204 Montecito Terrace, St Charles, MO 63304

• 3 beds |
• 2 baths |
• 1,321 sqft

Property Description

Welcome to 204 Montecito Terrace in the highly sought-after Montecito subdivision! This beautifully maintained 3-bedroom, 2-bath ranch delivers over 1,300 sq ft of bright, open living space. Step inside to soaring vaulted ceilings, a cozy fireplace, recessed lighting, and luxury vinyl plank flooring flowing through the main living areas. The showstopper kitchen features rich espresso cabinetry with designer gold hardware, stainless appliances, and breakfast-bar seating that opens to the dining area with a wall of windows overlooking the backyard. The spacious primary suite offers a charming bay-window sitting area, and both baths are tastefully finished. Built in 2005, all major systems are well within their expected life — move in with total confidence. Out back, a BRAND NEW wood deck steps down to a patio and a huge, flat, fully usable lot backing to a private tree line — no rear neighbors, just green space. Add a welcoming covered front porch, an oversized garage with carriage-style doors, and a location in the acclaimed Francis Howell School District, and you've got a home that works as a fantastic first home or a forever home. Homes in Montecito rarely hit the market — schedule your showing today!

Listing Status:

Pending

Date Added:

July 31, 2026

Data Last Updated:

August 11, 2026 at 5:18PM

Listing Office:

Patton Properties : 314-821-8900

MLS ID:

26046162

Interior

• General: Eat-in KitchenOpen FloorplanVaulted Ceiling(s)
• Appliances: Stainless Steel Appliance(s)DishwasherMicrowaveOvenRefrigerator
• Laundry: In Basement
• Basement: 9 ft + PourUnfinishedWalk-Out Access
• Flooring: Luxury Vinyl
• A/C: Central Air
• Heating: Forced Air
• Fireplace: Living RoomFireplaceFireplaces: 1

Exterior

• Style: RanchTraditional
• Other Structures: Deck
• Parking: Attached

Construction

• Roofing: Asphalt
• General: Vinyl SidingOneConcrete Perimeter

Location

• HOA Amenities: Association Management600.0Annually
• Originating MLS: maris2
• School District: Francis Howell R-III
• County: St. Charles

Lot

• Zoning: MONTECITO LOT 64D3-0120-9587-00-064D.0000000
• Fencing: None

Utilities

• Utilities: Ameren
• Water: Public
• Sewer: Public Sewer

Financial

• Source: maris2
• Ownership: Private