Discover the perfect blend of privacy, recreation and thoughtful updates in this 2-story home set on 3.24 picturesque acres in desirable Callaway Valley. Offering 4 bedrooms and 3.5 baths with 1,922 sf of finished living space above grade, this home delivers both functionality and flexibility. Numerous updates have been completed throughout, including refreshed bathrooms and improvements across the interior, creating a move-in-ready feel while maintaining warmth and character. The walk-out lower level includes partial finishing, providing additional living space with the opportunity to easily complete to your specifications - ideal for a recreation room. The exterior renovation completed in December of 2025 is a standout feature. Improvements include new siding, roof, gutters, gutter guards, fascia, exterior lighting, an insulated garage door and a low-maintenance composite deck with pergola- perfect for entertaining or relaxing while enjoying the peaceful acreage. Windows were replaced just 2 years ago and include a transferable warranty, offering added value and peace of mind. Outdoors, the property truly shines. The rare, mostly flat yard provides ample space for play, gardening and exploration. Enjoy summer days in the large above-ground pool or take advantage of the spacious barn/shed with electric-ideal for hobbies, storage, or small equipment. A dedicated garden area adds to the property's versatility for those seeking a more self-sustaining lifestyle. Ownership includes access to Callaway Valley's private, gated 160 acre lake, offering fishing, boating a beach and pavilion amenities- an exceptional recreational benefit that enhances the overall lifestyle appeal of this property. If you've been searching for acreage, updates and lake privileges in one cohesive package, this property delivers.
Est. $3,380 per month, based on comparable rentals
Sale and tax history for 640 Callaway Ridge Dr
Sale History
Tax History
Date
Event
Price
Public Records
Apr 16, 2026
Sold
$580,000
$302/sq ft
MARIS as Distributed by MLS Grid #26009599
Apr 15, 2026
Sold
*
Mar 16, 2026
Pending
—
Feb 22, 2026
Listed
$575,000
$299/sq ft
Feb 20, 2026
Coming Soon
$575,000
$299/sq ft
Public Records
Dec 18, 2003
Sold
$243,000
$126/sq ft
Public Records
Dec 1, 1996
Sold
$149,900
$78/sq ft
Public Records
May 1, 1993
Sold
$113,956
$59/sq ft
Public Records
Feb 1, 1993
Sold
—
Year
Property tax
Land + Additions
Assessment*
2025
$3,756 (+1.9%)
2024
$3,684 (+4.8%)
2023
$3,516 (+9.3%)
2022
$3,217
2021
$3,220 (+2.6%)
2020
$3,138 (+1.3%)
2019
$3,098 (+1.5%)
2018
$3,051 (+0.6%)
2017
$3,033 (+2.4%)
2016
$2,963
2015
$2,962 (+3.3%)
2014
$2,866
Public record
Public record
Zoning
Permits
Beds
4
Baths
3.5
Stories
2
Lot width
—
Lot depth
—
Lot size
3.24 Acres
Year renovated
—
Sq. Ft.
1,922
Year built
1993
Style
Single Family Residential
County
St. Charles County
APN
3-0077-6369-00-0202.0000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 7, 2026.
A
Agricultural District
The intent of this district is to provide for agricultural, recreational, wildlife, open space, farming, river oriented uses and related uses and to discourage premature and disassociated urban development. The minimum lot size of 5 acres is designed to support agricultural uses and home sites which require proper siting in a rural area.
Permitted uses
Include but are not limited to:
Agriculture
Dairy
Livestock production
Religious facility
Housing-Single unit
Public service
Educational/school
Golf related
Cemetery
Park & open space
Jun 14, 2019 • Final
Residential building
Remodel the master bathroom and add a new bathroom in the basement.
Addition
Bathroom
Remodel
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Window Features: Bay Window(s), Blinds, Double Pane Windows, Insulated Windows, Skylight(s), Tilt-In Windows
Appliances: Stainless Steel Appliance(s), Dishwasher, Disposal, Ice Maker, Microwave, Propane Water Heater, Gas Range, Gas Water Heater, Water Softener
Flooring: Carpet, Ceramic Tile, Wood
Exterior
Building Information
Construction Materials: Vinyl Siding
Roof: Architectural Shingle
Exterior Features
Patio And Porch Features: Composite, Front Porch
Exterior Features: Garden, Private Yard, Storage
Fencing: None
Door Features: French Door(s), Panel Door(s)
Pool Information
Pool YN: 1
Has Private Pool
Pool Features: Above Ground, Liner, Outdoor Pool, Pool Cover
Property Information
Ownership Type: Private
Property Type: Residential
Property Sub Type: Single Family Residence
Other Structures: Shed(s)
Above Grade Finished Area: 1,922
Above Grade Finished Area Source: Public Records
Below Grade Finished Area Source: Public Records
Lot Information
Lot Features: Back Yard, Front Yard, Garden, Level, Natural Foliage, Rectangular Lot, Wooded
Lot Size Acres: 3.24
Lot Size Dimensions: 221x675x53x78x77x50x639
Lot Size Source: Public Records
Road Surface Type: Asphalt
Road Frontage Type: Private Road
Financial
Tax Information
Tax Annual Amount: $3,756
Tax Annual Amount Description: Owner Occupied
Tax Year: 2025
Property Assessment City Tax YN: 0
Lease / Rent Details
Lease Considered YN: No
Financial Information
Second Mortgage YN: 0
Utilities
Utility Information
Water Source: Public
Electric: Single Phase
Sewer: Septic Tank
Utilities: Electricity Connected, Propane, Underground Utilities, Water Connected
Location
HOA Information
Association Name: Callaway Valley
Has HOA
Association Amenities: Beach Access, Beach Rights, Boating, Lake
Association Fee: $650
Association Fee Frequency: Annually
Association Fee Includes: Maintenance Parking/Roads
School Information
Elementary School: Daniel Boone Elem.
Middle Or Junior High School: Francis Howell Middle
High School: Francis Howell High
High School District: Francis Howell R-III
Location Information
Directions: From Hwy 40 and Hwy94 - South to right on Hwy D through 1st stop sign to 2nd stop sign make a left onto Hwy F- left into Callaway Valley subdivision - stay on Callaway ridge Dr. - right into property From Hwy 70 - south on Hwy Z - right at stop sign - left at stops sign onto Hwy F - left into Callaway Valley Subdivision -stay on Callaway Ridge Dr. - right into property.
Address Line: 640 Callaway Ridge DR, DFNC MO 63341
Public facts
Beds: 4
Baths: 3.5
Sq. Ft.: 1,922
Stories: 2.0
Lot Size: 3.24 acres
Style: Single Family Residential
Year Built: 1993
Year Renovated: —
County: St. Charles County
APN: 3-0077-6369-00-0202.0000000
Home facts updated by county records on Aug 7, 2026
Other
Listing Information
Auction YN: 0
Home Warranty YN: No
Home Information
Living Area: 1922
Living Area Source: Public Records
Living Area Srch Sq Ft: 1922.00
Living Area Unknown YN: 0
Above Grade Finished Area Srch Sq Ft: 1922.00
Foundation Details: Concrete Perimeter
Building Features: Fiber Optic
Public Records
Structure Type: House
Levels: Two
Around this home
Schools
Daniel Boone Elementary School
Public K-5 • Assigned • 2.7mi
9/10
Francis Howell Middle School
Public 6-8 • Assigned • 10.1mi
8/10
Francis Howell High School
Public 9-12 • Assigned • 7.8mi
10/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
4/10 Heat Factor
7 days above 107° expected this year, 19 days in 30 years
2/10 Wind Factor
1% chance of strong winds in next 30 years
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Defiance, MO • 63341
Average low and high temperatures (°F)
39
21
48
29
67
42
72
51
75
56
85
67
90
72
87
65
83
60
74
49
58
40
47
30
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.7 hours in
June and 4.2 hours in December, which is comparable to the
U.S. average for solar exposure.
9.7 hrs
4.2 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$575,000 – $695,000
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