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125 Sterling Dr, Lake Saint Louis, MO, 63367

4beds
4baths
3,340sqft
$717,250
$215price/sqft
$4,873/moest. monthly cost
$194,920/yrincome needed

About This Home

Located in the sought-after Montage community, this 1.5-story Expanded Bridgeport plan offers 3,340 square feet of well-designed living space with a Craftsman-style exterior. The home includes 4 bedrooms, 3.5 baths, and a 3-car garage. The kitchen features quartz countertops, a large island, two-tone 42” custom cabinetry with crown molding, soft-close doors, dovetail drawers, and stainless steel gas appliances. The open layout connects the kitchen to the breakfast room and family room, complete with a gas fireplace and a window wall for natural light. The main floor includes a study, laundry room with boot bench, and a spacious primary suite with a walk-in closet and private bath featuring a freestanding tub and separate spa like shower with heavy glass shower door. The upper level offers three additional bedrooms, two full baths, and a bonus room. Additional highlights include laminate flooring in main living areas, a full unfinished basement with rough-in for future bath, 8’ pour, and egress windows. Enjoy the 12x20 composite patio and included landscaping package. Zoned HVAC, smart thermostat, and energy-efficient insulated windows complete this move-in ready home in the Wentzville School District.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

7/10
7/10
9/10
Timberland High SchoolGrades 9-129.8 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame,Vinyl Siding

Other

  • Builder name: Consort Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Microwave,Gas Range,Electric Water Heater
  • Laundry features: Inside,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Sump Pump,Unfinished

Bathroom

  • Features: Floor Covering: Luxury Vinyl Tile
  • Level: Main

Bathroom2

  • Features: Floor Covering: Luxury Vinyl Tile
  • Level: Upper

Bathroom3

  • Features: Floor Covering: Luxury Vinyl Tile
  • Level: Upper

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 204
  • Dimensions: 17x12

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 204
  • Dimensions: 17x12

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 176
  • Dimensions: 11x16

Bedrooms & Bathrooms

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

Bonus Room

  • Features: Floor Covering: Laminate
  • Level: Upper
  • Area: 210
  • Dimensions: 14x15

Breakfast Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Family Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 306
  • Dimensions: 17x18

Features

  • Breakfast Bar,Breakfast Room
  • Door features: Panel Door(s),Sliding Doors
  • Window features: Insulated Windows,Storm Window(s),Tilt-In Windows
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area above ground: 3,340

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,340 sqft

Kitchen

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Laundry

  • Features: Floor Covering: Laminate
  • Level: Main

Office

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Primary Bathroom

  • Features: Floor Covering: Luxury Vinyl Tile
  • Level: Main

Primary Bedroom

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 285
  • Dimensions: 15x19

Property

Details

  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Composite,Deck
  • Exterior features: None
  • Frontage length: 70'

Lot

  • Lot size: 9,452 sqft
  • Features: Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Garage,Garage Door Opener
  • 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
  • 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 $3,626$43,512
Home Insurance *$359$4,308
Property Taxes $633$7,596
Electricity $255$3,060
Total$4,873$58,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,074/yr
40% on housing$146,190/yr
45% on housing$129,946/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

$215This 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
2026-05-13Price change$724,849
2026-04-25Price change$734,849
2025-11-13Listed for sale$748,849

New Construction Spec

AgentGia M Linville
BrokerageConsort Realty, LLC

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