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4323 Bear Ridge Dr, House Springs, MO, 63051

4beds
3baths
1,902sqft
$389,900
$205price/sqft
$2,715/moest. monthly cost
$108,600/yrincome needed

About This Home

New McBride Homes Sterling 4BR 2.5BA will be ready this spring! Great for gatherings, the extended option main floor has wood laminate flooring & 6’ windows. Off the foyer, you’ll find a living room or home office space that leads into a family room with ceiling fan, kitchen, & powder room. The kitchen has a center island w/extended top, quartz countertops, Landen Burlap 42” cabinets, walkin pantry, & stainless GE appliances. The dining area has a sliding glass door to the backyard. Upstairs you’ll find the primary suite w/a walkin closet, private bath w/double sinks & linen closet. 3 extra bedrooms, full bath & laundry area add convenience. Extras include 6 panel white interior doors, upgraded fixtures & ¾ bath rough-in at LL. 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
0
BikeNot Bike Friendly

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

  • Roof: Composition
  • 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: 140
  • Dimensions: 10x14

Bedroom3

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

Bedroom4

  • Level: Upper
  • Area: 100
  • Dimensions: 10x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Family Room

  • Level: Main
  • Area: 182
  • Dimensions: 13x14

Features

  • Finished area above ground: 1,902

Heating & Cooling

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

Interior Area

  • Total structure area: 1,902
  • Total interior livable area: 1,902 sqft

Kitchen

  • Level: Main
  • Area: 117
  • Dimensions: 9x13

Living Room

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

Primary Bedroom

  • Level: Upper
  • Area: 196
  • Dimensions: 14x14

Property

Details

  • Parcel number: N/A
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Features: Other

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
  • 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 $1,971$23,652
Home Insurance *$340$4,080
Property Taxes $259$3,108
Electricity $145$1,742
Total$2,715$32,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,085/yr
40% on housing$81,450/yr
45% on housing$72,400/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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 63051$140
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
2026-04-11Price change$389,900
2026-04-02Price change$401,321
2026-03-17Price change$404,321
2026-03-01Price change$401,321
2026-01-22Listed for sale$398,321

New Construction Spec

AgentPamela Chyba
BrokerageListWithFreedom.com Inc

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