St. Charles County property record for 10 Denbrook Ter, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,644 sqft · built 2022 |
| Lot Size | 0.213 acres (9,291 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $586,548 (Dec 2022) |
| Tax Bill | $7,555 (2025) |
| Deeds & Mortgages | Jul 2022 Construction Loan Dec 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T220700070 |
| Primary APN | T220700070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,644 sqft Living Area |
| Gross Area | 4,568 sqft |
| Basement Area | 1,924 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 9,291 sqft (0.213 acres) |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T220700070 |
|---|---|
| Street Address | 10 DENBROOK TER |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANORS AT ELMHAVEN LOT 24 |
| Legal Subdivision | MANORS AT ELMHAVEN |
| Legal Lot Number | 24 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 310301 |
10 Denbrook Ter is owned and occupied by two individuals who bought it in December 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 DENBROOK TER, SAINT CHARLES, MO 63301-4932 |
| 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 |
|---|---|
| Jul 21, 2022 | Deed of Trust, Mortgage · Construction Mortgage LINDELL BANK & TRUST CO |
| Dec 7, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2022 · Amount on File |
| Deed Sale | Dec 7, 2022 · Amount on File |
| Deed Document Number | 202264485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 DENBROOK TER, SAINT CHARLES, MO 63301-4932 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD 200, 200, CHESTERFIELD, MO 63005-1276 |
| Investor | Possibly a Property Investor |
| Document Number | 0000040542 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022R-040542 |
| Name | LINDELL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63139 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 7, 2022 |
| Property Address | 10 DENBROOK TER, SAINT CHARLES, MO 63301-4932 |
| Document Number | 0000064485 |
| Map Reference | DOC 2021R-069564 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 2022R-064485 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 10 DENBROOK TER, SAINT CHARLES, MO 63301-4932 |
| Document Number | 0000064486 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022R-064486 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 10 Denbrook Ter was $7,555.
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 | $121,184 (-) | $637,812 (-) Land $80,000 Building $557,812 | |
| 2025 | $7,555.00 | $121,184 | $637,812 Land $80,000 Building $557,812 |
| 2023 | $111,444 | ||
| 2022 | $586,548 Land $80,000 Building $506,548 |
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.
FEMA maps place 10 Denbrook Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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.
Wildfire risk around 10 Denbrook Ter is low, with 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 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 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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