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49 Monte Rosa Dr, De Soto, MO, 63020

4beds
4baths
2,664sqft
$369,000
$139price/sqft
$2,662/moest. monthly cost
$106,480/yrincome needed

About This Home

Welcome to 49 Monte Rosa Drive in DeSoto, MO, where a remarkable single-family home awaits. This pristine residence, lovingly maintained by a single owner, offers over 2600 square feet of thoughtfully designed living space. With four spacious bedrooms and three and a half bathrooms, there's ample room for everyone to enjoy comfort and privacy. Nestled on nearly an acre, this property beckons with its inviting covered back deck, perfect for enjoying serene mornings or hosting gatherings. The finished basement provides additional space for recreation or relaxation, while the two-car garage offers convenience and storage. Set within a gated lake community, this home is a gateway to a lifestyle rich in outdoor enjoyment. With three lakes, a community beach, and campgrounds, you'll find endless opportunities for fishing, skiing, and making cherished family memories. Experience the harmonious blend of space, style, and setting that this rare gem has to offer. Schedule a showing to experience it in person. This listing also includes APN#24-5.0-22.0-1-003-007 aka Section 3 Lot 111 which is .5289 acres.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

4/10
Sunrise Elementary SchoolGrades PK-83.3 mi

Construction

Condition

  • Year built: 2003

Materials

  • Construction materials: Brick Veneer,Frame,Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 1,000
  • Finished area above ground: 1,664

Heating & Cooling

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

Interior Area

  • Total structure area: 2,664
  • Total interior livable area: 2,664 sqft

Property

Details

  • Parcel number: 245.022.01003008
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 0.94 Acres
  • Features: Adjoins Common Ground,Back Yard,Close to Clubhouse,Front Yard,Gentle Sloping,Level,Rectangular Lot,Scattered Woods,Some Trees

Parking

  • Parking features: Garage
  • Has garage: 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

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

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Heat Wave
Inland Flooding
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 $1,865$22,380
Home Insurance *$348$4,176
Property Taxes $246$2,952
Electricity $203$2,441
Total$2,662$31,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,268/yr
40% on housing$79,860/yr
45% on housing$70,986/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

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 63020$160
Jefferson County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 63020$161
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
2026-02-14Listed for sale$389,000

For Sale by Agent

AgentMike M Woodrum
BrokerageColdwell Banker Realty - Gundaker

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