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431 Ridge Meadow Ln, Washington, MO, 63090

6beds
4baths
6,000sqft
$629,900
$105price/sqft
$4,473/moest. monthly cost
$178,920/yrincome needed

About This Home

A true estate presence in sought-after Ming Estates — designed for those who need space without compromise! Set on a rare .58-acre corner lot in Washington, MO, this exceptional brick-front home offers over 5,900 sq ft of finished living space, paired with extensive recent upgrades that allow you to step right into a fully realized home — no projects, no waiting. From the moment you enter, the scale is undeniable. A dramatic two-story foyer with arched and barrel-rolled ceilings creates a grand welcome, framed by a formal dining room and a private office or reading room — spaces that feel both refined and intentional. At the heart of the home, the kitchen was built to handle real life at full capacity — featuring custom cabinetry, granite countertops, center island, pantry, and planning desk — all opening seamlessly into the vaulted great room with gas fireplace. It’s the kind of layout that keeps everyone connected, whether you're hosting a crowd or managing the rhythm of everyday life. Step outside and the experience continues. The newly completed $49,000 composite deck with integrated post lighting offers a polished outdoor extension — overlooking the expansive corner lot and creating the perfect backdrop for evenings, gatherings, and everything in between. Upstairs, five true bedrooms provide a rare level of flexibility — ideal for larger households, multi-use spaces, or simply room to grow. The vaulted owner’s suite stands apart as a private retreat, complete with its own gas fireplace, jacuzzi tub, and spacious bath. The finished walkout lower level adds an entirely separate living experience — featuring a full second living area, rec/media space, full bath, and a 6th sleeping area or guest suite. Whether for extended family, long-term guests, or private quarters, the possibilities here are exceptional. Seller is offering 1 year home protection plan for added buyer confidence! Recent improvements have already elevated the home: • New Roof – $29,000 (May 2025) • Composite Deck – $49,000 (July 2025) • Fresh Interior Paint (Sept 2025) • LVP Flooring in Lower Level (Sept 2025) • New Carpet in 6th Bedroom (Sept 2025) • $10,000 Insulation & Pest Treatment (Aug 2025) This is where space, function, and lifestyle come together in all the right ways!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
5/10
Washington Middle SchoolGrades 7-85.1 mi
7/10
Washington High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2006

Materials

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

Other

  • Builder name: Northern Star

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Electric Cooktop,Dishwasher,Disposal,Ice Maker,Microwave,Electric Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full,Sleeping Area,Storage Space,Sump Pump,Walk-Out Access

Bedroom

  • Level: Lower
  • Area: 528
  • Dimensions: 24x22

Bedroom2

  • Level: Second
  • Area: 182
  • Dimensions: 14x13

Bedroom3

  • Level: Second
  • Area: 168
  • Dimensions: 14x12

Bedroom4

  • Level: Second
  • Area: 140
  • Dimensions: 14x10

Bedroom5

  • Level: Second
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Breakfast Room

  • Level: Main
  • Area: 221
  • Dimensions: 17x13

Dining Room

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Features

  • Breakfast Bar,Ceiling Fan(s),Crown Molding,Custom Cabinetry,Double Vanity,Eat-in Kitchen,Entrance Foyer,Granite Counters,High Ceilings,Kitchen Island,Open Floorplan,Pantry,Separate Dining,Soaking Tub,Storage,Two Story Entrance Foyer,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: French Doors,Panel Door(s)
  • Flooring: Hardwood,Luxury Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Bedroom,Gas,Great Room
  • Fireplace: Yes
  • Finished area below ground: 1,700
  • Finished area above ground: 4,228

Great Room

  • Level: Main
  • Area: 675
  • Dimensions: 27x25

Heating & Cooling

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

Interior Area

  • Total structure area: 6,000
  • Total interior livable area: 6,000 sqft

Kitchen

  • Level: Main
  • Area: 240
  • Dimensions: 16x15

Laundry

  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Office

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Primary Bedroom

  • Level: Second
  • Area: 399
  • Dimensions: 21x19

Recreation Room

  • Level: Lower
  • Area: 992
  • Dimensions: 32x31

Property

Details

  • Parcel number: 0983300012084000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Patio
  • Exterior features: Lighting,Private Yard
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 0.58 Acres
  • Features: Adjoins Common Ground,Back Yard,Front Yard,Landscaped,Private
  • Lot size dimensions: .58 Acre

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway,Garage,Garage Door Opener,Garage Faces Side,Inside Entrance
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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 WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado

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 $3,185$38,220
Home Insurance *$447$5,364
Property Taxes $383$4,596
Electricity $458$5,498
Total$4,473$53,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,360/yr
40% on housing$134,190/yr
45% on housing$119,280/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

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 63090$237
Franklin County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 63090$184
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
2026-05-13Price change$675,000
2026-04-23Listed for sale$689,900
2026-01-30Listing removed$664,900
2026-01-08Price change$664,900
2025-11-15Price change$699,900
2025-11-06Listed for sale$725,000
2016-04-01Sold--
2016-02-25Listed for sale$399,900
2015-11-01Listing removed$450,000
2015-07-24Price change$450,000
2015-04-02Price change$485,000
2015-03-25Price change$500,000
2015-02-10Listed for sale$489,900

For Sale by Agent

AgentTodd L Furlow
BrokerageKeller Williams Chesterfield

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