Lake St Louis Homes under $400,000

Lake St Louis Homes under $400,000

Welcome to Lake St. Louis, a picturesque gem nestled in St. Charles County, Missouri. This vibrant city is known for its beautiful lakes, lush parks, and a welcoming community atmosphere that makes it a perfect place to call home. With its charming small-town feel combined with modern conveniences, Lake St. Louis offers residents a unique blend of tranquility and accessibility, making it an ideal location for families, professionals, and retirees alike.

One of the standout features of Lake St. Louis is its stunning outdoor recreation opportunities. The city is home to two beautiful lakes that provide a plethora of activities, from fishing and boating to picnicking and hiking along scenic trails. The parks in the area are well-maintained and provide ample space for sports, playgrounds, and community events, ensuring that residents can enjoy a fulfilling lifestyle surrounded by nature.

For those seeking affordable housing options, Lake St. Louis is an excellent choice, with a variety of homes available for under $400,000. Whether you’re looking for a cozy single-family home, a charming townhouse, or a spacious condo, the real estate market in this area offers something for everyone. Many of these homes feature modern amenities, beautiful landscaping, and proximity to local schools and shopping centers.

With its friendly community, stunning natural beauty, and affordable housing options, Lake St. Louis is not just a place to live; it’s a place to thrive. Come explore the possibilities and discover why so many are choosing to make this lovely city their home!

Newest Lake St Louis Homes under $400,000

159 Ripple Creek Dr, Lake St Louis
$362,109
3 Beds ⋅ 3 Baths ⋅ 26063857 MLS ⋅ ACTIVE Status
McBride Homes’ Burlington 2-story 3BR, 2.5 BA will be move in ready this winter! Rustic Craftsman exterior! This beautiful townhome has an open floorplan with a lg family room, breakfast area, & kitchen w/extended breakfast bar. The kitchen has level 4 Winstead Burlap 42” cabinets, quartz countertops, & stainless-steel GE appliances. Wood laminate flooring throughout the main level! Primary bedroom has 2 large walkin closets & private bath w/double bowl vanity, enclosed toilet, linen closet & walkin shower. The 2nd floor has a laundry room, 2 extra bedrooms w/walk-in closets, & full bath! Extras: ¾ bath rough in at LL, 6 panel white interior doors & garage coachlights. Dogwood Grove features an enclave of low-maintenance townhomes in the heart of Lake Saint Louis. Enjoy a community dog park, plus lawn care, snow removal, & exterior maintenance included through the HOA. Enjoy peace of mind with McBride Homes’ 10 year builders warranty & incredible customer service! Similar photos shown.

159 Ripple Creek Dr, Lake St Louis
157 Ripple Creek Dr, Lake St Louis
$346,698
3 Beds ⋅ 2 Baths ⋅ 26063838 MLS ⋅ ACTIVE Status
McBride Homes’ Burlington 2-story 3BR, 2 BA will be move in ready this winter! Craftsman exterior! This beautiful townhome has an open floorplan with a lg family room, breakfast area, & kitchen w/extended breakfast bar. The kitchen has level 3 Benton Sarsaparilla 42” cabinets, quartz countertops, & stainless-steel GE appliances. Wood laminate flooring throughout the main level! Primary bedroom has 2 large walkin closets & private bath w/double bowl vanity, linen closet & walkin shower. The 2nd floor has a laundry room, 2 extra bedrooms w/walk-in closets, & full bath! Extras: ¾ bath rough in at LL, 6 panel white interior doors, & garage coachlights. Dogwood Grove features an enclave of low-maintenance townhomes in the heart of Lake Saint Louis. Enjoy a community dog park, plus lawn care, snow removal, & exterior maintenance included through the HOA. Enjoy peace of mind with McBride Homes’ 10 year builders warranty & incredible customer service! Similar photos shown.

157 Ripple Creek Dr, Lake St Louis
155 Ripple Creek Dr, Lake St Louis
$354,528
3 Beds ⋅ 3 Baths ⋅ 26063835 MLS ⋅ ACTIVE Status
McBride Homes’ Burlington 2-story 3BR, 2.5BA will be move in ready this winter! Rustic Craftsman exterior! This beautiful townhome has an open floorplan with a lg family room, breakfast area, & kitchen w/extended breakfast bar. The kitchen has Winstead Burlap 42” cabinets, quartz countertops, & stainless-steel GE appliances. Wood laminate flooring throughout the main level! Primary bedroom has 2 large walkin closets & private bath w/double bowl vanity, enclosed toilet, linen closet & walkin shower. The 2nd floor has a laundry room, 2 extra bedrooms w/walk-in closets, & full bath! Extras: ¾ bath rough in at LL, 6 panel white interior doors, & garage coachlights. Dogwood Grove features an enclave of low-maintenance townhomes in the heart of Lake Saint Louis. Enjoy a community dog park, plus lawn care, snow removal, & exterior maintenance included through the HOA. Enjoy peace of mind with McBride Homes’ 10 year builders warranty & incredible customer service! Similar photos shown.

155 Ripple Creek Dr, Lake St Louis
2031 Preston Woods Pkwy, Lake St Louis
$339,000
3 Beds ⋅ 3 Baths ⋅ 26063020 MLS ⋅ COMING SOON Status
Fantastic ranch home in O’Fallon’s coveted Preston Woods! Offering solid bones and a great layout, this home is ready for its next owner to add a few personal touchups and customize it to suit their style. A charming covered porch opens to a bright layout featuring a dedicated home office, a cozy living room with a gas fireplace, and a sunlit kitchen equipped with 42" cabinets, stainless steel appliances, and a dining area. The main-floor primary suite boasts a walk-in closet, dual-sink vanity, soaking tub, and step-in shower. Two extra bedrooms, a second full bath, and main-floor laundry add everyday convenience. The finished basement is an absolute highlight—featuring an open rec room, a guest/teen bonus room with an attached full bath, and massive storage space! Outside, enjoy a private fenced yard and patio. Neighborhood perks include a pool, clubhouse, and playground, close to highways, schools, and shopping. Incredible value with room to build instant equity!

2031 Preston Woods Pkwy, Lake St Louis
2 Burlington At, Lake St Louis
$302,900
3 Beds ⋅ 2 Baths ⋅ 26063417 MLS ⋅ ACTIVE Status
Pre-Construction. TO-BE-BUILT floor plan ready to personalize into your dream home! LIST PRICE and PHOTOS are for 3BR, 2BA Burlington two-story. Perfect attached townhome for young professionals or those looking to downsize! Pricing will vary depending on various interior/exterior selections. This home features an open floorplan with wonderful living room that flows to the kitchen and dining area. Plenty of cabinetry, plus optional breakfast bar for additional seating. The primary suite includes a large walk in closet and private bathroom. The Burlington includes 2 car garage, soffits & fascia and much more! Additional choices include 2nd floor laundry, luxury master bath, and more! Dogwood Grove offers unbeatable value for new construction townhomes in the Lake St. Louis area. Enjoy low-maintenance living with access to a dog park and beautifully maintained common ground. Enjoy peace of mind with McBride Homes' 10 year builders warranty! Display photos shown.

2 Burlington At, Lake St Louis
3002 San Souci Dr Unit 3002, Lake St Louis
$139,900
2 Beds ⋅ 2 Baths ⋅ 26062159 MLS ⋅ ACTIVE Status ⋅ Mystic Village Condos BLDG.
Welcome home to this beautiful move-in ready condo in the desirable Lake St. Louis community with so many great features and amenities! You’ll love the new updated kitchen, new main level flooring, fresh paint, amazing LSL amenities and more! Step inside to the light & bright living room with beautiful new luxury vinyl plank flooring and convenient main floor half bathroom. The dining room boasts new luxury vinyl plank flooring and access to the private, fenced backyard with patio perfect for enjoying your morning coffee! The fully updated kitchen offers new custom cabinetry, new stainless steel appliances, sleek backsplash, and new flooring. The upper level features two spacious bedrooms and modern, updated full hall bathroom! More living space to love in the partially finished lower level with fresh paint and large storage room. Resort style living awaits with full lake access, golf, pools, clubhouse, marinas, parks, concerts & endless Lake St. Louis community activities! Easy, low maintenance living!

3002 San Souci Dr Unit 3002, Lake St Louis
17 Belmonte Ct, Lake St Louis
$325,000
3 Beds ⋅ 3 Baths ⋅ 26062814 MLS ⋅ ACTIVE Status ⋅ Belmonte Landing BLDG.
Location! Location! Location! A perfect sized home in the perfect location close to everything in Lake St Louis! This fantastic home features all the things buyers want: vaulted ceilings, main floor laundry, a HUGE pantry, finished walk-out lower with tons of living space, gas fireplace; bedroom and bathroom; primary with vaulted ceilings and en suite bathroom; a cul-de-sac lot backing to a lush green, treeline! It just doesn't get better than this! AND the monthly HOA- just $115/month! Lovingly maintained by the original owner; updates in 2026 include: a new composite deck, concrete driveway replacement, new water heater. Close to shopping, restaurants, medical. Easy access to Hwy 64/40/364 and Hwy 70. OPEN HOUSE, Sunday 10/4, 12-2pm.

17 Belmonte Ct, Lake St Louis
133 Harbor View Dr, Lake St Louis
$249,999
3 Beds ⋅ 2 Baths ⋅ 26061086 MLS ⋅ ACTIVE Status
Are you still dreaming of Sweet Summertime?!?! Residents of Harbor Town, in the heart of Lake St. Louis, are still enjoying warm days out on the lake and sandy days at the private beach. Experience the ultimate "staycation" lifestyle in this beautifully maintained 3-bedroom, 1.5-bath townhome in the heart of the sought-after Harbor Town community! Step inside to find a freshly painted interior with newer laminate flooring throughout the main floor. The inviting main floor features a cozy living room anchored by a wood-burning fireplace, a functional kitchen with a convenient breakfast bar, and a bright dining room—perfect for everyday living or hosting friends. Upstairs, the primary bedroom is a peaceful retreat with soaring vaulted ceilings and a spacious walk-in closet, accompanied by two additional bedrooms and a full bath. The excitement continues in the partially finished lower level, which offers a versatile home office or sleeping area and an extra bonus room for a gym or hobby space. Step outside to your private patio that backs directly to the community pool for easy summer fun. Best of all, owning here gives you access to the prestigious Lake St. Louis Community Association amenities: two private lakes for boating and fishing, a 20,000 sq. ft. clubhouse, three pools, tennis and pickleball courts, and a 9-hole golf course. Don't miss your chance to enjoy resort-style living at an incredible value!

133 Harbor View Dr, Lake St Louis
214 Oakridge Ln, Lake St Louis
$275,000
3 Beds ⋅ 2 Baths ⋅ 26059535 MLS ⋅ ACTIVE Status
Location…location! This ranch-style home offers updates with a setting that’s hard to beat. A carport with attached shed provides both parking and storage, a large, level fenced backyard with 2 additional sheds and a covered patio for all your outdoor needs. Inside you’ll find lots of updates like flooring, appliances, fixtures, doors, etc. Living room has a bright, airy feel with a large picture window. The kitchen is as functional as it is charming with stainless steel appliances, tile backsplash and direct access to that huge backyard perfect for outdoor entertaining. The main floor includes 3 generous sized bedrooms and an updated bath. Updated lighting adds a modern touch throughout the home. Downstairs, the mostly finished basement expands your living space with plenty of room for relaxing, hobbies, or a home office plus a full bath. This is a move-in ready home that combines thoughtful updates with an exceptional lot. This one won’t last long and is ready for you to call it home.

214 Oakridge Ln, Lake St Louis
2804 Savoy Dr Unit 2804, Lake St Louis
$167,000
3 Beds ⋅ 3 Baths ⋅ 26058812 MLS ⋅ ACTIVE Status
Spacious and updated 3-bedroom, 3-bath townhome with full basement in Lake St. Louis. Newer floors throughout main level boasting a bright and airy kitchen which opens to the generously sized breakfast room, this flows right into the cozy living room sized perfectly for family gatherings, then we also have a half bath with extended space to complete the main level. You will love how open and airy this main floor is. Then upstairs you’ll find three bedrooms and two full baths, including a large primary suite with oversized walk-in closet and private bath with shower. The secondary bedrooms are nicely sized with larger windows. The finished basement offers a family room/recreation room plus plenty of storage. And if you want to enjoy your morning coffee outside, you can walk right out your back door to a private little oasis which is currently a blank canvas for you to design to your hearts content and make it your perfect outdoor living space. And lets not forget the reason people are drawn to Lake St. Louis, you can now enjoy Lake St. Louis Community Association rights, and everything that has to offer including access to two lakes, clubhouse, pool, golf, tennis, pickleball, and more. There are over 55 different clubs you can join, so there is something for everyone here. Two HOA fees (monthly and annual) apply—contact association for details.

2804 Savoy Dr Unit 2804, Lake St Louis
1941 Gascony Parc Dr Unit 1941, Lake St Louis
$98,000
1 Beds ⋅ 1 Baths ⋅ 26057230 MLS ⋅ ACTIVE Status ⋅ Mystic Village Condos BLDG.
Check out this main level Lake St. Louis Condo! This condo offers a large living area with tons of natural light and connects to the dining area that then brings you to the kitchen. Kitchen is complete with plenty of cabinet & counter space. The bedroom is large with a walk-in closet and the bathroom features a tub/shower combo and vanity. This condo has several additional closets throughout for great storage. This condo is in a great location with the pool and clubhouse nearby and many other amenities available including: 2 lakes, beach access, boating with power boats allowed, golf course, playground, recreation facilities, tennis courts and laundry facility. Not only having great amenities included with this condo it is also conveniently located close to desirable restaurants, hospitals, shopping destinations and major highways. This desirable Lake St. Louis Community has it all so do not hesitate to come check out this wonderful condo today! Seller is motivated to sell and willing to help a buyer with closing costs.

1941 Gascony Parc Dr Unit 1941, Lake St Louis
526 Golden Leaf Ct, Lake St Louis
$389,000
3 Beds ⋅ 3 Baths ⋅ 26056335 MLS ⋅ ACTIVE Status
Seller says bring a offer! Exceptional comfort and convenience await in this pristine, 6-year-young two-story home in Lake St. Louis's highly desirable Wyndstone community! This move-in-ready gem features 3 bedrooms, 2.5 baths, and a bright, functional layout designed for modern living. The gourmet kitchen boasts upgraded cabinetry, a handcrafted gas range hood, a custom coffee station, quartz countertops, a tile backsplash, and seamless flow into the main living areas. Upstairs, enjoy spacious bedrooms, a private primary suite with built-in closet organization, and convenient second-floor laundry. Step outside to your peaceful private backyard retreat featuring a paver patio, Jacuzzi, and fire pit with tempered fire glass—perfect for entertaining or relaxing. Prime location with quick access to I-64, Hwy N, Hawk Ridge Trail, The Meadows, and top-rated parks!

526 Golden Leaf Ct, Lake St Louis
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