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4118 Harbor Towne Dr, High Ridge, MO, 63049

6beds
6baths
4,139sqft
$719,000
$174price/sqft
$4,983/moest. monthly cost
$199,320/yrincome needed

About This Home

OPEN HOUSE: Saturday May 16th 11-1 and Sunday May 17th 12-2! Welcome home to this beautifully renovated 6 bedroom, 6 bathroom retreat nestled within nearly 3 acres of mature, wooded privacy. From the moment you arrive, the warm and welcoming open layout draws you in with soaring vaulted ceilings with exposed wood beams, rich warm-toned trim, and slate-toned tile floors flowing throughout. Two fireplaces anchor the living spaces, creating that cozy, come-as-you-are feeling that makes this home truly special. The lot features about 600' of frontage to the pond, offering beautiful view during your morning coffee to wrapping up the day watching the sunset over the water. The state-of-the-art kitchen is a showstopper, featuring dark granite countertops, a herringbone tile backsplash, stainless steel appliances, a large island with seating, and a charming breakfast nook giving you everything you need to cook, gather, and entertain. Oversized bedrooms offer generous space and comfort throughout, while the stunning primary suite serves as its own private escape with vaulted ceilings, French doors to the rear deck, a marble-look soaking tub, and a frameless glass shower. First floor laundry and 2 new HVAC systems and new furnace keep everyday living effortless. Head downstairs to the fully finished walkout basement, complete with a full wet bar, rec room, family room, a private bedroom and full bath. All opening directly to your finished backyard and sparkling inground pool. The main floor wraps to a full walk-around deck across the entire rear of the home, where wooded views and fresh air make every morning feel like a getaway. Fullfilling the car lovers dream, the detach garage is built to match the home, featuring a built in car lift, skylights, gables, a wood burning heater, eletric, and a concrete foundation. Accommodating up to 7 cars, the opportunities are endless with this rare find just steps away from the house. This home beautifully blends timeless luxury with a warm countryside appeal that simply cannot be replicated. And HOA fee is voluntary for road dues.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Wood Ridge Middle SchoolGrades 6-80.9 mi
6/10
Northwest High SchoolGrades 9-129.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1994

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s)
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Finished,Full,Other,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 20
  • Dimensions: 4x5

Bathroom

  • Level: First
  • Area: 35
  • Dimensions: 7x5

Bathroom

  • Level: First
  • Area: 45
  • Dimensions: 5x9

Bathroom

  • Level: Basement
  • Area: 108
  • Dimensions: 9x12

Bathroom2

  • Level: Main
  • Area: 15
  • Dimensions: 5x3

Bedroom

  • Level: Basement
  • Area: 187
  • Dimensions: 17x11

Bedroom2

  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: First
  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Level: First
  • Area: 270
  • Dimensions: 15x18

Bedroom5

  • Level: First
  • Area: 400
  • Dimensions: 20x20

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2
  • Main level bathrooms: 3
  • Main level bedrooms: 1

Bonus Room

  • Level: Basement
  • Area: 72
  • Dimensions: 12x6

Dining Room

  • Level: Main
  • Area: 187
  • Dimensions: 17x11

Features

  • Bar,Beamed Ceilings,Breakfast Bar,Ceiling Fan(s),Dry Bar,Granite Counters,High Ceilings,Pantry,Master Downstairs
  • Door features: Sliding Doors
  • Window features: Double Pane Windows
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 2
  • Fireplace features: Basement,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,370
  • Finished area above ground: 2,769

Game Room

  • Level: Basement
  • Area: 289
  • Dimensions: 17x17

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Dual,Electric

Interior Area

  • Total structure area: 4,139
  • Total interior livable area: 4,139 sqft

Kitchen

  • Level: Main
  • Area: 399
  • Dimensions: 21x19

Laundry

  • Level: Main
  • Area: 40
  • Dimensions: 8x5

Living Room

  • Level: Main
  • Area: 418
  • Dimensions: 19x22

Primary Bathroom

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Primary Bedroom

  • Level: Main
  • Area: 374
  • Dimensions: 22x17

Recreation Room

  • Level: Basement
  • Area: 704
  • Dimensions: 22x32

Property

Details

  • Parcel number: 023.007.04002006.07
  • Special condition: Standard

Features

  • Levels: Two
  • Private pool: Yes
  • Pool features: In Ground,Outdoor Pool,Private
  • Patio & porch: Deck
  • Exterior features: Balcony,Entry Steps/Stairs,Private Yard
  • Fencing: Other

Lot

  • Lot size: 2.81 Acres
  • Features: Adjoins Common Ground,Adjoins Wooded Area,Back Yard,Near Golf Course,Secluded

Parking

  • Total spaces: 10
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 10
  • Covered spaces: 10

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
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 $3,635$43,620
Home Insurance *$553$6,636
Property Taxes $479$5,748
Electricity $316$3,792
Total$4,983$59,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,845/yr
40% on housing$149,490/yr
45% on housing$132,880/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 63049$136
Jefferson County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63049$162
Jefferson County$171

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
2026-05-01Price change$794,900
2026-04-09Listed for sale$847,000

For Sale by Agent

AgentAnthony S LaRocca
BrokerageThe Hermann London Group LLC

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