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649 N Lafitte Dr, Bonne Terre, MO, 63628

4beds
3baths
2,040sqft
$389,900
$191price/sqft
$2,747/moest. monthly cost
$109,880/yrincome needed

About This Home

This beautifully crafted new construction home is packed with upgrades from top to bottom. The builder’s pride shows in every detail — from the 5/8 engineered wood flooring, crown molding throughout, and tall baseboards, to the upgraded carpet and padding in the bedrooms. Even the lighting fixtures were chosen for quality and style, giving the home a warm, finished feel. The home offers 4 bedrooms (with the 4th featuring custom wainscoting and a built-in desk, perfect for an office), 2.5 baths, and located next to Lac Lafitte. The kitchen is loaded with high-end touches including custom cabinetry, quartz countertops, a pot filler, propane 6-burner cooktop, built-in oven/microwave, breakfast bar, and a built-in wine rack. You’ll love the spacious laundry room with built-in cabinets and a folding counter, plus a handy mudroom drop zone with bench seating and hooks right off the garage. The living room features a cozy propane fireplace, and the 10-ft ceilings add an open, airy feel throughout the main level. The oversized 2-car garage offers 11-ft ceilings for extra storage. Outside, the fresh Bermuda baseball sod and landscaping lead you to a welcoming covered front porch — the perfect spot for morning coffee or evening tea. The backyard includes a natural rock firepit area, ideal for gatherings, plus a covered side patio ready for your BBQs. Quality, comfort, and thoughtful design come together beautifully in this home.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

5/10
5/10
7/10
West County High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Stainless Steel Appliance(s),Propane Cooktop,Dishwasher,Exhaust Fan,Built-In Electric Oven,ENERGY STAR Qualified Refrigerator,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bathroom2

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 63
  • Dimensions: 9x7

Bathroom3

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 28
  • Dimensions: 7x4

Bathroom4

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Dining Room

  • Features: Floor Covering: Wood Engineered
  • Level: Main
  • Area: 208
  • Dimensions: 13x16

Features

  • Breakfast Bar,Ceiling Fan(s),Crown Molding,Custom Cabinetry,High Speed Internet,Kitchen Island,Separate Dining,Separate Shower,Walk-In Closet(s)
  • Door features: Panel Door(s),Pocket Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Ceramic Tile,See Remarks
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Propane
  • Fireplace: Yes
  • Finished area above ground: 2,040

Heating & Cooling

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

Interior Area

  • Total structure area: 2,040
  • Total interior livable area: 2,040 sqft

Kitchen

  • Features: Floor Covering: Wood Engineered
  • Level: Main
  • Area: 272
  • Dimensions: 16x17

Laundry

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Living Room

  • Features: Floor Covering: Wood Engineered
  • Level: Main
  • Area: 304
  • Dimensions: 16x19

Primary Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 84
  • Dimensions: 12x7

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 304
  • Dimensions: 19x16

Property

Details

  • Parcel number: 078028020060028.00
  • Special condition: Standard

Features

  • Levels: One
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • Waterbody name: Lac Lafitte

Lot

  • Lot size: 0.35 Acres
  • Features: Adjoins Wooded Area,Landscaped

Parking

  • Total spaces: 6
  • Parking features: Driveway,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Flood
Tornado

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 $1,971$23,652
Home Insurance *$417$5,004
Property Taxes $204$2,448
Electricity $155$1,869
Total$2,747$32,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,182/yr
40% on housing$82,410/yr
45% on housing$73,253/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 63628$151
St. Francois County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 63628$134
St. Francois County$143

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
2026-05-10Listed for sale$499,000

New Construction

AgentTracey Wibbenmeyer
BrokerageRE/MAX Best Choice

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