1 Rydal Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1 Rydal Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,660 sqft · built 2021
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$287,360 (Apr 2021)
Tax Bill	$3,485 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T210800015`

Property Details

APN / Parcel Number

Primary APN	`T210800015`
Alternative APN	`3-0162-C913-00-0034.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,660 sqft Living Area
Basement Area	696 sqft

Exterior

Year Built	Built 2021
Exterior Material	Brick/Stone
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T210800015
Street Address	1 RYDAL PL
City	SAINT CHARLES
State	MO
Zip	63303-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTCLAIR CROSSING #2 LOT 34
Legal Subdivision	MONTCLAIR CROSSING #2
Legal Lot Number	34
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3014
Census Tract	311004

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 15, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 1, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	0202128410
Deed Book / Page	2021 / 28410
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246

Mortgage

Document Number	0000001459
Date	Jan 11, 2024
Instrument	2024R-001459

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Apr 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246

Mortgage

Document Number	0000033471
Date	Jun 15, 2022
Instrument	2022R-033471

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2021
Property Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246
Document Number	0000028410
Map Reference	MB 51 PG 104
Instrument Date	Mar 31, 2021
Instrument	2021R-028410
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 TRADE CENTER BLVD, 695, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RYDAL PL, SAINT CHARLES, MO 63303-4246

Mortgage

Document Number	0000028411
Date	Apr 1, 2021
Instrument	2021R-028411

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,485.00	$60,468 (+5.23%)	$318,250 (+5.23%) Land $45,000 Building $273,250
2023		$57,465
2022			$302,446 Land $45,000 Building $257,446

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	1 in force
Nearby Flood Claims	49 (1979–1995)
Claims Outside the SFHA	4 of 49
Most Recent Claim	Jun 1995 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 2 claims Severe Storms & Flooding, Sep 1993 · 18 claims

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 99.8% of the US · lower than 99.6% 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 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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: Wisper ISP.

Nearby Properties on Rydal Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures