10 Gerald Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 10 Gerald Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1965
Lot Size	0.619 acres (27,000 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (May 2020)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`536670A000`

Property Details

APN / Parcel Number

Primary APN	`536670A000`
Alternative APN	`3-0036-4277-00-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	910 sqft

Exterior

Year Built	Built 1965
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	27,000 sqft
Lot Dimensions	180 ft deep x 150 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	536670A000
Old Parcel Number	536670A000
Street Address	10 GERALD DR
City	SAINT CHARLES
State	MO
Zip	63304-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	GLENBROOK LOT 10
Legal Range	04E
Legal Township	46N
Legal Subdivision	GLENBROOK
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2017	Deed of Trust, Mortgage ST CHARLES COUNTY
May 14, 2020	Warranty Deed, Transfer USAA
Dec 3, 2019	Warranty Deed, Transfer · Line of Credit BDS 44 LLC
Nov 1, 2019	Warranty Deed, Transfer · Line of Credit FIRST ST BK/ST CHARLES
Sep 17, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Oct 12, 2017	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2020 · Amount on File
Deed Sale	May 14, 2020 · Amount on File
Prior Sale	Dec 3, 2019
Deed Document Number	0072941134
Deed Book / Page	7294 / 1134
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068351892
Date	Nov 7, 2017
Book Page	6835/1892
Instrument	20171107000698660

Lender

Name	ST CHARLES COUNTY
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2020
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Document Number	0072941134
Book / Page	007294 / 001134
Instrument Date	May 13, 2020
Instrument	309350
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MARCUS DR ST PETERS MO 633767484, ST PETERS, MO 63376-7484

Mortgage

Document Number	72941136
Date	May 14, 2020
Book Page	007294/001136
Instrument	309360

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2019
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Document Number	0071911482
Book / Page	007191 / 001482
Instrument Date	Dec 2, 2019
Instrument	690010
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14 E MAIN ST WENTZVILLE MO 633851735, WENTZVILLE, MO 63385-1735

Mortgage

Document Number	71911484
Date	Dec 3, 2019
Book Page	007191/001484
Instrument	690020

Lender

Name	BDS 44 LLC
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2019
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Document Number	0071741229
Book / Page	007174 / 001229
Instrument Date	Oct 31, 2019
Instrument	622020
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 GERALD DR ST CHARLES MO 633046936, ST CHARLES, MO 63304-6936
Investor	Possibly a Property Investor

Mortgage

Document Number	71741231
Date	Nov 1, 2019
Book Page	007174/001231
Instrument	622030

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301-1852

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 31, 2020

Interest

Rate Type	Adjustable Rate

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 17, 2019
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Document Number	0071432088
Book / Page	007143 / 002088
Instrument Date	Sep 12, 2019
Instrument	508010
Transaction Type	Foreclosure
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	825 MAVILLE CENTRE DR #300 TOWN AND COUNTRY MO 63017, 300, TOWN AND COUNTRY, MO 63017

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 GERALD DR, SAINT CHARLES, MO 63304-6936
Document Number	0068410157
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TOWERS LN ST CHARLES MO 633046916, ST CHARLES, MO 63304-6916

Mortgage

Document Number	0068410157
Date	Nov 20, 2017
Book Page	006841/000157
Instrument	721040

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SAINT CHARLES, MO

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,837.00	$47,684 (+12.09%)	$250,968 (+12.09%)
2023		$42,540
2022			$223,897 Building $223,897

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 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

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.

Drinking Water

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

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, 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 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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