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1126 Manor Cove Dr, Saint Charles, MO, 63304

4beds
4baths
3,582sqft
$494,900
$138price/sqft
$3,521/moest. monthly cost
$140,840/yrincome needed

About This Home

Welcome to 1126 Manor Cove Drive in the highly sought-after Westhampton Subdivision of St. Charles! This beautifully maintained 4-bedroom, 2 full bath, 2 half bath home offers the perfect blend of comfort, style, and functionality. Step inside a dramatic two-story entry foyer and soaring vaulted ceilings that create an open, airy atmosphere throughout the home. The spacious open floor plan is ideal for both everyday living and entertaining, featuring a warm gas fireplace, separate dining room, and an inviting main living area filled with natural light. The kitchen flows seamlessly into the family room, making gatherings effortless and enjoyable. Convenient main floor laundry adds to the home's practical design. Retreat to the spacious primary suite featuring a luxurious bathroom complete with a separate shower and soaking tub. The finished basement provides additional living and entertainment space, perfect for a recreation room, home office, or gym. Additional highlights include a 2-car garage, generous bedroom sizes, and a beautifully designed layout that meets the needs of modern living. Located in the desirable Francis Howell School District and close to shopping, dining, parks, and major highways, this home is one you do not want to miss! Schedule your private showing today and discover everything this exceptional Westhampton home has to offer!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
9/10
Bryan Middle SchoolGrades 6-83.5 mi
10/10

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room,Main Level

Basement

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

Bedrooms & Bathrooms

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

Features

  • Door features: Panel Door(s)
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,180
  • Finished area above ground: 2,402

Heating & Cooling

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

Interior Area

  • Total structure area: 3,582
  • Total interior livable area: 3,582 sqft

Property

Details

  • Parcel number: 300369023000091.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck

Lot

  • Lot size: 8,276 sqft
  • Features: Adjoins Common Ground,Back Yard,Front Yard,Level

Parking

  • Total spaces: 2
  • Parking features: 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
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 $2,502$30,024
Home Insurance *$309$3,708
Property Taxes $437$5,244
Electricity $273$3,282
Total$3,521$42,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,720/yr
40% on housing$105,630/yr
45% on housing$93,893/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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$189
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$494,900
2026-07-20Price change$494,900
2026-06-12Listed for sale$499,900
2019-09-27Sold--
2019-08-01Pending sale$315,000
2019-07-19Price change$315,000
2019-06-28Listed for sale$325,000
2017-11-03Listing removed$1,900
2017-10-04Price change$1,900
2017-09-14Price change$2,000
2017-08-30Listed for rent$1,975
2005-03-04Sold--

For Sale by Agent

AgentGary Le'Roi Newton
BrokerageProperties by G. Le' Roi LLC

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