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243 Vivaron Ave, Saint Charles, MO, 63303

2beds
4baths
2,372sqft
$339,900
$143price/sqft
$2,398/moest. monthly cost
$95,920/yrincome needed

About This Home

Welcome to this stunning 2-story home offering 2 bedrooms, 3.5 bathrooms, and over 2,300 square feet of living space, including the finished lower level that provides additional versatility and comfort. Step through the front door into a dramatic two-story entry foyer that creates a bright and inviting first impression. The foyer is flanked by a welcoming living room and family room, providing flexible spaces for entertaining or relaxing. The updated kitchen features granite countertops, stainless steel appliances, a breakfast bar, and a pantry, and flows seamlessly into the spacious living room, perfect for everyday living and gatherings. The main level is completed by a powder room and convenient laundry room. Upstairs, the primary suite offers a large walk-in closet and private full bathroom, creating a comfortable retreat. A second bedroom and full hall bathroom complete the upper level. The finished lower level expands the living space with a generous recreation room, full bathroom, sleeping room, and plenty of storage, ideal for guests, a home office, or additional entertainment space. This home has been thoughtfully refreshed with many updates, including fresh interior paint on the first and second floors (2026), brand new carpeting (2026), new blinds throughout the home (2026), and updated light fixtures (2026), creating a bright, modern, and move-in ready space for its next owner. Additional highlights include an attached 2-car garage. Enjoy outdoor living on the charming front porch or the concrete back patio overlooking the yard, perfect for relaxing evenings or entertaining guests. Located in the highly sought-after Enclave at Montclair subdivision, this home offers convenient access to shopping, dining, schools, and major highways, making daily living easy and enjoyable. Move-in ready and beautifully updated, this is one you won’t want to miss!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
8/10
Barnwell Middle SchoolGrades 6-83.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Main Level

Basement

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 375
  • Dimensions: 15x25

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 216
  • Dimensions: 12x18

Bedrooms & Bathrooms

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

Bonus Room

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 121
  • Dimensions: 11x11

Breakfast Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 72
  • Dimensions: 9x8

Features

  • Breakfast Bar,Granite Counters,Pantry,Two Story Entrance Foyer,Walk-In Closet(s)
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,799

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total structure area: 2,372
  • Total interior livable area: 2,372 sqft

Kitchen

  • Features: Floor Covering: Other
  • Level: Main
  • Area: 140
  • Dimensions: 10x14

Laundry

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 84
  • Dimensions: 12x7

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 228
  • Dimensions: 12x19

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 304
  • Dimensions: 19x16

Sitting Room

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Property

Details

  • Parcel number: 301629436050037.0000000
  • Special condition: Standard

Features

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

Lot

  • Lot size: 3,484 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

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

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Earthquake
Heat Wave
Inland Flooding
Lightning
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 $1,718$20,616
Home Insurance *$199$2,388
Property Taxes $300$3,600
Electricity $181$2,173
Total$2,398$28,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,217/yr
40% on housing$71,940/yr
45% on housing$63,946/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 63303$194
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)

Price History

DateEventPrice
2026-04-29Price change$350,000
2026-04-08Price change$359,900
2026-03-07Listed for sale$369,900

For Sale by Agent

AgentMark & Neil Gellman
BrokerageEXP Realty, LLC

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