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CondominiumResidential
$191,915$183 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $90,000 on Mar 4, 2025

432 SHIRLEY RIDGE DR

SAINT CHARLES, MO 63304
1
Beds
1
Baths
1,047 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.
0.91 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$192K
$185K low$199K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$90,000 · Mar 4, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,796 (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.$30,479 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,910
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$160,415

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyST. CHARLES
Lot (acres)The size of the land the home sits on, from county records.0.91
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
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.DeckPatio · 180 ft²

Transaction History(3)

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
Central Elementary SchoolB
Elementary · Grades KG–5 · 1.1 mi
M
Bryan Middle SchoolA
Middle · Grades 6–8 · 2.6 mi
H
Francis Howell High SchoolA+
High · Grades 9–12 · 5.2 mi

District: Francis Howell R-Iii School District

Neighborhood · ZIP 63304These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.111

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.46,310
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,135 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,163
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$146,086
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

432 Shirley Ridge 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.

  • Worth less than 97% of homes in Saint Charles 63304
  • Smaller than 96% of homes in Saint Charles 63304
  • Has a bigger lot than 92% of homes in Saint Charles 63304

What homes are worth in Saint Charles 63304

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

This home
$191K$1.1M

This home is worth more than 3% of homes in Saint Charles 63304.

How it measures up in Saint Charles 63304

The dot is this home. The mark in the middle is the typical home in Saint Charles 63304.

Estimated value$191,915
CheaperTypical $398,032Pricier

Pricier than 3% of homes nearby

Price per ft²$183
CheaperTypical $193Pricier

Pricier than 41% of homes nearby

Living area1,047 ft²
SmallerTypical 2,161 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.91 ac
SmallerTypical 0.24 acBigger

Bigger than 92% of homes nearby

Year built1987
OlderTypical 1991Newer

Newer than 40% of homes nearby

How 432 Shirley Ridge Dr ranks against every home in each area.
MeasureThis homeSaint Charles 63304St. Charles County
Estimated valuepricier than$191,9153% of homes4% of homes
Price per ft²pricier than$18341% of homes49% of homes
Living areabigger than1,047 ft²4% of homes7% of homes
Lot sizebigger than0.91 ac92% of homes92% of homes
Year builtnewer than198740% of homes37% of homes

About 432 Shirley Ridge Dr

How much is 432 Shirley Ridge Dr, Saint Charles, MO worth?

The TopHap Estimate for 432 Shirley Ridge Dr, Saint Charles, MO is $191,915 as of Aug 30, 2026. The likely range is $185,263 to $198,567. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Shirley Ridge Dr, Saint Charles, MO last sell?

432 Shirley Ridge Dr, Saint Charles, MO last sold on Mar 4, 2025 for $90,000, according to the county's recorded deed.

How big is 432 Shirley Ridge Dr, Saint Charles, MO?

432 Shirley Ridge Dr, Saint Charles, MO has 1 bedrooms, 1 bathrooms, 1,047 square feet of living space and a 0.91-acre lot.

When was 432 Shirley Ridge Dr, Saint Charles, MO built?

432 Shirley Ridge Dr, Saint Charles, MO was built in 1987, making it 39 years old. It is a traditional/old home. The building has 1 story.

What schools serve 432 Shirley Ridge Dr, Saint Charles, MO?

432 Shirley Ridge Dr, Saint Charles, MO is assigned to Central Elementary School (elementary), rated B; Bryan Middle School (middle), rated A; Francis Howell High School (high), rated A+. All sit in Francis Howell R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 432 Shirley Ridge Dr, Saint Charles, MO compare to other homes in Saint Charles 63304?

Among the 15,714 homes in Saint Charles 63304, it is worth more than 3% of them ($191,915 against a typical $398,032), its price per square foot is higher than 41% of them ($183 against a typical $193), it is bigger than 4% of them (1,047 ft² against a typical 2,161 ft²), its lot is bigger than 92% of them (0.91 ac against a typical 0.24 ac) and it is newer than 40% of them (1987 against a typical 1991). Measured against all of St. Charles County, it is worth more than 4% 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 432 Shirley Ridge Dr, Saint Charles, MO?

The 2025 property tax bill for 432 Shirley Ridge Dr, Saint Charles, MO was $1,796. The county assessed it at $30,479.

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