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110 Cottle Creek Way, Cottleville, MO, 63304

3beds
3baths
2,016sqft
$440,000
$218price/sqft
$3,040/moest. monthly cost
$121,600/yrincome needed

About This Home

Welcome to Lombardo Homes’ newest luxury modern lifestyle community—Crooked Creek at Cottleville Trails—ideally located in the heart of Cottleville. This thoughtfully planned neighborhood features the new Lifestyle 2-Story Townhomes and exceptional resort-style amenities, including a community pool and poolhouse, scenic walking trails, playgrounds, and inviting outdoor gathering spaces—all ready for the upcoming season. The Wakefield floor plan offers a rare and desirable layout with a main-level primary suite and dramatic 2-story Great Room. This 3-bedroom, 2.5-bath home includes a 2-car rear-entry garage and over 2,000 sq. ft. of well-designed living space. The open main level features a spacious kitchen with adjoining dining area, powder room, family entry, and soaring Great Room. Upstairs you’ll find two additional bedrooms, a loft, laundry room, large walk-in closets, and added storage. A full basement provides excellent future finishing potential. Designer-selected finishes include stainless steel appliances, upgraded cabinetry with hardware, quartz kitchen countertops, tile backsplash, luxury vinyl plank flooring, recessed lighting, a linear fireplace with wood mantel, and stylish metal stair spindles. Zoned HVAC enhances comfort and efficiency. Currently under construction with anticipated June 2026 completion. Limited golf-cart parking/storage is available for lease on a first-come basis—perfect for enjoying the Cottleville lifestyle.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
Warren Elementary SchoolGrades K-51.6 mi
6/10
Saeger Middle SchoolGrades 6-81.2 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Blown-In Insulation,Brick,Concrete,Ducts Professionally Air-Sealed,Frame,Stucco,Vinyl Siding

Other

  • Builder name: Lombardo Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Electric Oven,Electric Range,Electric Water Heater
  • Laundry features: 2nd Floor

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),High Ceilings,Kitchen Island,Kitchen/Dining Room Combo,Open Floorplan,Separate Dining,Shower,Smart Thermostat,Solid Surface Countertop(s),Storage,Two Story Entrance Foyer,Walk-In Closet(s)
  • Door features: Panel Door(s)
  • Flooring: Carpet,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area above ground: 2,016

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 2,016 sqft

Property

Details

  • Special condition: Standard

Features

  • Levels: Two
  • Has view: Yes

Lot

  • Features: Adjoins Common Ground,Adjoins Open Ground,Views

Parking

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

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

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Cold Wave
Earthquake
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 $2,224$26,688
Home Insurance *$275$3,300
Property Taxes $388$4,656
Electricity $153$1,847
Total$3,040$36,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,228/yr
40% on housing$91,200/yr
45% on housing$81,066/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

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$188
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$455,000
2026-05-06Price change$450,000
2026-02-26Listed for sale$449,815

New Construction

AgentMike Price
BrokerageLombardo Homes of St. Louis, LLC

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