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11 Fairways Cir APT E, Saint Charles, MO, 63303

2beds
2baths
1,077sqft
$115,000
$107price/sqft
$890/moest. monthly cost
$35,600/yrincome needed

About This Home

Fantastic location, subdivision pool to enjoy this wonderful summer - like living at a resort. Tons of guest parking plus assigned space 114 right outside the unit and plenty of visitor parking in the community. Main level entry in this 2 bedroom and 2 full bath home. Great room with laminate flooring, step out on the private deck overlooking mature trees. The deck also offers a storage closet PLUS large storage area in the lower level. The kitchen is showcased with granite counter tops & white cabinets. Primary bedroom with full bath. Bedroom 2 with nice closet space. In unit laundry. Common bath with newer vanity. Storm door on entry door. The Bogey Hills Golf Course & Club just steps away. Seller offering a credit to do a new furnace (bid from local company ) Also the association is requiring the electrical wiring to be updated in the units - seller will offer a credit of $1500 for the upgrade.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
8/10
Hardin Middle SchoolGrades 7-82.1 mi
6/10

Construction

Condition

  • Year built: 1973

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: Condo
  • Architectural style: Apartment Style,Traditional
  • Property subType: Condominium,Apartment

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Storage Space

Bedroom2

  • Features: Floor Covering: Laminate
  • Level: Main

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Floor Covering: Laminate
  • Level: Main

Features

  • Finished area above ground: 1,077

Great Room

  • Features: Floor Covering: Laminate
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 1,077
  • Total interior livable area: 1,077 sqft

Kitchen

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

Laundry

  • Level: Main

Primary Bedroom

  • Features: Floor Covering: Laminate
  • Level: Main

Property

Details

  • Parcel number: 6010C499311000E.0000000
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: In Ground
  • Patio & porch: Rear Porch
  • Exterior features: Private Entrance,Storage

Lot

  • Lot size: 949.61 sqft
  • Features: Adjoins Common Ground,Level,Near Golf Course
  • Lot size dimensions: .0218

Parking

  • Total spaces: 1
  • Parking features: Additional Parking,Assigned,Common

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

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Strong Wind
Tornado
Winter Weather
Earthquake
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 $581$6,972
Home Insurance *$67$804
Property Taxes $101$1,212
Electricity $141$1,693
Total$890$10,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,514/yr
40% on housing$26,700/yr
45% on housing$23,733/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

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 63303$196
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63303$158
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
2026-08-10Pending sale$110,000
2026-08-06Price change$110,000
2026-07-10Price change$115,000
2026-06-24Listed for sale$120,000
2008-10-20Sold--

For Sale by Agent

AgentSusan M Brewer
BrokerageSusan Brewer Service First RE

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