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1401 Santa Maria St, Saint Charles, MO, 63303

3beds
2baths
1,280sqft
$49,000
$38price/sqft
$459/moest. monthly cost
$18,360/yrincome needed

About This Home

This 16'x80' manufactured home is located in the Town West subdivision. Located in a great school district. 3 beds/2 bath. Large lot with firepit and 2 sheds. You must be approved by the Town West office before moving in. Lot rent is $650 per month.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Harvest Ridge Elementary SchoolGrades PK-50.4 mi
8/10
Barnwell Middle SchoolGrades 6-81.8 mi
8/10
Francis Howell North High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1995

Type & Style

  • Home type: MobileManufactured

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 1,280 sqft

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

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
Inland Flooding
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 $247$2,964
Home Insurance *$28$336
Property Taxes $43$516
Electricity $141$1,693
Total$459$5,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$18,360/yr
35% on housing$15,737/yr
40% on housing$13,770/yr
45% on housing$12,240/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

$38This listing

vs Other Active Listings

Avg $/sqft

ZIP 63303$197
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63303$158
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
2026-04-16Listed for sale$55,000

For Sale by Owner

Phone(314) 265-9326
View on Zillow

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