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1000 Santiago Trl, Cottleville, MO, 63304

4beds
4baths
2,696sqft
$768,963
$285price/sqft
$5,252/moest. monthly cost
$210,080/yrincome needed

About This Home

MOVE-IN READY on Homesite 107- This stunning 4 Bedroom, 3 and a half Bathroom residence boasts high end finishes showcasing modern luxury in the middle of Cottleville Trails. The spacious layout offers an open floor plan perfect for entertaining guests and fostering a sense of togetherness. The living space features a sleek fireplace ideal for gathering and relaxing. Each bedroom offers a personal haven for every family member, providing comfort and privacy. The open concept kitchen is the heart of the home creating a perfect space for your family's daily life. The backyard is a canvas for family fun and entertaining guests. Located in Francis Howell Schools you'll love the safe and vibrant community, all the amenities and conveniences right at your doorstep, and easy access to Downtown Cottleville! This home is a true gem that seamlessly combines luxury, style, and functionality for your perfect family living experience. This home will not last – schedule your appointment today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Warren Elementary SchoolGrades K-51.5 mi
6/10
Saeger Middle SchoolGrades 6-81.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Architectural Shingle
  • Construction materials: Other,Shake Siding,Stone,Vertical Siding

Other

  • Builder name: Mckelvey Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Craftsman,Modern,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Gas Cooktop,Dishwasher,Disposal,Microwave,Built-In Gas Oven,Water Heater
  • Laundry features: Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Concrete,Other,Unfinished

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 143
  • Dimensions: 13x11

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 182
  • Dimensions: 13x14

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: First
  • Area: 140
  • Dimensions: 10x14

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: First
  • Area: 192
  • Dimensions: 12x16

Family Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: First
  • Area: 300
  • Dimensions: 15x20

Features

  • Breakfast Room,Butler Pantry,Double Vanity,Eat-in Kitchen,High Ceilings,Kitchen Island,Lever Faucets,Open Floorplan,Other,Pantry,Master Downstairs,Separate Shower,Shower,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Electric,Family Room
  • Fireplace: Yes
  • Finished area above ground: 2,696

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,696 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: First
  • Area: 192
  • Dimensions: 16x12

Loft

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 120
  • Dimensions: 12x10

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: First
  • Area: 208
  • Dimensions: 13x16

Property

Details

  • Parcel number: 30018D487000107.0000000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Pool features: Community,Fenced,In Ground,Outdoor Pool
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Lighting,Other

Lot

  • Lot size: 0.33 Acres
  • Features: Adjoins Common Ground,Back Yard,Corner Lot,Front Yard,Landscaped,Other,Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
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 $3,888$46,656
Home Insurance *$480$5,760
Property Taxes $679$8,148
Electricity $205$2,470
Total$5,252$63,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$180,068/yr
40% on housing$157,560/yr
45% on housing$140,053/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

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$186
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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)

No zestimate history available

Price History

DateEventPrice
2026-04-02Price change$788,963
2026-02-04Price change$798,963
2025-08-21Price change$808,963
2025-07-17Price change$815,925
2025-06-26Listed for sale$834,905

New Construction Spec

AgentBarbara W Hartmann
BrokerageMcKelvey Homes Realty, LLC

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