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3661 S Lakeshore Dr, Byrnes Mill, MO, 63051

4beds
3baths
2,625sqft
$630,000
$240price/sqft
$4,355/moest. monthly cost
$174,200/yrincome needed

About This Home

Welcome to 3661 S Lakeshore Drive—an extraordinary, FULLY FURNISHED lakefront sanctuary in the coveted Lake Montowese community, complete with a like new pontoon boat for effortless days on the water. Just a short drive from St. Louis, this exceptional property offers serene lake living and proximity to shopping and highway access. From the moment you enter, floor to ceiling windows capture sweeping views of Lake Montowese, infusing the home with natural light, and creating an immediate sense of calm. The open, sophisticated layout is ideal for both grand entertaining and relaxed everyday living. The gorgeous gourmet kitchen features high-end appliances and plenty of storage in the custom cabinets and walk-in pantry. Enjoy an oversized separate dining room - perfect for hosting gatherings or enjoying casual meals with family and friends. The retro inspired bar opens directly to the patio, creating a seamless indoor outdoor experience designed for lakeside entertaining. An updated half bath and storage/laundry room complete this level. Upstairs, four spacious bedrooms provide comfort and privacy, with the primary suite offering balcony access for peaceful mornings overlooking the water PLUS a nicely updated primary bath. The additional 3 bedrooms offer ample closet space and easy access to the updated full bath. There is also access from the fourth bedroom directly to the upper outdoor balcony. Step outside to a beautifully landscaped yard and access to dock the boat with ease. Hop on for a last-minute sunset cruise – the sunsets really are amazing! Enjoy coffee on the balcony, sunset dinners on the patio, and weekend grilling on the built-in outdoor grill —all while taking in the tranquil beauty of the lake. Everyday feels like a getaway – make this gorgeous home your retreat!

Getting Around

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

Schools

4/10
Northwest Valley SchoolGrades 6-81.5 mi
6/10
Northwest High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1968

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Free-Standing Freezer,Microwave,Gas Oven,Range Hood,Refrigerator,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom2

  • Features: Floor Covering: Wood Engineered
  • Level: Upper
  • Area: 126
  • Dimensions: 14x9

Bedroom3

  • Features: Floor Covering: Wood Engineered
  • Level: Upper
  • Area: 200
  • Dimensions: 10x20

Bedroom4

  • Features: Floor Covering: Wood Engineered
  • Level: Upper
  • Area: 88
  • Dimensions: 11x8

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Vinyl
  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Features

  • Bar,Breakfast Bar,Custom Cabinetry,Separate Dining,Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Great Room
  • Fireplace: Yes
  • Finished area above ground: 2,625

Great Room

  • Features: Floor Covering: Wood Engineered
  • Level: Main
  • Area: 550
  • Dimensions: 22x25

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,625
  • Total interior livable area: 2,625 sqft

Kitchen

  • Features: Floor Covering: Vinyl
  • Level: Main
  • Area: 182
  • Dimensions: 13x14

Other

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

Primary Bedroom

  • Features: Floor Covering: Wood Engineered
  • Level: Upper
  • Area: 252
  • Dimensions: 14x18

Storage

  • Features: Floor Covering: Concrete
  • Level: Main
  • Area: 234
  • Dimensions: 13x18

Property

Details

  • Parcel number: 038.027.01002023
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Patio
  • Exterior features: Balcony,Gas Grill,Lighting,Uncovered Courtyard
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake Front

Lot

  • Lot size: 0.30 Acres
  • Features: Landscaped,Some Trees,Waterfront

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

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

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Lightning
Tornado
Earthquake
Hail
Heat Wave
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 $3,185$38,220
Home Insurance *$550$6,600
Property Taxes $420$5,040
Electricity $200$2,405
Total$4,355$52,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,314/yr
40% on housing$130,650/yr
45% on housing$116,133/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 63051$139
Jefferson County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 63051$170
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
2026-08-08Price change$615,000
2026-07-22Listed for sale$630,000
2025-09-05Sold--
2025-08-18Pending sale$595,000
2025-08-12Listed for sale$595,000
2021-07-15Sold--
2021-05-18Pending sale$379,900
2021-05-18Contingent$379,900
2021-05-07Listed for sale$379,900

For Sale by Agent

AgentLauren Daugherty
BrokerageRedKey Realty Leaders

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