204 Montecito Ter, Saint Peters, MO, 63304
About This Home
Welcome to 204 Montecito Terrace in the highly sought-after Montecito subdivision! This beautifully maintained 3-bedroom, 2-bath ranch delivers over 1,300 sq ft of bright, open living space. Step inside to soaring vaulted ceilings, a cozy fireplace, recessed lighting, and luxury vinyl plank flooring flowing through the main living areas. The showstopper kitchen features rich espresso cabinetry with designer gold hardware, stainless appliances, and breakfast-bar seating that opens to the dining area with a wall of windows overlooking the backyard. The spacious primary suite offers a charming bay-window sitting area, and both baths are tastefully finished. Built in 2005, all major systems are well within their expected life — move in with total confidence. Out back, a BRAND NEW wood deck steps down to a patio and a huge, flat, fully usable lot backing to a private tree line — no rear neighbors, just green space. Add a welcoming covered front porch, an oversized garage with carriage-style doors, and a location in the acclaimed Francis Howell School District, and you've got a home that works as a fantastic first home or a forever home. Homes in Montecito rarely hit the market — schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Stainless Steel Appliance(s),Dishwasher,Microwave,Oven,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Unfinished,Walk-Out Access
Bathroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 45
- Dimensions: 5x9
Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 110
- Dimensions: 10x11
Bedroom2
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 100
- Dimensions: 10x10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Eat-in Kitchen,Open Floorplan,Vaulted Ceiling(s)
- Door features: Panel Door(s),Sliding Doors
- Flooring: Luxury Vinyl
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area above ground: 1,321
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,321
- Total interior livable area: 1,321 sqft
Kitchen
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 176
- Dimensions: 11x16
Living Room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 380
- Dimensions: 19x20
Primary Bathroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 32
- Dimensions: 4x8
Primary Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 192
- Dimensions: 12x16
Property
Details
- Parcel number: 30120958700064D.0000000
- Special condition: Standard
Features
- Levels: One
- Patio & porch: Deck
- Fencing: None
Lot
- Lot size: 0.34 Acres
- Features: Back Yard,Gentle Sloping,Landscaped
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
- Tornado
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Earthquake
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,865 | $22,380 |
| Home Insurance * | $230 | $2,760 |
| Property Taxes | $325 | $3,900 |
| Electricity | $141 | $1,693 |
| Total | $2,561 | $30,732 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Pending sale | $369,000 |
| 2026-07-31 | Listed for sale | $369,000 |
| 2022-06-21 | Listing removed | -- |
| 2022-06-07 | Listed for rent | $2,000 |
| 2021-05-04 | Listing removed | -- |
| 2021-04-28 | Listed for rent | $1,800 |
| 2008-10-25 | Listing removed | $1,250 |
| 2008-10-08 | Listed for sale | $1,250 |
| 2005-03-11 | Sold | -- |
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