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3626 Hempstead St, Saint Charles, MO, 63301

3beds
3baths
2,180sqft
$484,000
$222price/sqft
$3,321/moest. monthly cost
$132,840/yrincome needed

About This Home

Step into this beautiful home with many excellent updates. New air and heat, fence, New siding, New composite porch, New Fire smoke detectors, tub, and Roof. Custom Staggered 42"/36" Cherry kitchen Cabinets , Granite Counter tops, Center Island, Hearth Room, Wood Flooring, 9' First Floor Ceilings, Laundry Room on Second Floor, Whirlpool Tub, Built in Custom Oak Cabinets in Living Room/Den, Fenced in Yard, Plus many other features. Pools, stores, amphitheater, club house, water park, and lakes are just some of the wonderful amenities offered in the quaint New Town Community. This is a must see property !!!

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
6/10
6/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Ice Maker,Gas Range,Free-Standing Refrigerator,Gas Water Heater,Tankless Water Heater
  • Laundry features: 2nd Floor

Basement

  • Has basement: Yes
  • Basement: Concrete,Sump Pump,Unfinished

Bedroom2

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

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 225
  • Dimensions: 15x15

Dining Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Features

  • Window features: Insulated Windows,Tilt-In Windows,Window Treatments
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 2,180

Hearth Room

  • Features: Floor Covering: Wood Veneer
  • Level: Main
  • Area: 315
  • Dimensions: 15x21

Heating & Cooling

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

Interior Area

  • Total structure area: 2,180
  • Total interior livable area: 2,180 sqft

Kitchen

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Living Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 165
  • Dimensions: 11x15

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Upper
  • Area: 132
  • Dimensions: 12x11

Property

Accessibility

  • Accessibility features: Central Living Area

Details

  • Parcel number: 5116B9772000135.0000000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard

Lot

  • Lot size: 8,712 sqft
  • Features: Adjoins Open Ground,Level

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Garage,Garage Door Opener
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
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 $2,447$29,364
Home Insurance *$281$3,372
Property Taxes $427$5,124
Electricity $166$1,997
Total$3,321$39,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,862/yr
40% on housing$99,630/yr
45% on housing$88,560/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

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 63301$186
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63301$195
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
2026-05-05Price change$489,000
2026-04-14Price change$494,000
2026-03-07Listed for sale$499,000
2013-12-11Sold--
2013-07-09Listed for sale$199,900
2013-06-02Listing removed$199,900
2013-05-29Listed for sale$199,900
2013-02-05Listing removed$199,900
2013-01-21Listed for sale$199,900
2012-10-20Listing removed$259,900
2012-10-07Listed for sale$259,900

For Sale by Agent

AgentJohn M Smelser
BrokerageReeceNichols Real Estate

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