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2707 N Service Rd W, Saint Clair, MO, 63077

3beds
2baths
2,930sqft
$239,900
$82price/sqft
$1,814/moest. monthly cost
$72,560/yrincome needed

About This Home

Welcome to this spacious Nearly 3000 sq. ft. home offering the perfect blend of comfort, space, and privacy. Situated on 3.19 +/- wooded acres, this 3-bedroom, 2-bath residence provides room to spread out both indoors and out. Inside, you’ll find generous living areas highlighted by two cozy fireplaces, ideal for relaxing evenings or entertaining guests. The well-designed floor plan offers flexibility for everyday living, while the insulated garage adds year-round convenience and extra storage. Enjoy the peace and potential of expansive acreage—perfect for outdoor activities, gardening, or simply soaking in the surroundings. This property offers the space you want with the features you need to truly feel at home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
6/10
3/10
St. Clair High SchoolGrades 9-126.2 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 2,930

Heating & Cooling

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

Interior Area

  • Total structure area: 2,930
  • Total interior livable area: 2,930 sqft

Property

Details

  • Parcel number: 2941820003009200
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 3.19 Acres
  • Features: Back Yard,Level,Wooded

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
Earthquake
Ice Storm
Landslide
Lightning

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 $1,213$14,556
Home Insurance *$233$2,796
Property Taxes $145$1,740
Electricity $223$2,684
Total$1,814$21,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,194/yr
40% on housing$54,420/yr
45% on housing$48,373/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

$82This listing

vs Other Active Listings

Avg $/sqft

ZIP 63077$206
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
2026-04-12Price change$259,000
2026-03-17Price change$270,000
2026-02-25Price change$285,000
2026-02-14Price change$299,000
2026-02-05Price change$308,000
2026-01-23Listed for sale$320,000
2020-10-05Listing removed$189,000
2020-08-24Pending sale$189,000
2020-08-18Listed for sale$189,000
2020-08-12Pending sale$189,000
2020-07-28Listed for sale$189,000
2010-09-15Sold--

For Sale by Agent

AgentKrista M Wind
BrokerageMain Key Realty LLC

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