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Single Family ResidenceResidential
$326,285$218 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $300,000 on Dec 1, 2022

3409 COTTONWOOD DR

SAINT CHARLES, MO 63301
3
Beds
3
Baths
1,498 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$326K
$307K low$345K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$300,000 · Dec 1, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,942 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$60,347 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,985
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$317,618

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyST. CHARLES
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 120 ft²Porch · 100 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Discovery Elementary SchoolA-
Elementary · Grades KG–5 · 0.6 mi
M
Orchard Farm Middle SchoolA
Middle · Grades 6–8 · 5.8 mi
H
Orchard Farm High SchoolB
High · Grades 9–12 · 6.0 mi

District: Orchard Farm R-V School District

Neighborhood · ZIP 63301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.118

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.53,106
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.552 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,101
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,805
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3409 Cottonwood Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 77% of homes in Saint Charles 63301
  • Smaller than 74% of homes in St. Charles County
  • Has a bigger lot than 74% of homes in Saint Charles 63301
  • Newer than 67% of homes in Saint Charles 63301

What homes are worth in Saint Charles 63301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$155K$684K

This home is worth more than 57% of homes in Saint Charles 63301.

How it measures up in Saint Charles 63301

The dot is this home. The mark in the middle is the typical home in Saint Charles 63301.

Estimated value$326,285
CheaperTypical $307,204Pricier

Pricier than 57% of homes nearby

Price per ft²$218
CheaperTypical $185Pricier

Pricier than 77% of homes nearby

Living area1,498 ft²
SmallerTypical 1,721 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.25 ac
SmallerTypical 0.19 acBigger

Bigger than 74% of homes nearby

Year built1996
OlderTypical 1972Newer

Newer than 67% of homes nearby

How 3409 Cottonwood Dr ranks against every home in each area.
MeasureThis homeSaint Charles 63301St. Charles County
Estimated valuepricier than$326,28557% of homes37% of homes
Price per ft²pricier than$21877% of homes75% of homes
Living areabigger than1,498 ft²36% of homes26% of homes
Lot sizebigger than0.25 ac74% of homes63% of homes
Year builtnewer than199667% of homes53% of homes

About 3409 Cottonwood Dr

How much is 3409 Cottonwood Dr, Saint Charles, MO worth?

The TopHap Estimate for 3409 Cottonwood Dr, Saint Charles, MO is $326,285 as of Oct 21, 2026. The likely range is $307,485 to $345,085. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3409 Cottonwood Dr, Saint Charles, MO last sell?

3409 Cottonwood Dr, Saint Charles, MO last sold on Dec 1, 2022 for $300,000, according to the county's recorded deed.

How big is 3409 Cottonwood Dr, Saint Charles, MO?

3409 Cottonwood Dr, Saint Charles, MO has 3 bedrooms, 3 bathrooms, 1,498 square feet of living space and a 0.25-acre lot.

When was 3409 Cottonwood Dr, Saint Charles, MO built?

3409 Cottonwood Dr, Saint Charles, MO was built in 1996, making it 30 years old. It is a ranch home. The building has 1 story.

What schools serve 3409 Cottonwood Dr, Saint Charles, MO?

3409 Cottonwood Dr, Saint Charles, MO is assigned to Discovery Elementary School (elementary), rated A-; Orchard Farm Middle School (middle), rated A; Orchard Farm High School (high), rated B. All sit in Orchard Farm R-V School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3409 Cottonwood Dr, Saint Charles, MO compare to other homes in Saint Charles 63301?

Among the 18,974 homes in Saint Charles 63301, it is worth more than 57% of them ($326,285 against a typical $307,204), its price per square foot is higher than 77% of them ($218 against a typical $185), it is bigger than 36% of them (1,498 ft² against a typical 1,721 ft²), its lot is bigger than 74% of them (0.25 ac against a typical 0.19 ac) and it is newer than 67% of them (1996 against a typical 1972). Measured against all of St. Charles County, it is worth more than 37% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3409 Cottonwood Dr, Saint Charles, MO?

The 2025 property tax bill for 3409 Cottonwood Dr, Saint Charles, MO was $3,942. The county assessed it at $60,347.

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