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215 Rugged Acres, Defiance, MO, 63341

3beds
2baths
2,013sqft
$650,000
$323price/sqft
$4,358/moest. monthly cost
$174,320/yrincome needed

About This Home

Custom built, beautifully crafted home with over 2,000 sq feet of living space with luxury finishes. Located on 5 unrestricted acres, mostly wooded, outside New Melle in the heart of wine country. Private and peacefully located with access to major roads, living in country with easy access to all modern conveniences. Stepping Inside you are greeted with soaring 10' ceilings, open floor plan from the foyer, great room, kitchen with Quartz countertops, large center Island, walk in pantry, and beverage center in dining area, perfect for entertaining. The primary suite offers a relaxing retreat, custom tiled walk-in showers, soaking tub, WIC. Other two bedrooms and full bath (it also has custom tile work) are located across the great room. The main floor has a laundry room with custom tile, built ins and walks out to the deep, oversized 3 car garage. Open staircase off the foyer opens to an unfinished walk out basement, full bath rough in, just waiting for your endless creativity to personalize it. Outside you will enjoy the natural stone landscaping and your private woods. Located in the Francis Howell School District. Must have confirmed appointment to show.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
8/10
10/10

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modern,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Electric Range,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Storage Space,Unfinished,Walk-Out Access

Bathroom2

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 45
  • Dimensions: 5x9

Bedroom2

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Bedroom3

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 288
  • Dimensions: 16x18

Features

  • Breakfast Bar,Custom Cabinetry,Dry Bar,Entrance Foyer,Kitchen Island,Open Floorplan,Recessed Lighting,Separate Shower,Shower,Soaking Tub,Solid Surface Countertop(s),Walk-In Pantry
  • Door features: Panel Door(s),Storm Door(s)
  • Window features: Tilt-In Windows
  • Flooring: Ceramic Tile,Luxury Vinyl,Plank
  • Finished area above ground: 2,013

Great Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 437
  • Dimensions: 19x23

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,013
  • Total interior livable area: 2,013 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 225
  • Dimensions: 15x15

Laundry

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 78
  • Dimensions: 13x6

Primary Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Primary Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 240
  • Dimensions: 15x16

Property

Details

  • Parcel number: 30077S011000006.9100000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch
  • Fencing: None
  • Frontage length: 286

Lot

  • Lot size: 4.99 Acres
  • Features: Adjoins Wooded Area,Front Yard,Level,Natural Foliage,Private
  • Lot size dimensions: 306/286 x 711/569

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Garage Door Opener,Garage Faces Front,Off Street,Open
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Landslide
Strong Wind
Tornado
Winter Weather
Earthquake
Heat Wave
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 $3,286$39,432
Home Insurance *$345$4,140
Property Taxes $574$6,888
Electricity $153$1,844
Total$4,358$52,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,417/yr
40% on housing$130,740/yr
45% on housing$116,213/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

$323This listing

vs Other Active Listings

Avg $/sqft

ZIP 63341$791
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63341$209
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
2026-04-21Listed for sale$650,000

For Sale by Agent

AgentDolly K Sjoholm
BrokerageCall Dolly, LLC

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