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556 Apple Orchard Ln, Wentzville, MO, 63385

3beds
2baths
1,539sqft
$359,900
$234price/sqft
$2,484/moest. monthly cost
$99,360/yrincome needed

About This Home

McBride Homes’ Aspen II 3BR, 2BA ranch home is ready this spring! Open floorplan with vaulted ceilings, 6’ windows, & wood laminate flooring in main living areas. The kitchen has a large island w/breakfast bar, level 4 Brellin White 42” cabinets, quartz countertops, stainless steel GE appliances, & large walk-in pantry. Dining area has a sliding glass door to a future covered patio area with a ceiling fan prewire. The primary suite has a large window, dual closets & private bath w/double sinks & walk-in shower. Extras include main floor laundry, ¾ bath rough in the LL, matte black fixtures, 6 panel white interior doors, plus garage coach lights. Harvest has nature play area w/ water feature, 13+ ac town square, civic lawn area, food truck court, orchards & pumpkin patch, community gardens, pickle ball & bocce ball courts, playgrounds, trails & more! Enjoy peace of mind w/ McBride Homes 10 yr builders warranty & incredible customer service! Similar Photos Shown.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
Duello Elementary SchoolGrades K-52.0 mi
10/10
Frontier Middle SchoolGrades 6-82.2 mi
9/10
Liberty High SchoolGrades 9-122.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes

Materials

  • Roof: Composition
  • Construction materials: Frame,Vinyl Siding

Other

  • Builder name: Mcbride Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • 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: Main
  • Area: 100
  • Dimensions: 10x10

Bedroom3

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Features

  • Breakfast Room,Ceiling Fan(s),Entrance Foyer,Kitchen/Dining Room Combo,Open Floorplan,Pantry,Separate Shower,Walk-In Closet(s)
  • Finished area above ground: 1,539

Great Room

  • Level: Main
  • Area: 288
  • Dimensions: 18x16

Heating & Cooling

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

Interior Area

  • Total structure area: 1,539
  • Total interior livable area: 1,539 sqft

Kitchen

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

Primary Bedroom

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Property

Details

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

Features

  • Levels: One

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Winter Weather
Earthquake
Heat Wave
Inland Flooding
Lightning

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 $1,819$21,828
Home Insurance *$207$2,484
Property Taxes $317$3,804
Electricity $141$1,693
Total$2,484$29,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,165/yr
40% on housing$74,520/yr
45% on housing$66,240/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 63385$197
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63385$181
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
2026-04-11Price change$392,900
2026-01-28Listed for sale$402,825

New Construction Spec

AgentPamela Chyba
BrokerageListWithFreedom.com Inc

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