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21 Turtle Creek Villas Dr Lot 14R, Ofallon, MO, 63366

2beds
2baths
1,412sqft
$320,000
$227price/sqft
$2,243/moest. monthly cost
$89,720/yrincome needed

About This Home

(OPEN FRIDAY 4pm-5PM): NEW PRICE! Stunning, low-maintenance villa located just one block from The Falls Golf Club is ready for its next owner! Exceptionally maintained and truly move-in ready, this beautiful home offers the perfect blend of comfort and convenience. Inside, you'll find a spacious open layout featuring vaulted ceilings in the living room and kitchen, gorgeous hardwood floors throughout, main-floor laundry, and two generously sized bedrooms. A sliding glass door leads to the private deck, creating the perfect space to relax or entertain. Plus, just a short walk from the pool and clubhouse! The unfinished lower level is already roughed in for a full bathroom, providing an excellent opportunity to add additional living space. If you're looking for easy, low-maintenance living in a quiet setting that's just minutes from golf, shopping, dining, and everyday conveniences, this villa checks all the boxes.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
10/10
10/10

Construction

Condition

  • Year built: 2003

Materials

  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,412

Heating & Cooling

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

Interior Area

  • Total structure area: 1,412
  • Total interior livable area: 1,412 sqft

Property

Details

  • Parcel number: 20060817400014R.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck

Lot

  • Lot size: 2,918 sqft
  • Features: Back Yard,Front Yard,Landscaped,Open Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage,Garage Door Opener,Garage Faces Front,Parking Pad
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
Inland Flooding
Lightning
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 $1,618$19,416
Home Insurance *$202$2,424
Property Taxes $282$3,384
Electricity $141$1,693
Total$2,243$26,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,902/yr
40% on housing$67,290/yr
45% on housing$59,813/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 63366$188
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
2026-08-13Price change$299,900
2026-07-28Price change$320,000
2026-07-11Listed for sale$330,000

For Sale by Agent

AgentTim S Branneky
BrokerageMORE, REALTORS

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