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Single Family ResidenceResidential
$334,079$175 / 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 Jul 14, 2026

3109 RIVER RIDGE PL

SAINT CHARLES, MO 63303
3
Beds
2
Baths
1,909 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$334K
$313K low$355K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$273,104
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$218,483
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.18%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$60,975
CHASE MANHATTAN MORTGAGE CORP · recorded Apr 7, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,901 (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.$64,969 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$58,375
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$341,941

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.0.31
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
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 · 550 ft²Porch · 85 ft²

Transaction History(1)

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.

M
Barnwell Middle SchoolA
Middle · Grades 6–8 · 0.8 mi
E
Becky-David Elementary SchoolC+
Elementary · Grades PK–5 · 0.9 mi
H
Francis Howell North High SchoolA-
High · Grades 9–12 · 1.8 mi

District: Francis Howell R-Iii School District

Neighborhood · ZIP 63303These 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.109
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 100.120

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
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.49,284
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,207 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$97,939
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,978
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

3109 River Ridge Pl 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.

  • Has a bigger lot than 77% of homes in Saint Charles 63303
  • Older than 65% of homes in St. Charles County

What homes are worth in Saint Charles 63303

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

This home
$133K$703K

This home is worth more than 47% of homes in Saint Charles 63303.

How it measures up in Saint Charles 63303

The dot is this home. The mark in the middle is the typical home in Saint Charles 63303.

Estimated value$334,079
CheaperTypical $342,435Pricier

Pricier than 47% of homes nearby

Price per ft²$175
CheaperTypical $167Pricier

Pricier than 59% of homes nearby

Living area1,909 ft²
SmallerTypical 2,025 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.31 ac
SmallerTypical 0.22 acBigger

Bigger than 77% of homes nearby

Year built1986
OlderTypical 1988Newer

Newer than 44% of homes nearby

How 3109 River Ridge Pl ranks against every home in each area.
MeasureThis homeSaint Charles 63303St. Charles County
Estimated valuepricier than$334,07947% of homes43% of homes
Price per ft²pricier than$17559% of homes45% of homes
Living areabigger than1,909 ft²46% of homes47% of homes
Lot sizebigger than0.31 ac77% of homes76% of homes
Year builtnewer than198644% of homes35% of homes

About 3109 River Ridge Pl

How much is 3109 River Ridge Pl, Saint Charles, MO worth?

The TopHap Estimate for 3109 River Ridge Pl, Saint Charles, MO is $334,079 as of Jul 14, 2026. The likely range is $312,733 to $355,425. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3109 River Ridge Pl, Saint Charles, MO last sell?

3109 River Ridge Pl, Saint Charles, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3109 River Ridge Pl, Saint Charles, MO?

3109 River Ridge Pl, Saint Charles, MO has 3 bedrooms, 2 bathrooms, 1,909 square feet of living space and a 0.31-acre lot.

When was 3109 River Ridge Pl, Saint Charles, MO built?

3109 River Ridge Pl, Saint Charles, MO was built in 1986, making it 40 years old. It is a ranch home. The building has 1 story.

What schools serve 3109 River Ridge Pl, Saint Charles, MO?

3109 River Ridge Pl, Saint Charles, MO is assigned to Barnwell Middle School (middle), rated A; Becky-David Elementary School (elementary), rated C+; Francis Howell North 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 3109 River Ridge Pl, Saint Charles, MO compare to other homes in Saint Charles 63303?

Among the 16,152 homes in Saint Charles 63303, it is worth more than 47% of them ($334,079 against a typical $342,435), its price per square foot is higher than 59% of them ($175 against a typical $167), it is bigger than 46% of them (1,909 ft² against a typical 2,025 ft²), its lot is bigger than 77% of them (0.31 ac against a typical 0.22 ac) and it is newer than 44% of them (1986 against a typical 1988). Measured against all of St. Charles County, it is worth more than 43% 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 3109 River Ridge Pl, Saint Charles, MO?

The 2025 property tax bill for 3109 River Ridge Pl, Saint Charles, MO was $3,901. The county assessed it at $64,969.

More homes on River Ridge Pl

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Assigned schools

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