63304 Homes under $400,000

63304 Homes under $400,000

Welcome to the charming community of zip code 63304, nestled in the heart of St. Charles County, Missouri! This vibrant area is known for its picturesque landscapes, friendly neighborhoods, and a rich blend of modern amenities and historical charm. Whether you're a first-time homebuyer, a growing family, or looking to downsize, 63304 offers an array of homes under $400,000, making it an ideal place to settle down without breaking the bank.

In this delightful region, you'll find a variety of housing options, from cozy single-family homes to spacious townhouses, all designed to cater to diverse lifestyles and budgets. Many properties boast lovely features such as updated kitchens, expansive backyards, and community access to parks and recreational facilities.

Living in 63304 means enjoying the best of both worlds: a tranquil suburban lifestyle with easy access to urban conveniences. Residents appreciate the proximity to excellent schools, shopping centers, and dining options that cater to every palate. Outdoor enthusiasts will love the nearby parks and trails, perfect for weekend adventures or leisurely strolls.

Moreover, the strong sense of community in St. Charles County is palpable, with numerous local events, festivals, and farmer's markets that bring neighbors together. If you're looking for a place that combines affordability with a welcoming atmosphere, the 63304 zip code is a perfect choice. Discover your dream home in this delightful area today, where comfort, convenience, and community await!

Newest 63304 Homes under $400,000

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! As always, please double check school districts for accuracy!

71 Gray Owl Garth Ct, St Charles
1504 Surrey Ln Unit C, St Peters
$129,999
1 Beds ⋅ 1 Baths ⋅ 26063254 MLS ⋅ ACTIVE Status ⋅ Stone Ridge Estate Condos BLDG.
Welcome to 1504 Surrey Lane in St. Peters! This 1 bed, 1 bath condo offers an affordable opportunity to enjoy low-maintenance living in a convenient St. Peters location with parking space included. Inside, you’ll find a recently updated bathroom, new washer/dryer, new dishwasher 2025, new water heater 2024 and a cozy woodburning fireplace, and a functional layout that makes excellent use of the space. One of the biggest advantages is the low HOA fee of just $229 per month, making this an attractive option for a first-time buyer, someone looking to downsize, or anyone ready to leave renting behind. Residents also have access to the clubhouse, tennis courts, and swimming pool, with access available by key fob for an additional fee of $40 per month. You’re just minutes from popular restaurants, tap houses, gyms, parks, shopping, entertainment, and highly regarded local schools, while still enjoying a tucked-away serene setting. Schedule your showing and see why condo living in St. Peters can make so much sense!

1504 Surrey Ln Unit C, St Peters
1127 Caulks Hill Rd, St Charles
$350,000
3 Beds ⋅ 2 Baths ⋅ 26062809 MLS ⋅ ACTIVE Status
I don't know what's cuter, the park like yard, the cozy house, or the rustic barn! This one is a must see. Three bedrooms, two full baths, a finished walk-up basement, a BIG yard with plenty of parking, and a large outbuilding. What will you do with the barn? Cars, hobbies, shop, storage, run a business? This property is zoned residential, but it was home to a thriving landscape business for years until it outgrew the space. Come take a look, you won't be disappointed!

1127 Caulks Hill Rd, St Charles
898 Westerfield Dr Unit 1, Weldon Spring
$269,900
3 Beds ⋅ 3 Baths ⋅ 26061944 MLS ⋅ COMING SOON Status

898 Westerfield Dr Unit 1, Weldon Spring
5507 Dressel Dr, Cottleville
$369,999
4 Beds ⋅ 3 Baths ⋅ 26061588 MLS ⋅ ACTIVE Status
Coming Soon in Cottleville! Tucked into a quiet cul-de-sac, this well cared for 4-bedroom, 3-bath ranch offers inviting curb appeal, a 2-car garage, and room to spread out. Vaulted ceilings and abundant natural light make the open main living area feel bright and welcoming. The divided bedroom floor plan offers added privacy, with a primary suite featuring a spacious walk-in closet and private bath. Downstairs, the finished lower level adds a cozy family room and flexible space for a fourth bedroom or home office.

5507 Dressel Dr, Cottleville
116 Keeney Dr, Unincorporated
$299,900
2 Beds ⋅ 2 Baths ⋅ 26060271 MLS ⋅ ACTIVE Status
Welcome to 116 Keeney Dr – O'Fallon, MO 63304 This 2-bedroom, 1.5-bath home is packed with space and standout features you won't find on every corner. Step inside to a comfortable, functional layout, then head downstairs to a fully finished basement with walk-out access — perfect for a rec room, home office, gym, or additional living space, with easy access to the backyard. Car enthusiasts and hobbyists will love the massive 3-car tandem garage, offering serious storage and workspace beyond what a typical garage provides — room for vehicles, tools, toys, or a workshop setup. Outside, an awesome deck overlooks the backyard, ideal for entertaining, morning coffee, or unwinding after a long day. Combined with the walk-out basement, the outdoor living flow here is a rare find. Don't miss this one — schedule your showing today! Highlights: 2 Bed / 1.5 Bath Finished walk-out basement Huge 3-car tandem garage Spacious deck for entertaining

116 Keeney Dr, Unincorporated
1710 Hemingway Ln Unit B, Weldon Spring
$265,000
2 Beds ⋅ 2 Baths ⋅ 26060170 MLS ⋅ ACTIVE Status ⋅ Chapter One Bldg 5B BLDG.
Spectacular Ranch Condo is tastefully updated, offering "No Steps" "End Unit" Plus an "Oversized 2 car garage" which is a Rare Find!! Open Floor Plan with Vaulted Ceilings with many updates including Newer Floors, Newer HVAC, Water Heater, Dishwasher & Updated 2 Baths!! The Designer Kitchen features a Center Island, Breakfast Bar, Mullen Glass Cabinets & overlooks the Sun- Lit Breakfast room with a wall of windows! The Primary Suite includes a large walk- in closet, plus extra area for Storage. The Updated Master Bath includes Subway tiled Shower/ Tub with Spacious Vanity. Completing this gorgeous Home is another large Bedroom and upgraded bath with a laundry room leading into the 2 Car garage which offers Cabinets for storage. Additional features include floor to ceiling brick fireplace, Covered & Enclosed Patio for Entertaining! Community Amenities offer a Club House, Pool, Picket Ball, Tennis Courts, Walking Trails and a Lake. This Turnkey Property offers a nice size Ranch with No Steps and your own 2 car garage. Easy Access to Hwy 94 and Hwy 40

1710 Hemingway Ln Unit B, Weldon Spring
146 Old Buggy Ct Unit A, St Charles
$169,900
1 Beds ⋅ 2 Baths ⋅ 26046299 MLS ⋅ ACTIVE Status ⋅ Stone Ridge Estate Condos Bldg 12&14-16 BLDG.
Most one-bedroom condos feel small. This one doesn't. This beautifully updated main-level condo gives you the simplicity of condo living, while the finished lower level adds a surprising amount of usable space. The main level features fresh paint, luxury vinyl plank flooring, an inviting living and dining area, and an updated kitchen with range, microwave, dishwasher and refrigerator. The spacious primary bedroom and full bath are also on the main level. Then there's the downstairs. The finished lower level provides a large family room, a second full bathroom, and a bonus room that can adapt to whatever you need...home office, hobby space, exercise room, guests or additional storage. Step outside to your private patio overlooking common ground. A tankless water heater, gas HVAC with humidifier and air filtration, and an assigned parking space add to the home's everyday convenience. The HOA covers exterior maintenance, water, sewer and trash, giving you more time to enjoy your home and less to worry about maintaining it. Located near shopping, restaurants, parks and major highways, with Francis Howell School District. If you've been looking at one-bedroom condos but don't want to sacrifice usable space, this one is worth seeing in person. Schedule your private showing and see just how much more this condo offers than the square footage on the main level suggests.

146 Old Buggy Ct Unit A, St Charles
1268 Shirley Rige R Unit D, St Charles
$219,000
1 Beds ⋅ 1 Baths ⋅ 26059433 MLS ⋅ ACTIVE Status
Welcome home to 1268 Shirley Ridge Unit D in St. Charles! This charming 1-bedroom, 1-bath villa offers a comfortable layout with plenty of space to relax and enjoy. Step inside to a nice-sized kitchen with an adjoining dining room, perfect for everyday meals or entertaining. The large living room provides plenty of room to spread out and features access to the screened-in porch an ideal spot for morning coffee, relaxing in the evening, or enjoying the outdoors without the bugs! Whether you're a first-time buyer, looking to downsize, or simply ready for low-maintenance living, this villa offers a great combination of indoor and outdoor space in a convenient St. Charles location. Come see all that 1268 Shirley Ridge Unit D has to offer!

1268 Shirley Rige R Unit D, St Charles
4585 Gregory Gerard Dr, Unincorporated
$339,900
3 Beds ⋅ 2 Baths ⋅ 26058396 MLS ⋅ ACTIVE UNDER CONTRACT Status
CANCELED! CANCELED - Open House IS CANCELED ! There are some things that never go out of style—and this home is one of them! Classic curb appeal that holds up—crisp white siding, dark shutters, clean lines and a welcoming front elevation. 3 bedrms/2 full bathrooms and 1,835 sq ft of finished living space with an oversized 2 car attached garage. Inside, the kitchen has already had the important updates, with 42" custom cabinetry, quartz countertops, tile backsplash, stainless appliances and plenty of storage. Spacious bedrooms give everyone room to spread out, while the vaulted great room creates an open, comfortable gathering space. Downstairs is where this home really delivers on flexibility. The mostly finished walk-out lower level features a great family room with a fireplace, a full bath and a fun bar area ready for game nights, movie nights or entertaining. Need another bedroom? The bar area could potentially be reimagined to create a 4th bedroom, depending on your needs. Out back, the homeowners have added fencing and a landscaping retaining wall that creates a more defined backyard with room to relax, play and entertain. And then there’s Meadowridge Hills. Lakes, a clubhouse, pool and tennis give you plenty of ways to enjoy the neighborhood, while Veterans Tribute Park is within walking distance. It’s a neighborhood with amenities that make it easy to get outside, stay active and enjoy where you live.

4585 Gregory Gerard Dr, Unincorporated
1417 Saint Gregory Ln, St Charles
$300,000
3 Beds ⋅ 2 Baths ⋅ 26057767 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome to this beautifully updated 3-bedroom, 2-bath ranch in a convenient St. Peters location! Step inside to a spacious living room featuring a cozy fireplace and a large designated dining area with plenty of room for gatherings and entertaining. The fully renovated kitchen shines with brand-new cabinetry, stainless steel appliances, a gas stove and stylish hard-surface countertops. The hall bath has been refreshed with a resurfaced bathtub, while the comfortable ranch-style layout offers easy everyday living. Downstairs, the updated lower level features new flooring and additional finished living space—perfect for a recreation room, home office, gym or media area. A dedicated workbench/work area provides a great space for projects, hobbies or additional storage. Outside, enjoy a fenced backyard with plenty of room to relax, entertain or play. A one-car attached garage adds even more convenience and storage. Freshly updated, move-in ready and filled with functional living space, this St. Peters home is ready for its next owner! Added features: New roof and shed roof(2025), new LPV floors upstairs (2024) and basement (2026), fresh neutral paint throughout (2024 & 2025) and new HVAC (2025).

1417 Saint Gregory Ln, St Charles
1397 Valli Ln, St Charles
$349,900
4 Beds ⋅ 3 Baths ⋅ 26056210 MLS ⋅ ACTIVE Status
Look no further than this spacious and updated ranch home in a great Cottleville location! Situated on a half-acre lot on a quiet, tree-lined cul-de-sac, this home backs to Francis Howell Central HS. A brick front adds curb appeal and welcomes you inside to the bright, open layout of the main living space. You’ll love the hardwood floors and crown molding, plus wainscoting, 42” cabinets, and a breakfast bar separating the kitchen from the dining area. Beyond is the family room, featuring an electric fireplace with wood and granite detail. The primary bedroom has an en-suite half bathroom. Two more bedrooms and a hall bath with step-in tile-surround shower complete the main level. The finished basement adds a family room, 4th bedroom, laundry, and full bathroom with a large granite vanity and tile-surround tub. You’ll have a fully drywalled 2-car garage with its own entrance to the backyard. Enjoy grilling with friends and family on the deck and patio overlooking the fenced backyard, shaded by trees. Conveniently located moments from all of the restaurants and shops on Mid Rivers Mall and in charming Old Town Cottleville, with quick access to highways and extensive walking and bike paths along the Dardenne Greenway, this home is one you won’t want to miss!

1397 Valli Ln, St Charles
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