St. Charles R-VI Homes under $400,000

St. Charles R-VI Homes under $400,000

Welcome to St. Charles, Missouri, a vibrant city nestled in St. Charles County, where the charm of small-town living meets modern conveniences. One of the standout features of this community is the St. Charles R-VI School District, renowned for its commitment to educational excellence. This district is dedicated to fostering a supportive and enriching environment for students, offering a range of academic programs, extracurricular activities, and advanced placement courses that cater to diverse learning needs. With highly qualified educators and a focus on student achievement, families can feel confident that their children are receiving a top-notch education.

For those looking to settle in this thriving area, St. Charles boasts a variety of homes under $400,000, making it an attractive option for first-time buyers, growing families, and investors alike. The real estate market here features charming single-family homes, modern townhouses, and inviting condos, all set against a backdrop of picturesque streets and friendly neighborhoods.

Living in St. Charles means enjoying not just quality education but also a wealth of recreational opportunities. From the scenic parks and trails to the historic downtown district filled with shops and dining options, there’s something for everyone. Whether you’re drawn to the excellent schools, the affordable housing, or the sense of community, St. Charles is a place where you can truly feel at home. Explore your options today and discover why so many families are choosing to call St. Charles their home!

Newest St. Charles R-VI Homes under $400,000

502 Pine St, St Charles
$290,000
2 Beds ⋅ 2 Baths ⋅ 26057910 MLS ⋅ ACTIVE Status
Welcome home to Midtown St. Charles! This charming corner-lot ranch delivers comfort, convenience, and style in the heart of Midtown. Inside, you'll find two bedrooms and two full bathrooms, with a recently updated kitchen and baths that make this home completely move-in ready. The finished basement adds valuable flexibility, including a dedicated office space with a large closet, ideal for working from home or hobbies. Outside, the flat backyard is ready for entertaining, complete with a firepit for those perfect evenings. A 10x12 shed provides plenty of storage for tools and project supplies. Showing notes: The shed will not be accessible until next week, or sooner. The piano will be removed prior to closing.

502 Pine St, St Charles
637 Norma Dr, St Charles
$310,000
3 Beds ⋅ 2 Baths ⋅ 26063459 MLS ⋅ ACTIVE Status
Move-in ready 3-bed, 2-bath ranch on a corner lot in Sunnybrook Park. Major systems updated: new roof (2021), new HVAC with brand-new A/C (2022), new back bedroom flooring, and a new back patio drainage pipe (2026). Kitchen offers granite countertops, maple cabinets, a deep pantry, room for a large island or table, stainless dishwasher, and a newly installed microwave (2026). The main-floor flex room addition (living room) walks out to the 12x16 deck and adds a bonus storm room in the walk-out lower level. Fully fenced backyard with brand-new chain link fencing (2023). Attached 1-car garage with opener, concrete driveway, public water/sewer, no HOA. Washer and Dryer in basement come with house. Convenient commuter location near Hwy 370 & I-70. Disclosure on file.

637 Norma Dr, St Charles
199 Southern Oaks Dr, St Charles
$315,000
3 Beds ⋅ 3 Baths ⋅ 26058955 MLS ⋅ ACTIVE Status
Spacious 3-bedroom, 3-bath villa in Southern Oaks with main-floor convenience and a finished lookout lower level! Vaulted ceilings and abundant natural light give the main living area an open, airy feel. The kitchen and breakfast area flow onto the deck, making it easy to take your morning coffee outside or enjoy dinner in the fresh air. The primary suite offers a private full bath, complemented by an additional main-floor bedroom, second full bath and laundry that keep everyday essentials conveniently on one level. Downstairs, enjoy a large recreation room, third bedroom, full bath and a refreshment center with a full-size refrigerator that stays with the home. Off the recreation room, a workspace behind double doors is equipped with electrical outlets for a home office, sewing or crafts. Close the doors when you’re done and tuck it all away! Generous unfinished storage, workshop space and a two-car garage add practicality, with room to bring your personal style throughout. Association-provided lawn care, exterior maintenance and snow removal give you more time to enjoy nearby Historic Main Street and Streets of St. Charles, offering shopping, dining, entertainment and seasonal events.

199 Southern Oaks Dr, St Charles
3224 Highgate Ln, St Charles
$265,000
3 Beds ⋅ 1 Baths ⋅ 26063272 MLS ⋅ ACTIVE Status
Enjoy easy ranch living with a backyard made for summer at this 3BR/1BA Saint Charles Hills home offering over 1,100 sqft plus finished LL space! Inside, the layout feels comfortable and practical with updated lighting, newer windows, an updated front door, newer water heater, an updated BA, and additional improvements throughout. The kitchen and dining areas connect easily to the outdoor space, making everyday living and entertaining simple. The finished LL adds a spacious second living area, rec room, hobby space, or flexible bonus room. Out back, the fenced yard is the true highlight with an above-ground pool and surrounding deck that create a fun, easy place to spend sunny afternoons. When the day winds down, the hot tub adds a relaxing spot to settle. There’s still room to grill, garden, lounge, or host a backyard gathering. An oversized garage adds excellent storage, workspace, and 220V service. Located in unincorporated St. Charles County with Highgate HOA amenities, multiple parks and common areas, plus easy access to shopping, dining, parks, and I-70. Jefferson Intermediate is approx. 0.3 mile away and St. Charles West High is approx. 0.4 mile away. Move-in ready and full of lifestyle perks—come see it today

3224 Highgate Ln, St Charles
1008 N Duchesne Dr, St Charles
$295,000
3 Beds ⋅ 2 Baths ⋅ 26062711 MLS ⋅ ACTIVE Status
Welcome Home! Freshly refinished HARDWOOD FLOORS and NEW INTERIOR PAINT highlight this 3 bed/2 bath RANCH home. Positioned at the beginning of a cul-de-sac, this amazing property offers a generously sized lot with a spacious fenced backyard, oversized 2 car garage and extended driveway. Both bathrooms in this all electric home have been nicely updated. Additional improvements include a 6 year old roof, an electric water heater replaced within the past few months, and an electrical panel replaced last year. All appliances stay. This functional home is ideally located in a quiet, mature, well established neighborhood that is close to highways, historic downtown St Charles, Blanchette Park, Lindenwood University and Duchesne High School. OPEN HOUSES: Friday, 10/2 4-7pm, Saturday, 10/3 12-2pm and Sunday, 10/4 1-3pm.

1008 N Duchesne Dr, St Charles
1216 N 5th St, St Charles
$399,000
3 Beds ⋅ 3 Baths ⋅ 26056635 MLS ⋅ ACTIVE Status
Welcome to a remarkable piece of St. Charles history, where the character and craftsmanship of the 1890s meet the comforts of modern living. You will feel like king of the castle perched atop a hill looking out toward the river valley. This charming 3 bedroom, 3 bath brick home offers historic architecture, incredible outdoor living, and a perspective you simply cannot recreate with new construction. 1216 N. 5th Street comes with a story to tell - according to its' historical marker, the property was once part of St. Charles' Common ground before being purchased by Henry and Casper Dallmeyer, and Eugene Thro built the home circa 1891. Its distinctive hillside design creates 2 stories at the front and 3 at the rear. Among its many former residents was Pearl Brown, a conductor for the Wabash Railroad. Step inside and experience the ingenuity of a different era. Soaring 11 foot ceilings and charming transom windows in the family and living rooms provided the original air conditioning, encouraging natural airflow long before modern HVAC. Impressive 6.5 foot tall windows fill these rooms with natural light, while classical exposed brick adds warmth, texture, and unmistakable historic character. The kitchen features trendy concrete countertops, stainless steel appliances, a gas range, and space for a cozy bistro set. A fully functional butler's pantry dramatically expands the kitchen with additional concrete counters, a sink, dishwasher, and storage, providing valuable space for preparing meals, entertaining, and cleaning up. A full bath completes the main floor, while an atrium door provides access to the upper deck. Upstairs, the historic charm continues with more transom windows, 2 bedrooms, 2 full baths, and a second laundry area. The spacious primary suite features dual closets, an eye catching feature wall, private balcony, and large 4 piece en-suite bathroom. The generously sized second bedroom offers dual window seats where you can lounge in the natural light with a book or simply watch the world go by. The lower level adds even more flexibility with a foyer, third bedroom, cozy and bright sunroom, utility room with modern systems and an additional laundry area, plus a clean and dry stone storage room that preserves another piece of the home's 19th century character. The sunroom walks out to a covered stamped paver patio, providing yet another place to enjoy the outdoors. And outdoors is where this home's elevated setting truly shines. From the rear decks and 21-foot above ground pool, your higher perspective lets you gaze across the neighborhoods below and toward the river valley, creating a wonderful sense of openness. The lower deck wraps around the pool, expanding the space for summer entertaining, while a garden, lawn shed, patio, balconies, and multiple outdoor gathering areas give you plenty of ways to enjoy the property. Then there's the garage. The massive detached 2 car garage measures approximately 27x27 with dual 9 foot garage doors capable of accommodating all but the largest vehicles. Its own 100 amp subpanel makes the space even more useful for projects and hobbies. Above it, an impressive 24x23 banquet room creates an unexpected bonus space for gatherings, celebrations, homeschooling, hobbies, or whatever your lifestyle demands. Modern conveniences include a 95% efficiency Trane HVAC system (2017), 200 amp main electrical panel, 100 amp garage subpanel, and easy street parking. This is the kind of home that makes historic Frenchtown special. You'll find the soaring ceilings, transoms, exposed brick, stonework, and craftsmanship that tell the story of generations past, paired with modern systems, updated living spaces, abundant storage, a pool, multiple decks, and a garage setup that would be difficult to duplicate today. Historic charm doesn't mean sacrificing comfort!! Open House Sunday, October 4th from 1 PM to 3 PM. Don't Sleep on Your Dream Home, Sleep in It!

1216 N 5th St, St Charles
3413 Greiner Dr, St Charles
$325,000
3 Beds ⋅ 2 Baths ⋅ 26062380 MLS ⋅ ACTIVE Status
COMING SOON!!! Friday to start showings on this renovated split level. New deck was put on last year, a fresh paint job and a 3 seasons room not included in sqft perfectly for an office or plant propagation station!!! 3 bedrooms upstairs and an open concept. Granite countertops and a lovely window over the kitchen sink for vitamin D. Lower level has a large living space bedroom and half bath. Utilities and laundry gives extra storage to compliment the oversized garage. Walkout from lower level to additional space gets you to the fenced backyard. Trampoline can stay or go! Hopefully this is the right one for you and if not best of luck in your search!!!

3413 Greiner Dr, St Charles
613 Schaefer Pl, St Charles
$224,900
4 Beds ⋅ 2 Baths ⋅ 26062142 MLS ⋅ ACTIVE Status
Super cute with location and charm near old town St Charles! Only 4 homes on this quiet older street. This 4 bedroom, 2 bath home is filled with character - hardwood laminate floors, living room, eat-in kitchen with white cabinetry and newer range/dishwasher/microwave. 2nd floor has 2 large bedrooms or 1 bed and a loft space with built in shelving. The partially finished walk out lower level has a 4th bedroom/office, flex space for families, crafts or more, and a full updated bath. Detached 1 car garage. Large patio backing to woods and the quietest neighbors ever! Roof 2024, siding and gutters 2024, hwh 2022, washer and dryer stay 2021.

613 Schaefer Pl, St Charles
3001 W Adams, St Charles
$359,000
4 Beds ⋅ 3 Baths ⋅ 26062017 MLS ⋅ ACTIVE Status
Welcome to this beautifully remodeled ranch home, thoughtfully updated throughout the current homeowner’s ownership. Offering 4+ bedrooms, 3 bathrooms, and over 2,162 square feet of living space, this home blends modern style, comfort, and functionality. The inviting open-concept main level features a spacious living room with fireplace, a stunning kitchen with island, dining area, and a beautiful primary bedroom suite. The home is filled with quality upgrades, including luxurious bathrooms, custom storage, built-ins, and stylish finishes throughout. The lower level adds even more flexibility with additional bedroom, bonus room, a versatile family room, and a dedicated office space, providing plenty of room for guests, work, hobbies, or everyday living. Additional highlights include a 2-car garage and wonderful outdoor space perfect for relaxing or entertaining. With extensive updates, thoughtful design, abundant storage, and generous living areas, this exceptional ranch home is ready to welcome its next owner!

3001 W Adams, St Charles
2960 Sylvan Ln Unit 5D, St Charles
$300,000
3 Beds ⋅ 3 Baths ⋅ 26061695 MLS ⋅ ACTIVE Status
Welcome to this charming 3-bedroom, 3 full-bath villa for ease of maintenance free living! The main level features new luxury vinyl plank flooring throughout the living and kitchen areas. The spacious living room showcases a vaulted ceiling, skylight, and cozy gas fireplace, filling the space with natural light. The kitchen offers white cabinetry, stylish backsplash, and a charming breakfast area with direct access to the deck. The primary suite provides a private full bath and generous walk-in closet. A 2nd bedroom, full hall bath, and convenient laundry room complete the main level. The finished lower level adds versatility with a spacious recreation room featuring a wet bar, 3rd bedroom, full bath, and abundant storage areas. Step outside onto the private deck, conveniently located off the breakfast area, and enjoy your morning coffee or an evening outdoors without the hassle of extensive yard maintenance. The attached 2-car garage provides plenty of parking and additional storage. The HOA fee makes life even easier by including water, sewer, trash, snow removal, lawn care, and maintenance of the common grounds, allowing you to spend less time on upkeep and more time enjoying your home. Comfortable, spacious, and truly carefree—this charming villa is ready to welcome you home!

2960 Sylvan Ln Unit 5D, St Charles
76 Ruth Dr, St Charles
$315,000
3 Beds ⋅ 2 Baths ⋅ 26061177 MLS ⋅ ACTIVE Status
Beautifully remodeled home!! 3BR, 2 full baths, NEW ROOF plus a finished basement. Enter into your huge living room with views into the adjoining family room and the kitchen. These rooms are all illuminated by tons of natural light. Family room with fireplace creates an extension of the living room while still maintaining its own individuality. The kitchen is completely updated with new cabinets, quartz counters, tiled backsplash and new stainless appliances. Separate dining off of kitchen with views to the screened porch and rear yard. Primary bedroom boasts a master suite with completely remodeled bathroom with ceramic tiled shower and flooring, new vanity and lighting. Two other large bedrooms and another completely remodeled bathroom finish off the main floor. New LVP and fresh paint throughout! Finished basement with new carpeting and fresh paint. The home sits on a HUGE lot which allows for a park like back yard which is fully fenced (Your children and pets will love it!) Large screened porch gives wonderful views of the entire rear yard. Huge driveway can fit 6 cars and has a covered carport at the end.

76 Ruth Dr, St Charles
924 N Benton Ave, St Charles
$265,000
2 Beds ⋅ 1 Baths ⋅ 26061664 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome to 924 N Benton Ave, a beautifully renovated home in the heart of St. Charles, less than a mile from historic Main Street! This home has been thoughtfully updated from top to bottom, combining modern finishes with the charm and convenience of an established neighborhood. Step inside to a bright, refreshed interior featuring a completely remodeled kitchen with quartz countertops, huge kitchen island, updated cabinetry and stylish finishes throughout. The finished attic provides valuable additional living space with plenty of possibilities for a home office, playroom, hobby room or additional flex space. The updates go well beyond cosmetics, with brand-new HVAC and plumbing, plus a newer water heater for added peace of mind. Outside, enjoy a fully fenced backyard, storage shed and convenient off-street parking in the rear. With major improvements already completed and historic Main Street St. Charles, restaurants, shopping, entertainment and more just minutes away, this move-in-ready home offers an incredible combination of location, character and modern convenience. Come see this one today before its too late!

924 N Benton Ave, St Charles
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