1 Wray Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1 Wray Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1978
Lot Size	1.93 acres (84,506 sqft)
Owner	Individual Name on File
Tax Bill	$3,263 (2025)
Deeds & Mortgages	Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`521945B000`

Property Details

APN / Parcel Number

Primary APN	`521945B000`
Alternative APN	`3-0115-0285-00-0014.2200000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	3,692 sqft
1st Floor Area	1,636 sqft
Basement Area	1,636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,506 sqft
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Deck Area	Deck Area
Patio Area	490 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	521945B000
Street Address	1 WRAY DR
City	SAINT CHARLES
State	MO
Zip	63304-8585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SUR 285
Legal Subdivision	US SURV 285
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1000
Census Tract	311221

Owner

Source: St. Charles County records · APN 521945B000

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	1 WRAY DR, SAINT CHARLES, MO 63304-8585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 10, 2023
Deed Sale	Aug 10, 2023
Prior Sale	Oct 30, 2001 · Amount on Record
Deed Document Number	202332188
Prior Transfer Date	Mar 30, 2018
Prior Transfer Doc	0069532373
Record Updated	Sep 20, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 26, 2018
Property Address	1 WRAY DR, SAINT CHARLES, MO 63304-8585
Document Number	0069532373
Book / Page	006953 / 002373
Instrument Date	Mar 30, 2018
Instrument	423860
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 WRAY DR ST ST CHARLES MO 63304, ST CHARLES, MO 63304

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,914 (-)	$289,018 (-) Land $61,110 Building $227,908
2025	$3,263.00 (+6.84%)	$54,914 (+7.58%)	$289,018 (+7.58%) Land $61,110 Building $227,908
2024	$3,054.00
2023		$51,045
2022			$268,657 Land $52,380 Building $216,277

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112211, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	28 (1978–2025)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 7 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 256 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.