows seamlessly into the dining room, creating an open, connected layout. The primary bedroom offers both a walk-in closet and an additional standard closet, providing exceptional storage. The second bedroom features custom built-in shelving and a double closet. Storage continues throughout the home with a linen closet just outside the bathroom and additional custom built-ins in the dining room. The finished walk-out lower level adds exceptional versatility with a full wet bar and refrigerator, generous space for a living area or recreation room, and a full bath. A non-conforming bedroom with a large closet is located across from the bath; please note it does not have egress. This flexible lower level is ideal for entertaining, a private guest space, or a convenient prep area for grilling, bonfires, and summer gatherings in the large, level backyard. Enjoy a beautifully flat, fully vinyl-fenced yard with mature shade trees. A single car garage offers covered parking or storage and the oversized driveway will allow all of your guests plenty of room for off-street parking. Don’t miss this functional, welcoming home with space to live, entertain, and enjoy. Schedule your showing today!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

--
Mesnier Primary SchoolGrades PK-21.3 mi
7/10
Rogers Middle SchoolGrades 6-82.6 mi
4/10
Affton High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1959

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Gas Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Oven,Refrigerator
  • Laundry features: Laundry Room,Lower Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Sleeping Area,Storage Space,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Granite Counters,High Speed Internet,Open Floorplan,Pantry,Separate Dining,Smart Thermostat,Walk-In Closet(s)
  • Flooring: Hardwood,Luxury Vinyl
  • Finished area below ground: 800
  • Finished area above ground: 1,008

Heating & Cooling

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

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 27J430324
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Front Porch,Patio
  • Exterior features: Playground,Private Entrance
  • Fencing: Back Yard,Fenced,Full,Gate,Vinyl

Lot

  • Lot size: 7,623 sqft
  • Features: Back Yard,Cleared,Front Yard,Level,Some Trees

Parking

  • Total spaces: 1
  • Parking features: Additional Parking,Concrete,Driveway,Garage,Garage Door Opener,Garage Faces Front,Inside Entrance,Kitchen Level,Parking Pad,Private
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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

  • Hail
    HailVery High
  • Heat Wave
    Heat WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Hail
Heat Wave
Cold Wave
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 $1,465$17,580
Home Insurance *$202$2,424
Property Taxes $275$3,300
Electricity $141$1,693
Total$2,083$24,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,417/yr
40% on housing$62,490/yr
45% on housing$55,546/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

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 63123$143
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$275,000
2026-08-10Price change$275,000
2026-08-06Listed for sale$284,900
2026-08-05Listing removed$289,900
2026-08-02Listed for sale$289,900
2026-08-01Listing removed$289,900
2026-07-18Listed for sale$289,900
2023-10-23Sold--
2023-10-02Pending sale$230,000
2023-09-29Listed for sale$230,000
2017-06-07Sold--
2017-05-06Pending sale$164,900
2017-04-04Price change$164,900
2017-03-01Listed for sale$169,900
2013-11-18Sold--
2013-10-04Listed for sale$138,000

For Sale by Agent

AgentHeather Bockhoff
BrokerageRealty Executives of St. Louis

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