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1 Carter At Charlestowne Lndg, Saint Charles, MO, 63301

4beds
2baths
2,138sqft
$503,900
$236price/sqft
$3,448/moest. monthly cost
$137,920/yrincome needed

About This Home

This 4 Bedroom Ranch Style Home "To Be Built" is our New Design that can be built on one of the few remaining lots in Charlestowne Landing. The Kitchen & Breakfast room are very large & open to the Great Room. The Stairs are open to the Lower Level & are 4' wide. The Kitchen Includes an Island that can be Enlarged, Soft Close Cabinets & Drawers, a Walk In Pantry & GE Appliances. The Primary Bath includes a Separate 6' tub & Separate 5' shower with a water closet & linen closet. The Main Floor Laundry Room also Includes a Standard Closet & has the Option to open into the Large Primary Walk in Closet which makes it so convenient. Other Features Include Architectural Shingles, Enclosed Soffits & Fascia, Satin Nickle Hardware, Concrete Patio, Egress Window & a Fully Sodded Yard.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
6/10
6/10

Construction

Condition

  • Property condition: To Be Built
  • New construction: Yes

Materials

  • Roof: Architectural Shingle
  • Construction materials: Batts Insulation,Blown-In Insulation,Brick Veneer,Vinyl Siding

Other

  • Builder name: T.R. Hughes Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Range
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Basement

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

Bathroom4

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Breakfast Room

  • Level: Main
  • Area: 208
  • Dimensions: 16x13

Features

  • Breakfast Room,Custom Cabinetry,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
  • Door features: Sliding Doors
  • Window features: Double Pane Windows,Insulated Windows,Tilt-In Windows
  • Finished area above ground: 2,138

Great Room

  • Level: Main
  • Area: 306
  • Dimensions: 18x17

Heating & Cooling

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

Interior Area

  • Total structure area: 2,138
  • Total interior livable area: 2,138 sqft

Kitchen

  • Level: Main
  • Area: 208
  • Dimensions: 16x13

Laundry

  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Primary Bedroom

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Property

Details

  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Patio

Lot

  • Features: Back Yard,Front Yard,Open Lot

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

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

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
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 $2,547$30,564
Home Insurance *$293$3,516
Property Taxes $445$5,340
Electricity $163$1,959
Total$3,448$41,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,217/yr
40% on housing$103,440/yr
45% on housing$91,946/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

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 63301$186
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63301$195
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
2026-03-01Price change$503,900
2026-01-09Price change$498,900
2026-01-07Price change$488,900
2025-12-08Listed for sale$540,900

New Construction

AgentKristin A Gansman
BrokerageSTL Buy & Sell, LLC

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