See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1451 Highway F, Defiance, MO, 63341

3beds
3baths
1,944sqft
$599,900
$309price/sqft
$4,028/moest. monthly cost
$161,120/yrincome needed

About This Home

Rarely does an opportunity like this come available in Defiance! Located in the beautiful Femme Osage valley, nestled on approximately 9 picturesque acres, this 3 bed, 2.5 bath home offers the perfect blend of privacy, space, and everyday comfort. Step inside to find hardwood floors throughout the main level, leading to a well-appointed kitchen featuring granite countertops and stainless-steel appliances. The main floor primary suite provides convenience and retreat with a private bath, while upstairs offers two spacious bedrooms and a full bath! The finished lower level adds additional living and entertaining space, complete with built-in shelving for your media setup. One of the true highlights of the home is the stunning four seasons room with floor-to-ceiling windows and skylights, bringing in natural light and offering year-round views of the surrounding landscape. Step outside to the expansive wrap-around deck—perfect for enjoying everything this incredible property has to offer. With an attached 2-car garage and ample driveway parking, this property combines functionality with a truly rare acreage setting you won’t want to miss.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
8/10
10/10

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Dryer,Plumbed For Ice Maker,Microwave,Electric Oven,Electric Range,Refrigerator,Washer,Electric Water Heater,Water Softener
  • Laundry features: In Basement,Electric Dryer Hookup,Washer Hookup

Basement

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

Bathroom

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

Bathroom

  • Level: Second
  • Area: 24
  • Dimensions: 6x4

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 132
  • Dimensions: 11x12

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Second
  • Area: 120
  • Dimensions: 10x12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Wood
  • Area: 133
  • Dimensions: 7x19

Features

  • Built-in Features,Ceiling Fan(s),Dining/Living Room Combo,Entrance Foyer,Granite Counters,High Ceilings,Shower,Tub,Workshop/Hobby Area
  • Door features: Sliding Doors
  • Window features: Skylight(s)
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 402
  • Finished area above ground: 1,542

Heating & Cooling

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

Interior Area

  • Total structure area: 1,944
  • Total interior livable area: 1,944 sqft

Kitchen

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 110
  • Dimensions: 10x11

Living Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 180
  • Dimensions: 12x15

Primary Bathroom

  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 154
  • Dimensions: 11x14

Recreation Room

  • Features: Floor Covering: Carpeting
  • Level: Basement
  • Area: 476
  • Dimensions: 17x28

Property

Details

  • Parcel number: 30093S019000004.1000000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Deck,Enclosed,Glass Enclosed,Side Porch
  • Exterior features: Balcony,Basketball Court
  • Fencing: None
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 9.25 Acres
  • Features: Gently Rolling,Irregular Lot,Secluded
  • Lot size dimensions: See survey

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Attached,Concrete,Driveway,Garage,Garage Door Opener,Gravel,Inside Entrance,Kitchen Level,Unpaved
  • 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

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

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Landslide
Strong Wind
Tornado
Winter Weather
Earthquake
Heat Wave
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 $3,033$36,396
Home Insurance *$318$3,816
Property Taxes $529$6,348
Electricity $148$1,781
Total$4,028$48,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,102/yr
40% on housing$120,840/yr
45% on housing$107,413/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

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 63341$794
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63341$209
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
2026-05-01Listed for sale$699,900

For Sale by Agent

AgentMatthew H Lauman
BrokerageMagnolia Real Estate

Similar Homes