Take advantage of a 5.5% interest rate (year 1, then 6.5% year 2; see assumptions below) HOW you ask??? The seller is offering the buyer a 2-1 temporary interest buydown, saving you almost $12, 000 in payments over the first two years! For comparison, a $12, 000 price reduction would lower your payment by about $67 a month. A seller-paid buydown could be your best move and even get you home before the holidays!! Looking for a move-in ready ranch in Lake Saint Louis? Welcome home to the Villages at Shady Creek, one of Lake Saint Louis's most sought-after communities. This 2021 Lombardo custom ranch, the popular Augusta model, offers true one-level living with 3 bedrooms, 2.5 baths, a main floor den, and 2, 232 sq ft of thoughtfully designed space. With an open floor plan, quality finishes, and room to grow, it's the perfect fit for downsizers, growing families, and anyone ready for main floor living. Note: the home carries an O'Fallon, MO mailing address but is located within the City of Lake Saint Louis. From the moment you step into the foyer, you'll feel the difference. Luxury vinyl plank flooring flows through the main living areas, and 9 to 11 ft ceilings give the whole home an open, airy feel. The great room is the heart of the home, with 11 ft ceilings, abundant natural light, and a dramatic stone fireplace wall that sets the stage for cozy nights in and easy entertaining. Oversized garage features a 4 ft extension all the way across and has 8 ft tall garage doors. This home features soffit lighting and a Christmas light package which enhances the outdoor elegance. The sprinkler system piping at the house is in place for an easy and quick connection. Beautiful garden beds and trellis too. Hwy 364 makes your commute to St. Charles, Chesterfield, and St. Louis simple. Lake Saint Louis is known for its small-town charm, scenic lake views, walking trails, seasonal community events, and resort-style lifestyle, all with the conveniences of the suburbs close by. If you've been searching for low-maintenance, single-story living in a newer construction home in western St. Charles County, this Lake Saint Louis ranch checks every box. Schedule your private showing today and see why the Villages at Shady Creek is one of the area's most desirable neighborhoods. **Example based on a $625, 000 purchase price, 20% down payment ($125, 000), $500, 000 loan amount, 30-year fixed-rate conventional loan, note rate 7.500%, APR 7.59%. With the seller-paid 2-1 temporary buydown, the buyer’s rate is 5.5% in year 1 (principal and interest payment $2, 838/mo), 6.5% in year 2 ($3, 160/mo), and 7.5% in years 3 through 30 ($3, 496/mo), for 360 total monthly payments. Payments shown are principal and interest only and do not include taxes, insurance, or HOA dues; actual payments will be higher. Rates as of 11/6/26 are for illustration only, are not a commitment to lend, and are subject to credit approval and change without notice. Buydown is a seller concession of approximately $11, 914, subject to the purchase contract and lender guidelines. Please see the flyer in the supplements for additional details. Buyer is not obligated to use the lender featured for this offer.