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247 Centerfield Dr, O'Fallon, MO, 63366

2beds
3baths
1,371sqft
$310,000
$226price/sqft
$2,177/moest. monthly cost
$87,080/yrincome needed

About This Home

Open House August 8th from 10am-noon! Stunning & Rare Homefield Cottage with 2-Car Garage and Double Lot! Welcome to this exceptional and hard-to-find Homefield Cottage boasting the highly coveted 2-car garage, double lot and resort-style neighborhood amenities right outside your front door! Main Level Features Spacious Living & Dining: Step inside to a bright, welcoming layout featuring a generous living room, marble fireplace, a convenient powder room, and a well-appointed kitchen and breakfast area. House is freshly painted. Kitchen Upgrades: Equipped with a breakfast bar, sleek stainless-steel appliances and updated cabinets. Step out from the kitchen's 3-window bay door onto an amazing brick patio. Upstairs Retreat Loft & Office: The upper level features a versatile loft area, ideal for a playroom, hobby space, 3rd bedroom or home office complete with a dedicated 4x5 office nook. Primary Suite: Relax in the spacious primary bedroom featuring a private en-suite bath with his and her sinks & walk in shower and a massive 10-foot walk-in closet. Additional Space: A second large bedroom and a full hallway bath round out the upper level. Laundry area is conveniently located upstairs and the newer washer and dryer are included. Lower Level & Updates Endless Potential: The full partially finished lower level has a dedicated storage room and provides abundant storage or a blank canvas to expand your living space. House has been freshly painted. Carpets, air ducts and home professionally done. HVAC system has built-in humidity control, part of an Integrated Indoor Air Quality (IAQ) system that combines filtration and humidity control functions. The roof and siding were replaced at the end of 2024. The Homefield Lifestyle For a low monthly fee covering lawn and snow removal, leave your exterior chores behind and spend your free time enjoying Homefield’s incredible neighborhood amenities: 2 Swimming Pools Fishing Lake & Walking Trails Disc Golf Course & Sport Court 2 Party Pavilions & Playgrounds All within an easy walk from your front door! Conveniently located with quick access to major highways, local parks, and festivities. Just walking distance from the O'Fallon Hoots Baseball Stadium! More pictures coming soon

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick Veneer,Concrete,Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Electric Oven,Electric Range,Refrigerator,Washer,Gas Water Heater
  • Laundry features: 2nd Floor

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Full,Storage Space

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Breakfast Room,Ceiling Fan(s),Custom Cabinetry,Entrance Foyer,Kitchen/Dining Room Combo,Open Floorplan,Shower,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Decorative,Gas,Great Room
  • Fireplace: Yes
  • Finished area above ground: 1,371

Heating & Cooling

  • Heating features: Electronic Air Filter,Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Humidity Control

Interior Area

  • Total structure area: 1,371
  • Total interior livable area: 1,371 sqft

Property

Details

  • Parcel number: 20041884700032M.0000000
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Front Porch,Patio

Lot

  • Lot size: 6,542 sqft
  • Features: Adjoins Common Ground,Landscaped,Level

Parking

  • Total spaces: 2
  • Parking features: Concrete,Driveway,Garage,Garage Door Opener,Inside Entrance,Off Street
  • 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 WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
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 $1,567$18,804
Home Insurance *$196$2,352
Property Taxes $273$3,276
Electricity $141$1,693
Total$2,177$26,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,640/yr
40% on housing$65,310/yr
45% on housing$58,053/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 63366$188
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63366$178
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
2026-08-03Listed for sale$310,000
2022-02-04Sold--
2022-01-25Pending sale$215,000
2022-01-18Listed for sale$215,000
2018-01-14Listing removed$1,295
2018-01-09Price change$1,295
2017-12-07Listed for rent$1,350
2015-01-28Listing removed$1,200
2015-01-20Listed for rent$1,200
2014-04-27Listing removed$1,200
2014-04-22Listed for rent$1,200
2007-09-11Sold--

For Sale by Agent

AgentTonia Schmitt
BrokerageEXP Realty, LLC

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