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3700 Nadler Rd, Unincorporated, MO, 63385

4beds
4baths
4,500sqft
$1,450,000
$322price/sqft
$9,788/moest. monthly cost
$391,520/yrincome needed

About This Home

Welcome to The Summit at Penelope Valley, an intimate 19-homesite enclave featuring 5–8 acre lots and a rare blend of luxury, privacy, and intentional design. This to be built home offered by Lux Building Group. This custom luxury ranch was thoughtfully designed for effortless living with a timeless modern organic aesthetic throughout. Warm white oak floors, rustic beams, screened cabinet details, honed granite surfaces, gold fixtures, and curated textures create a refined yet inviting atmosphere. The luxury primary suite serves as a private retreat featuring a custom walk-in closet with direct laundry access, heated floors, an oversized walk-in shower, and a freestanding soaking tub. The white oak kitchen is both functional and striking with concealed pantry access, rustic beam accents, and elevated designer finishes throughout. Offering 3 bedrooms and 4 full baths, the home also includes a dedicated gym and private office—both featuring their own bathrooms and easily convertible into additional bedrooms for up to 5 bedrooms total. Outdoor living shines with a screened porch showcasing barnwood ceilings, indirect ambient lighting, and a cozy fireplace perfect for year-round enjoyment. The finished lower level is built for entertaining with acid-stained floors, a media room, wet bar, game area, and two additional full bathrooms. Completing the property is a spacious 3-car auto court garage, all set within one of the area’s most exclusive acreage communities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

9/10
8/10
10/10

Construction

Condition

  • Property condition: New Construction,To Be Built
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick,Fiber Cement,Stone,Stone Veneer

Other

  • Builder name: Lux Building Group Llc

Type & Style

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

Interior

Appliances

  • Appliances included: Propane Cooktop,ENERGY STAR Qualified Dishwasher,Disposal,Exhaust Fan,Instant Hot Water,Humidifier,Microwave,Built-In Electric Oven,Built-In Gas Oven,Double Oven,Propane Water Heater,Range Hood,Built-In Gas Range,Gas Water Heater,Water Purifier,Wine Refrigerator,Bar Fridge
  • Laundry features: Main Level,See Remarks

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Sump Pump,Walk-Out Access,Walk-Up Access

Bedroom2

  • Features: Floor Covering: Wood
  • Level: Main

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Lower

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Floor Covering: Wood
  • Level: Main

Family Room

  • Features: Floor Covering: Concrete
  • Level: Lower

Features

  • Bar,Beamed Ceilings,Breakfast Bar,Breakfast Room,Built-in Features,Butler Pantry,Ceiling Fan(s),Chandelier,Coffered Ceiling(s),Custom Cabinetry,Double Vanity,Entrance Foyer,High Speed Internet,Kitchen Island,Open Floorplan,Recessed Lighting,Smart Home,Solid Surface Countertop(s),Special Millwork,Tub,Vaulted Ceiling(s),Walk-In Closet(s),Walk-In Pantry,Wet Bar
  • Door features: Atrium Door(s),French Doors,Panel Door(s),Pocket Door(s),Sliding Doors,Storm Door(s)
  • Flooring: Carpet,Ceramic Tile,Hardwood,Other
  • Number of fireplaces: 2
  • Fireplace features: Great Room,Masonry,Outside,Ventless,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 2,000
  • Finished area above ground: 2,500

Gym

  • Features: Floor Covering: Carpeting
  • Level: Lower

Heating & Cooling

  • Heating features: Electric,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Geothermal,Zoned

Interior Area

  • Total structure area: 4,500
  • Total interior livable area: 4,500 sqft

Kitchen

  • Features: Floor Covering: Wood
  • Level: Main

Laundry

  • Features: Floor Covering: Ceramic Tile
  • Level: Main

Living Room

  • Features: Floor Covering: Wood
  • Level: Main

Media Room

  • Features: Floor Covering: Carpeting
  • Level: Lower

Primary Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Main

Primary Bedroom

  • Features: Floor Covering: Wood
  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Central Living Area,Accessible Closets,Accessible Common Area,Accessible Doors,Central Living Area

Details

  • Parcel number: 30029S02400000.0000000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Enclosed,Patio
  • Exterior features: Private Yard
  • Has view: Yes
  • View description: Lake,Panoramic,Pasture,Pond,Trees/Woods,Water
  • Water view: Lake,Pond,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake Front,Pond
  • Horses can be raised: Yes

Lot

  • Lot size: 5 Acres
  • Features: Adjoins Open Ground,Adjoins Wooded Area,Agricultural,Back Yard,Cleared,Corner Lot,Cul-De-Sac,Level,Open Lot,Pond on Lot,Subdivided,Suitable for Horses,Waterfront
  • Lot size dimensions: see survey

Parking

  • Total spaces: 3
  • Parking features: Garage,Garage Door Opener
  • 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

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

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Winter Weather
Earthquake
Heat Wave
Inland Flooding
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 $7,331$87,972
Home Insurance *$834$10,008
Property Taxes $1,280$15,360
Electricity $343$4,123
Total$9,788$117,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$335,588/yr
40% on housing$293,640/yr
45% on housing$261,013/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

$322This listing

vs Other Active Listings

Avg $/sqft

ZIP 63385$196
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63385$181
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
2026-05-20Listed for sale$1,450,000

New Construction

AgentRyan J Farber
BrokerageCompass Realty Group

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