St. Charles County property record for 1 James Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 1953 |
| Lot Size | 0.307 acres (13,350 sqft) |
| Owner | Company Name on Record |
| Last Sale | $181,800 (Aug 2022) |
| Tax Bill | $2,720 (2025) |
| Deeds & Mortgages | Jan 2025 Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055950A000 |
| Primary APN | 055950A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,300 sqft |
| Basement Area | 1,000 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,350 sqft (0.307 acres) |
| Lot Dimensions | 150 ft deep x 89 ft wide |
| Porch | Open Porch |
| Porch Area | 285 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 055950A000 |
|---|---|
| Street Address | 1 JAMES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FERNCLIFF LOT 1 |
| Legal Subdivision | FERNCLIFF |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 310700 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 15774 COX RD, WRIGHT CITY, MO 63390-5611 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jan 7, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RE INVESTMENT LOANS LLC |
| Aug 11, 2022 | Warranty Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Feb 23, 2022 | Warranty Deed, Transfer · Commercial Mortgage BDS 44 LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2022 · Amount on Record |
| Deed Sale | Aug 11, 2022 · Amount on Record |
| Prior Sale | Feb 23, 2022 · Amount on Record |
| Deed Document Number | 202244585 |
| Prior Transfer Date | Mar 8, 2014 |
| Prior Transfer Doc | 0000148780 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15774 COX RD, WRIGHT CITY, MO 63390-5611 |
| Document Number | 0000000584 |
|---|---|
| Date | Jan 7, 2025 |
| Instrument | 2025R-000584 |
| Name | RE INVESTMENT LOANS LLC |
|---|---|
| Address | ENGLEWOOD, CO 80111 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 11, 2022 |
| Property Address | 1 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Document Number | 0000044585 |
| Map Reference | MB 5 PG 34 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 2022R-044585 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | PARTNERS LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15774 COX RD, WRIGHT CITY, MO 63390-5611 |
| Document Number | 0000044586 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 2022R-044586 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 23, 2022 |
| Property Address | 1 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Document Number | 0000010759 |
| Map Reference | MB 5 PG 34 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022R-010759 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24521 SAVANNAH PL, WARRENTON, MO 63383-6581 |
| Name | Verified Name |
|---|---|
| Address | 15774 COX RD, WRIGHT CITY, MO 63390-5611 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010760 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022R-010760 |
| Name | BDS 44 LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $43,301 (-) | $227,899 (-) Land $55,000 Building $172,899 | |
| 2025 | $2,720.00 (+11.52%) | $43,301 (+14.35%) | $227,899 (+14.35%) Land $55,000 Building $172,899 |
| 2024 | $2,439.00 | ||
| 2023 | $37,868 | ||
| 2022 | $199,307 Land $40,000 Building $159,307 |
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.
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 | 5 (1981–2022) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 494 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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