1040 S Main St, Saint Charles, MO, 63301
About This Home
Set along a cobblestone street lined by historic homes and storefronts in the heart of historic St. Charles, Katy Trail Place offers a rare blend of timeless charm and modern comfort. This is a boutique luxury townhome development offering just 14 thoughtfully designed townhomes steps from the iconic Katy Trail, Main Street shopping and dining, and the scenic Missouri Riverfront. Every detail — from the architecture to the amenities — reflects a commitment to craftsmanship and creating a lasting sense of place for residents. Each townhome features curated interior finishes, open-concept living spaces, and private outdoor areas—perfect for those seeking a low-maintenance lifestyle with high-end style without sacrificing space, style, or quality. With walkability to parks, breweries, boutiques, and weekend festivals, Katy Trail Place delivers the best of St. Charles living in an unbeatable location.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Construction materials: Brick Veneer,Concrete,HardiPlank Type
Other
- Builder name: Njl Custom Homes
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Dryer,Microwave,Free-Standing Gas Range,Refrigerator,Washer,Water Heater
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Elevator
- Flooring: Carpet,Ceramic Tile,Hardwood
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 2,821
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,821 sqft
Property
Details
- Attached to another structure: Yes
- Special condition: Standard
Features
- Levels: Two
Lot
- Features: Adjoins Common Ground
Parking
- Total spaces: 3
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Earthquake
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Cold Wave
- Heat Wave
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,905 | $70,860 |
| Home Insurance * | $679 | $8,148 |
| Property Taxes | $1,031 | $12,372 |
| Electricity | $215 | $2,585 |
| Total | $7,830 | $93,960 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-14 | Listed for sale | $1,167,900 |
New Construction
View on Zillow