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2009 White Branch Dr, Saint Paul, MO, 63366

3beds
2baths
1,696sqft
$449,900
$265price/sqft
$3,096/moest. monthly cost
$123,840/yrincome needed

About This Home

Welcome to 2009 White Branch Dr in charming St. Paul—a thoughtfully designed ranch home, equipped w/ handicap-accessible upgrades that blends modern finishes with everyday functionality. This 3-bedroom, 2-bath home offers effortless main-level living with durable luxury vinyl plank flooring flowing seamlessly throughout. The heart of the home is the beautifully appointed kitchen, featuring sleek quartz countertops and a matching backsplash, stainless steel appliances, under-cabinet lighting, upgraded pull out drawers in many cabinets and an oversized center island—perfect for entertaining or casual dining. A spacious walk-in pantry provides ample storage, while recessed lighting and a vaulted ceiling enhance the open, airy feel of the main living space. The primary suite is a true retreat, complete with a large walk-in closet outfitted with custom shelving for optimal organization. Convenience continues with a main floor laundry room featuring a utility sink and additional cabinetry. All interior doors are upgraded to 4ft wide. The unfinished lower level offers endless potential with a rough-in for a future bathroom, egress window, and sump pump already in place—ready for your finishing touches. Step outside to enjoy the composite deck overlooking a fully fenced backyard, ideal for pets, play, or relaxation. A sprinkler system adds ease to maintaining the beautifully kept yard. This move-in ready home combines accessibility, style, and room to grow—all in a desirable location.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Microwave,Free-Standing Electric Range,Refrigerator,Gas Water Heater,Water Softener
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Storage Space,Sump Pump,Unfinished

Bedrooms & Bathrooms

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

Features

  • Kitchen Island,Pantry,Recessed Lighting,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Luxury Vinyl,Tile
  • Finished area above ground: 1,696

Heating & Cooling

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

Interior Area

  • Total structure area: 1,696
  • Total interior livable area: 1,696 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Doors,Accessible Full Bath,Accessible Hallway(s),Stair Lift

Details

  • Parcel number: 20012D033000435.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Composite,Deck,Front Porch
  • Exterior features: Private Yard
  • Fencing: Back Yard

Lot

  • Lot size: 10,010 sqft
  • Features: Landscaped,Sprinklers In Front

Parking

  • Total spaces: 3
  • Parking features: Driveway,Garage,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Inland Flooding
Strong Wind
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 $2,274$27,288
Home Insurance *$284$3,408
Property Taxes $397$4,764
Electricity $141$1,693
Total$3,096$37,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,148/yr
40% on housing$92,880/yr
45% on housing$82,560/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: 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

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 63366$187
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63366$178
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
2026-08-14Price change$439,900
2026-07-17Listed for sale$449,900

For Sale by Agent

AgentTim J Phillips
BrokerageMO Realty

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