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401 Hamlet Ct, Lake Saint Louis, MO, 63367

5beds
5baths
3,517sqft
$725,000
$206price/sqft
$4,936/moest. monthly cost
$197,440/yrincome needed

About This Home

Your Dream Ranch Just Became Even More Affordable. Huge ranch home in the desirable Villages at Shady Creek! This stunning custom ranch offers over 3,500 sq. ft. of beautifully finished living space designed for both everyday comfort and effortless entertaining. The open-concept floor plan features 4 bedrooms and 3.5 baths, on the mainfloor. The luxurious primary en suite is a private retreat featuring a soaking tub, oversized multi-jet shower, dual vanities, and separate his-and-hers walk-in closets. The chef-inspired kitchen is sure to impress with an expansive center island, custom cabinetry, under-cabinet lighting, generous storage, and a layout perfect for gathering with family and friends. Five burner gas stove, huge side-by-side refrigerator, built-in double ovens, under counter microwave and a built in cold ware dispenser. The spacious mudroom off the kitchen offers a walk-in pantry. Laundry room with a door to cut down on noise, a wall of cubbies for organizing coats, boots and backpacks, a coat closet and mop closet. The deep pour, walkout lower level is partially finished offering the 5th bedroom and a full bathroom. Outdoor living shines with a covered deck, large patio, and fenced backyard - offering the perfect setting for relaxing, entertaining, pets, or play. Rocked fire pit area and rocked edging makes yard easily maintained.Additional highlights include a 4 car drywalled garage, exceptional craftsmanship, and the custom details you expect in a home of this caliber. Experience the space, style, and comfort of this sprawling ranch, 401 Hamlet Court - a beautiful place to call home.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
10/10
Frontier Middle SchoolGrades 6-81.1 mi
9/10
Liberty High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2020

Materials

  • Construction materials: Brick,Stone,Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Heating & Cooling

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

Interior Area

  • Total structure area: 3,517
  • Total interior livable area: 3,517 sqft

Property

Details

  • Parcel number: 40067C5820000380000000

Parking

  • Parking features: GarageAttached
  • Has garage: 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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $3,665$43,980
Home Insurance *$363$4,356
Property Taxes $640$7,680
Electricity $268$3,222
Total$4,936$59,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,234/yr
40% on housing$148,080/yr
45% on housing$131,626/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

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 63367$181
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63367$184
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
2026-07-08Price change$725,000
2026-07-03Price change$748,000
2026-06-22Listed for sale$765,000

For Sale by Agent

AgentBonnie Gittemeier
BrokerageSelect Properties

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