St. Charles County Homes under $400,000

St. Charles County Homes under $400,000

Welcome to St. Charles County, Missouri, a vibrant community that beautifully blends historic charm with modern conveniences. Nestled along the banks of the Missouri River, St. Charles is known for its rich history, picturesque landscapes, and a welcoming atmosphere that makes it an ideal place to call home. With a thriving economy, excellent schools, and an abundance of recreational activities, it's no wonder that residents enjoy a high quality of life here.

For homebuyers seeking affordability without sacrificing comfort, St. Charles County has a delightful selection of homes priced under $400,000. Whether you're a first-time buyer, a growing family, or looking to downsize, this area offers a diverse range of options to suit every lifestyle. From charming single-family homes with spacious yards to contemporary townhouses in family-friendly neighborhoods, you’ll find properties that cater to your needs and budget.

St. Charles is not just about the homes; it’s about the lifestyle. The county boasts beautiful parks, scenic trails, and a vibrant downtown area filled with unique shops, restaurants, and cultural attractions. The historic Main Street, with its cobblestone streets and charming storefronts, invites residents to explore and enjoy local festivals and events throughout the year.

Living in St. Charles County means you’re just a short drive from the bustling city of St. Louis, allowing you to enjoy the best of both worlds. With its affordable housing options, rich community spirit, and endless opportunities for recreation and relaxation, St. Charles County is truly a hidden gem in Missouri. Come discover your perfect home in this enchanting locale!

Newest St. Charles County Homes under $400,000

2 Hickory At Wilmer Xing, Wentzville
$342,900
26063715 MLS ⋅ ACTIVE Status
Pre-Construction. To Be Built Home ready to personalize into your dream home! BASE PRICE and PHOTOS are for 3BR, 2BA Hickory Ranch. Pricing will vary depending on various interior/exterior selections. This home boasts an oversized great room, plus dream kitchen features plenty of cabinetry and eat-in dining area. Available breakfast bar for additional seating! The master suite includes a walk-in closet, separate shower/tub, and linen closet in the private master bath. The Hickory includes main floor laundry, soffits & fascia and much more! Additional selections include a 4th bedroom, bay window, gas fireplace, and opt kitchen w/ extended dining area. Enjoy peace of mind with McBride Homes' 10 year builders warranty and incredible customer service! Onsite amenities at Wilmer Crossing include a community playground, pavilion with BBQ pits and picnic tables, and pickleball court. Display photos shown.

2 Hickory At Wilmer Xing, Wentzville
128 Green Gables Dr, Wentzville
$225,000
2 Beds ⋅ 1 Baths ⋅ 26063648 MLS ⋅ ACTIVE Status
***Open House Sunday 10-4 at Noon - 2PM*** Welcome to this well-maintained Villa in a desirable 55+ community! This bright and inviting home features and abundance of natural light, 2 spacious bedrooms and large full bathroom. The kitchen includes new stainless steel appliances and the washer and dryer are included. Enjoy relaxing outdoors form the welcoming front porch or the covered back porch, which offers added privacy. New laminate flooring the main living areas. The oversized one-car garage provides plenty of room for parking and additional storage. Enjoy the ease of maintenance free living, with lawn care, landscaping and snow removal taken care of for you, leaving more time to relax and enjoy your home. Conveniently located in Wentzville, close to shopping, restaurants, entertainment, the theater, hospital, all the conveniences you are looking for. Move-in ready and easy living in a great location.

128 Green Gables Dr, Wentzville
242 Ashford Oaks Dr, Wentzville
$360,000
3 Beds ⋅ 3 Baths ⋅ 26062742 MLS ⋅ ACTIVE Status
Welcome home to this 3-bedroom, 2.5-bath, 2-story home with a 3-car garage in Wentzville’s Great Oaks subdivision, conveniently located just off Wentzville Parkway and within the Wentzville School District, feeding into Holt High School. Step inside to an inviting open-concept main level accented by beautiful wainscoting throughout. The living room features a charming bay window with a built-in bench and flows seamlessly into the breakfast nook, where a sliding glass door opens to the backyard. The kitchen is an undeniable showstopper! Ceiling-height cabinetry with glass-front display doors pairs beautifully with butcher block countertops and tile extending from the backsplash all the way to the ceiling. A center island, white farmhouse sink, stainless steel appliances, recessed lighting, soft-close cabinetry, oversized cabinet drawers and a walk-in pantry combine style with plenty of functional storage. Just off the kitchen, the laundry room provides direct access to the 3-car garage. Upstairs, an open loft offers additional flexible living space while continuing the home’s wainscoting detail. The primary suite features windows overlooking both the front and backyard, a walk-in closet plus an additional closet, and a private bath with dual sinks, a jetted tub and separate glass-enclosed shower. Two additional bedrooms and a full hall bath with a tub/shower combination complete the upper level. One secondary bedroom features an accent wall, while another includes a walk-in closet. The unfinished basement is ready for your ideas, with a workbench, abundant storage shelving and plenty of potential to create additional living, recreation or hobby space. Outside, the fenced backyard is made for gathering! A spacious concrete patio features a built-in fire pit and poles ready for string lights, creating an inviting spot for evenings outdoors. And don’t overlook the impressive 3-car garage! Designed with the hobbyist or workshop enthusiast in mind, the garage features two large toolboxes along with extensive cabinetry and countertop workspace spanning two walls. A full sink, TV mount and additional laundry hookups add even more versatility to this standout space. With an eye-catching kitchen, flexible living spaces, an entertainer-friendly backyard and a garage that’s anything but ordinary, this Great Oaks home has so much to offer. Schedule your showing today!

242 Ashford Oaks Dr, Wentzville
1618 Muegge Rd, St Charles
$299,900
2 Beds ⋅ 1 Baths ⋅ 26062435 MLS ⋅ COMING SOON Status
Welcome to this charming 2-bedroom, 1-bath ranch offering beautiful hardwood floors, an oversized lot, and plenty of possibilities! The functional single-level layout provides comfortable living with great natural light and timeless character throughout. Outside, the expansive lot offers ample space, while the detached garage provides additional parking, storage, or workspace. Whether you're looking for a place to call home, considering an investment opportunity, or exploring the property's potential for future commercial use, this property offers incredible versatility. Conveniently located with easy access right off of hwy 364, nearby shopping, dining, and businesses.

1618 Muegge Rd, St Charles
71 Gray Owl Garth Ct, St Charles
$335,000
3 Beds ⋅ 4 Baths ⋅ 26063588 MLS ⋅ ACTIVE Status
Welcome to 71 Gray Owl Garth Court! Freshly updated and move-in ready, this 3-bedroom, 4-bath home offers a fantastic combination of space, updates and a convenient St. Charles County location. Step inside to find fresh paint throughout the entire home, all-new carpeting and beautiful hardwood flooring throughout portions of the main level. The spacious family room features a brick fireplace and abundant natural light, while the separate dining room offers a large bay window and plenty of room for entertaining. The kitchen and adjoining breakfast area provide an easy flow to the newer, maintenance-free deck—perfect for relaxing, grilling or enjoying the backyard. Upstairs, you'll find generously sized bedrooms, including a spacious primary suite with a walk-in closet and private bath. The finished walkout lower level adds even more usable living space with a large recreation/family room, second fireplace, full bath and additional sleeping or flex space—ideal for guests, a home office, workout room or playroom. Outside, enjoy the newer maintenance-free deck, patio and private backyard setting. Centrally located in St. Charles County with excellent access to Highway 364 and Highway 94, making it easy to reach shopping, dining, schools and everything the surrounding area has to offer. Fresh, clean and ready for its next owner—schedule your showing today!

71 Gray Owl Garth Ct, St Charles
526 Brookside Forest Ct, O'Fallon
$359,900
3 Beds ⋅ 2 Baths ⋅ 26063339 MLS ⋅ ACTIVE Status
Why wait to build when you can buy this like new home on prime cul de sac lot backing to trees! This beautifully maintained 3-bedroom, 2 bath home is located in the highly desirable Wentzville School District.! Home has a bright and move-in-ready feel. Features stylish LVP flooring and a beautifully appointed kitchen with quartz countertops, breakfast bar, pantry, under cabinet lighting and slate colored appliances-comfortable living spaces designed for everyday living-all of the bedrooms do have special mount in the ceiling for ceiling fans-surround sound system speakers-sellers had driveway and insulated garage enlarged by builder plus garage door is insulated as well , there is also a hookup for a hot tub-Master bdrm is large with w/i closet and bath with dual sinks and walk in shower-The full walk-out basement is ready to be finished and has rough in plumbing for a bath and a full size window-Step outside to the maintenance-free large composite deck with concrete underneath and expanded brick patio, overlooking a back yard that backs to trees for added privacy and backs to bird sanctuary. With its modern finishes, flexible living space, and peaceful setting, this home is one you won’t want to miss! new roof in 2024- structural warranty from builder is transferable and roofing company is transferrable (listing agent is checking into this)

526 Brookside Forest Ct, O'Fallon
521 Cimarron Woods Ct, Wentzville
$400,000
4 Beds ⋅ 3 Baths ⋅ 26063540 MLS ⋅ ACTIVE Status
Centrally Located Wentzville Home | 4 Bed, 2.5 Bath | 3-Car Insulated Garage | Walkout Basement with Separate Entrance This centrally located Wentzville home is at the end of a cul-de-sac in a neighborhood just off Interstate Drive with no through traffic. You are less than 5 minutes from Highway 70, Highway 40, and B&B Theatres Wentzville Tower 12, with easy access to Wentzville Parkway and downtown Wentzville. Your commute, your errands, and your Friday night out are all short. Jaeger Homes built this 4-bedroom, 2.5-bath home in 2010. The lot is nearly half an acre, the largest in the neighborhood, and the cul-de-sac location gives you more yard than the homes around you. The main level has an open floor plan with vaulted ceilings. The bedrooms are oversized, so a bed, a dresser, and a desk all fit without crowding. The 3-car garage is finished and insulated. That means you can use it as a workshop, a gym, or a place to work on a project in January without freezing. The walkout basement is partially finished and has its own entrance, so someone can come and go without traveling through the main house. It also has a half bathroom. Right now it is set up and used as a hair salon. A buyer could keep it that way and run a business from home, or turn it into a potential in-law suite.

521 Cimarron Woods Ct, Wentzville
6 S Perry Cir, O'Fallon
$320,000
3 Beds ⋅ 2 Baths ⋅ 26062175 MLS ⋅ ACTIVE Status
Updated, move-in ready, and packed with bonus space, this charming ranch offers the perfect blend of comfort, functionality, and outdoor living! This beautifully updated 3-bedroom, 2-bath home features a partially finished basement with incredible versatility. The lower level includes a spacious family room and two additional bonus rooms ideal for a home office, hobby room, workout space, or guest accommodations. This home checks all the boxes: updated throughout, two full bathrooms, a partially finished basement, fenced backyard, patio, fire pit, storage shed, and attached garage. From the moment you step inside, you'll appreciate the warmth and charm of the inviting living room, which flows seamlessly into the dining area and kitchen. Step outside from the dining area to enjoy the private, fenced backyard complete with a patio, fire pit, and shed, creating the perfect setting for entertaining or relaxing evenings at home. Downstairs, the newly finished lower level provides additional living space, laundry area, ample storage, a bathroom rough-in, and two versatile bonus rooms. Don't miss this move-in-ready gem. Schedule your showing today!

6 S Perry Cir, O'Fallon
521 Sceptre Rd, Wentzville
$395,000
3 Beds ⋅ 3 Baths ⋅ 26062777 MLS ⋅ ACTIVE Status
Welcome home to this bright and spacious 3-bedroom, 3-bath ranch! The main living area features vaulted ceilings, a cozy fireplace, and a wall of windows that lets in plenty of natural light. Just off the living room, the eat-in kitchen comes complete with stainless steel appliances and space for everyday meals. The main level offers three bedrooms and two full bathrooms, including a primary suite with a charming bay window overlooking the trees, double sinks, a soaking tub, and a separate shower. Downstairs, the fully finished basement includes a third full bath and a flexible bonus room-great for an office, playroom, or home gym—along with extra storage space. Outdoor living is easy here. Relax on the covered porch right off the kitchen, host on the low-maintenance deck, or gather around the fire pit area just off the back deck—all set within your fully fenced backyard backing to trees. Don't miss out on this fantastic home—schedule your private showing today!

521 Sceptre Rd, Wentzville
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
2 Aspen Ii At Harvest Mnrs, O'Fallon
$342,900
3 Beds ⋅ 2 Baths ⋅ 26063471 MLS ⋅ ACTIVE Status
Pre-Construction. To Be Built Home ready to personalize into your dream home! BASE PRICE and PHOTOS are for 3BR, 2BA Aspen II Ranch. Pricing will vary depending on interior/exterior selections. Your family will love this beautiful open floorplan! The great room leads into the kitchen with center island and walkin pantry, plus spacious adjacent dining area with glass sliding doors leading to a covered patio or deck. The master suite features dual closets and a private master bath. Main floor also features laundry room and coat closet off garage. Lots of large windows for natural light! Available bay windows in dining room or master bedroom, and great room fireplace. The Aspen II includes 2 car garage, soffits & fascia and much more! Enjoy peace of mind with McBride Homes' 10 year builders warranty and incredible customer service! Harvest at Hwy N and Hopewell offers incredible onsite amenities. It’s not just a home, it’s a lifestyle! Display photos shown.

2 Aspen Ii At Harvest Mnrs, O'Fallon
2 Berwick At Harvest Mnrs, O'Fallon
$339,900
3 Beds ⋅ 3 Baths ⋅ 26063463 MLS ⋅ ACTIVE Status
Pre-Construction. To Be Built Home ready to personalize into your dream home! BASE PRICE and PHOTOS are for 3BR, 2.5BA Berwick Two Story. Pricing will vary depending on various interior/exterior selections. This home features an incredible spacious family room, perfect for entertaining! Enjoy the expansive kitchen with lots of cabinetry and available center island. This space opens to a large dining area with access to the backyard, plus you can personalize with bay windows or built in desk. Upstairs you’ll find a large master bedroom with walk-in closet and available luxury master bath, 2 secondary bedrooms, and 2nd floor laundry. The Berwick includes 2 car garage, soffits & fascia and much more! Enjoy peace of mind with McBride Homes' 10 year builders warranty and incredible customer service! Harvest at Hwy N and Hopewell offers incredible onsite amenities. It’s not just a home, it’s a lifestyle! Display photos shown.

2 Berwick At Harvest Mnrs, O'Fallon
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