St. Charles County property record for 1 Gerald Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1975 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,910 (2022) |
| Deeds & Mortgages | Oct 2026 Transfer Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 536100A001 |
| Primary APN | 536100A001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 3,080 sqft |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 536100A001 |
|---|---|
| Street Address | 1 GERALD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PT SE 1/4 SE 1/4 |
| Legal Range | 4 |
| Legal Township | 46 |
| Legal Section | 02 |
| Legal Lot Number | 16 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311150 |
1 Gerald Dr is owned and occupied by an individual who acquired it in October 2026.
Source: St. Charles County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1 GERALD DR, SAINT CHARLES, MO 63304-6932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2013 |
| Deed Sale | Oct 2, 2013 |
| Prior Sale | Mar 28, 2000 · Amount on File |
| Deed Document Number | 2013769950 |
| Deed Book / Page | 6101 / 284 |
| Last Transfer Date | Oct 7, 2026 |
| Transfer Doc | 0000048155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 9, 2026 |
| Property Address | 1 GERALD DR, SAINT CHARLES, MO 63304-6932 |
| Document Number | 0000048155 |
| Instrument Date | Oct 7, 2026 |
| Instrument | 202648155 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3104 MOCKINGBIRD DR, SAINT CHARLES, MO 63301-1222 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1 GERALD DR, SAINT CHARLES, MO 63304-6932 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1 GERALD DR, SAINT CHARLES, MO 63304-6932 |
| Document Number | 0000035547 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021R-035547 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,014 | $273,757 Building $273,757 | |
| 2023 | $47,284 (+60.15%) | ||
| 2022 | $1,910.00 | $29,525 | $248,864 (+60.15%) Building $248,864 |
| 2021 | $155,397 Land $36,000 Building $119,397 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Gerald Dr in Zone X, an area of minimal flood risk.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 1 Gerald Dr is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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