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1002 Hemingway Ln Unit H, Saint Charles, MO, 63304

3beds
2baths
1,616sqft
$275,000
$170price/sqft
$1,944/moest. monthly cost
$77,760/yrincome needed

About This Home

Welcome to the highly sought-after Chapter One community, where convenience meets resort-style living! Ideally located near major roads and highways, this exceptional upper level condo is surrounded by lush green spaces and offers access to a picturesque lake with fountain, clubhouse, swimming pool and tennis courts. This rare, versatile floor plan features a vaulted primary suite with luxurious adjoining bath, a spacious secondary bedroom with walk-in closet and an incredible 300-square-foot vaulted bonus room above the garage with its own private front entry. Perfect as a third bedroom, home office, craft room, hobby space, or personal retreat! Enjoy two inviting outdoor living areas, including a welcoming entry deck and a spacious entertaining deck off the dining room that showcases a bump-out for expanded gathering space. You'll be captivated by the spectacular cedar-planked vaulted ceiling spanning the great room, dining area and open kitchen. Skylights, half-moon stained-glass windows, abundant natural light, warm neutral paint, beautiful laminate flooring and a classic brick-front wood-burning fireplace with electric insert, elegant overmantel and custom built-ins create an unforgettable living space. The renovated kitchen shines with abundant white cabinetry, granite countertops, modern hardware, garden window and updated appliances. The spacious primary bath offers a Jacuzzi tub, separate shower, adult-height double vanity and skylight. Additional highlights include main-floor laundry, six-panel doors, updated lighting, window blinds, thermal windows, A/Coil 2025, two-car garage w/insulated door, home warranty and refrigerator, washer and dryer included. An outstanding opportunity and exceptional value combining impressive style, rich warmth and tremendous upgrades.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
8/10
10/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Cedar,Wood Siding

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 108
  • Dimensions: 12x9

Features

  • Bookcases,Breakfast Bar,Double Vanity,Kitchen/Dining Room Combo,Open Floorplan,Pantry,Separate Shower,Solid Surface Countertop(s),Vaulted Ceiling(s)
  • Door features: Panel Door(s),Sliding Doors
  • Window features: Insulated Windows,Skylight(s),Window Treatments
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Great Room,Masonry,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,616

Great Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 255
  • Dimensions: 15x17

Heating & Cooling

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

Interior Area

  • Total structure area: 1,616
  • Total interior livable area: 1,616 sqft

Kitchen

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 90
  • Dimensions: 10x9

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 176
  • Dimensions: 11x16

Sitting Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 36
  • Dimensions: 9x4

Utility Room

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 64
  • Dimensions: 8x8

Property

Details

  • Parcel number: 3157F59081600H2.1002000
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: Community,In Ground
  • Patio & porch: Deck
  • Fencing: None

Lot

  • Lot size: 836.35 sqft
  • Features: Level

Parking

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

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

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
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 $1,390$16,680
Home Insurance *$171$2,052
Property Taxes $242$2,904
Electricity $141$1,693
Total$1,944$23,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,651/yr
40% on housing$58,320/yr
45% on housing$51,840/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

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$189
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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
2026-08-09Pending sale$275,000
2026-07-31Listed for sale$275,000

For Sale by Agent

AgentKathy G Renaud
BrokerageColdwell Banker Realty - Gundaker

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