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1059 Black Bear Dr, House Springs, MO, 63051

2beds
3baths
1,378sqft
$304,900
$221price/sqft
$2,151/moest. monthly cost
$86,040/yrincome needed

About This Home

New McBride Homes St. James 2-story 3 BR, 2.5 BA is ready now! Perfect for entertaining with an open floorplan, 6’ windows, wood laminate flooring, & a spacious family room with a ceiling fan. The kitchen features level 4 Brellin White 42” cabinets, breakfast bar, quartz countertops, & stainless-steel GE appliances. Dining area offers sliding glass doors leading to the backyard. Upstairs the primary suite has a walk-in closet & private bathroom with 5ft walk-in shower. 2 additional bedrooms, laundry area & a full bath add convenience. One car garage w/coach lights, matte black fixtures, ceiling fan prewires, main floor powder room, white 2 panel interior doors, & more! The LL includes ¾ bath rough-in for future finish. Located in House Springs, this community features 263 homesites off Bear Creek Road, just east of Gravois Road & Carol Park Road. Enjoy peace of mind with McBride Homes’ 10-year builders warranty & incredible customer service! Similar photos shown.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

3/10
Northwest Valley SchoolGrades 6-81.5 mi
6/10
Northwest High SchoolGrades 9-126.1 mi

Construction

Condition

  • New construction: Yes

Materials

  • Construction materials: Frame,Vinyl Siding

Other

  • Builder name: Mcbride 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,Electric Range

Basement

  • Has basement: Yes
  • Basement: Concrete,Full

Bedroom2

  • Level: Upper
  • Area: 130
  • Dimensions: 10x13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Family Room

  • Level: Main
  • Area: 221
  • Dimensions: 13x17

Features

  • Breakfast Room,Ceiling Fan(s),Entrance Foyer,Kitchen/Dining Room Combo,Open Floorplan,Pantry,Walk-In Closet(s)
  • Finished area above ground: 1,378

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,378 sqft

Kitchen

  • Level: Main
  • Area: 81
  • Dimensions: 9x9

Primary Bedroom

  • Level: Upper
  • Area: 182
  • Dimensions: 14x13

Property

Details

  • Parcel number: 0370350100101503
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Features: Other

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Heat Wave
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 $1,541$18,492
Home Insurance *$266$3,192
Property Taxes $203$2,436
Electricity $141$1,693
Total$2,151$25,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,748/yr
40% on housing$64,530/yr
45% on housing$57,360/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 63051$141
Jefferson County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63051$170
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
2026-02-06Price change$304,900
2025-12-21Price change$309,609
2025-12-16Listed for sale$309,971

New Construction Spec

AgentPamela Chyba
BrokerageListWithFreedom.com Inc

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