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2 Royal Ii At Bella Terra, Arnold, MO, 63010

4beds
3baths
2,001sqft
$364,900
$182price/sqft
$2,496/moest. monthly cost
$99,840/yrincome needed

About This Home

Pre-Construction. To Be Built Home ready to personalize into your dream home! BASE PRICE and PHOTOS are for 4BR, 2.5BA Royal II Two Story. Pricing will vary depending on interior/exterior selections. This flexible two story home offers plenty of living space! The main floor is great for entertaining, w/a kitchen that opens to the breakfast room & family room, plus a formal dining room for additional space. Second floor features the master suite w/private bath & 3 secondary bedrooms w/hall bath. Additional selections include luxury kitchen or a luxury master bath. The Royal II includes 2 car garage, main floor laundry, & more! Additional personal selections may include bay windows, fireplace, or great room window wall. Enjoy peace of mind with McBride Homes’ 10 year builders warranty & incredible customer service. Nestled in Imperial, MO, Bella Terra caters to all lifestyles & provides easy access to top-rated schools and local conveniences, making it a prime location for modern living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
7/10
Windsor Middle SchoolGrades 6-82.2 mi
7/10
Windsor High SchoolGrades 9-122.3 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes

Materials

  • Construction materials: Frame,Vinyl Siding

Other

  • Builder name: Mcbride Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Concrete

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate Dining,Breakfast Room
  • Window features: Bay Window(s)
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area above ground: 2,001

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,001
  • Total interior livable area: 2,001 sqft

Property

Details

  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Features: Other
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
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 $1,845$22,140
Home Insurance *$256$3,072
Property Taxes $243$2,916
Electricity $152$1,833
Total$2,496$29,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,577/yr
40% on housing$74,880/yr
45% on housing$66,560/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 63010$145
Jefferson County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63010$176
Jefferson County$171

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
2026-04-30Price change$363,900
2026-03-31Price change$361,900
2026-03-17Listed for sale$354,900
2025-12-07Listing removed$354,900
2025-12-02Price change$354,900
2025-08-26Price change$346,900
2025-06-06Price change$344,900
2025-03-17Price change$354,900
2025-02-13Price change$349,900
2025-01-25Price change$344,900
2025-01-16Price change$334,900
2024-12-06Listed for sale$330,900

New Construction

AgentPamela Chyba
BrokerageListWithFreedom.com Inc

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