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990 Virginia Mines Rd, Saint Clair, MO, 63077

2beds
2baths
1,680sqft
$200,000
$119price/sqft
$1,467/moest. monthly cost
$58,680/yrincome needed

About This Home

BACK ON MARKET! No fault of seller. Charming 2-bedroom home in the heart of St. Clair. This well-maintained property offers a spacious carport, two storage sheds for extra space, and a functional layout perfect for first-time buyers, down-sizers, or investors. New, professionally installed basement waterproofing system with drainage and sump-pump comes with a transferrable lifetime warranty. Enjoy the convenience of off-street parking, and a great location close to town amenities. The main storage area offers a partial kitchen and wood stove. Move-in ready with plenty of potential to make it your own!

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

--
6/10
3/10
St. Clair High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Shingle
  • Construction materials: Concrete,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Electric Oven,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Main Level

Basement

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

Bedroom

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Bedroom2

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Bedrooms & Bathrooms

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

Features

  • Custom Cabinetry,Eat-in Kitchen,Kitchen/Dining Room Combo
  • Window features: Double Pane Windows
  • Flooring: Laminate,Linoleum
  • Finished area below ground: 840
  • Finished area above ground: 840

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Property

Details

  • Parcel number: 2273601099113000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Front Porch,Patio
  • Exterior features: Storage
  • Fencing: None

Lot

  • Lot size: 0.47 Acres
  • Features: Level,Some Trees

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Lightning
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 $1,011$12,132
Home Insurance *$194$2,328
Property Taxes $121$1,452
Electricity $141$1,693
Total$1,467$17,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,297/yr
40% on housing$44,010/yr
45% on housing$39,120/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 63077$205
Franklin County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 63077$174
Franklin County$160

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
2026-08-17Listed for sale$200,000
2026-08-05Pending sale$200,000
2026-08-03Listed for sale$200,000
2026-06-22Pending sale$200,000
2026-06-22Contingent$200,000
2026-06-17Listed for sale$200,000
2026-06-08Pending sale$200,000
2026-06-08Contingent$200,000
2026-06-04Listed for sale$200,000
2025-03-12Sold--
2025-02-09Pending sale$189,000
2025-02-06Listed for sale$189,000

For Sale by Agent

AgentCassandra S Whited
BrokerageBerkshire Hathaway HomeServices Select Properties

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