1 Elks Trl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1 Elks Trl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,350 sqft · built 1979
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$564,100 (Feb 2023)
Tax Bill	$5,774 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`151050D000`

Property Details

APN / Parcel Number

Primary APN	`151050D000`
Alternative APN	`6-010C-5135-00-0006.1000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,350 sqft Living Area
Gross Area	4,783 sqft
1st Floor Area	2,150 sqft
Basement Area	2,150 sqft
Finished Basement	1,200 sqft
Unfinished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	151050D000
Street Address	1 ELKS TRL
City	SAINT CHARLES
State	MO
Zip	63303-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WOODS PT LOTS 6 & 5
Legal Subdivision	WOODS #1
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3004
Census Tract	310902

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 ELK TRL, SAINT CHARLES, MO 63301
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Dec 1, 2020	Warranty Deed, Transfer · Line of Credit ENTERPRISE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	20237227
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1 ELKS TRL, SAINT CHARLES, MO 63303-3313
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 EDGEWORTH LN, SAINT CHARLES, MO 63301-1095
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007228
Date	Feb 28, 2023
Instrument	2023R-007228

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2020
Property Address	1 ELKS TRL, SAINT CHARLES, MO 63303-3313
Document Number	0000093543
Instrument Date	Nov 16, 2020
Instrument	93543
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	USTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	231 S BEMISTON AVE #800 CLAYTON MO 631051925, 800, CLAYTON, MO 63105-1925

Mortgage

Document Number	93544
Date	Dec 1, 2020
Instrument	93544

Lender

Name	ENTERPRISE BK
Type	Bank
Address	CLAYTON, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,499 (-)	$486,837 (-) Land $110,000 Building $376,837
2025	$5,774.00 (+10.66%)	$92,499 (+13.36%)	$486,837 (+13.36%) Land $110,000 Building $376,837
2024	$5,218.00
2023		$81,599
2022			$429,469 Land $99,000 Building $330,469

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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