10 Paula Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 10 Paula Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,110 sqft · built 1954
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,500 (Aug 2021)
Tax Bill	$2,541 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`097220A000`

Property Details

APN / Parcel Number

Primary APN	`097220A000`
Alternative APN	`6-010B-3280-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
Gross Area	1,460 sqft
1st Floor Area	1,110 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	165 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097220A000
Street Address	10 PAULA DR
City	SAINT CHARLES
State	MO
Zip	63301-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT ST CHARLES COMMONS BLK 6 LOT 10 STEEN & CUNNINGHAM
Legal Subdivision	STEEN & CUNNINGHAMS
Legal Block	6
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2015
Census Tract	310700

Owner

Source: St. Charles County records, as of August 13, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 6, 2020	Warranty Deed, Transfer · Conventional Mortgage PROVIDENCE BANK
Apr 27, 2020	Warranty Deed, Transfer · Line of Credit BDS 44 LLC
Apr 1, 2020	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN BANK OF MISSOURI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	202171716
Prior Transfer Date	Nov 11, 2015
Prior Transfer Doc	0064520354
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 26, 2021
Property Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118
Document Number	2021R071716
Instrument Date	Aug 25, 2021
Instrument	2021R-071716
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5009 BEDFORD DR, 5009, ALTON, IL 62002-6947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118

Mortgage

Document Number	2021R071717
Date	Aug 26, 2021
Instrument	2021R-071717

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 6, 2020
Property Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118
Document Number	0073370366
Book / Page	7337 / 366
Instrument Date	Jun 30, 2020
Instrument	20200706000462290
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 PAULA DR, 10, SAINT CHARLES, MO 63301-3118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118

Mortgage

Document Number	20200706000462300
Date	Jul 6, 2020
Instrument	20200706000462300

Lender

Name	PROVIDENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 27, 2020
Property Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118
Document Number	0072790683
Book / Page	007279 / 000683
Instrument Date	Apr 13, 2020
Instrument	260980
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2149 GRAY AVE RICHMOND HEIGHTS MO 631172416, RICHMOND HEIGHTS, MO 63117-2416

Mortgage

Document Number	72790685
Date	Apr 27, 2020
Book Page	007279/000685
Instrument	260990

Lender

Name	BDS 44 LLC
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2020
Property Address	10 PAULA DR, SAINT CHARLES, MO 63301-3118
Document Number	0072601589
Book / Page	7260 / 1589
Instrument Date	Mar 31, 2020
Instrument	20200401000200530
Transaction Type	Construction Loan
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20022 PINE WIND DR, 20022, HUMBLE, TX 77346-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2156 YALE AVE, SAINT LOUIS, MO 63143-1412
Investor	Possibly a Property Investor

Mortgage

Document Number	20200401000200540
Date	Apr 1, 2020
Instrument	20200401000200540

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,541.00 (+7.53%)	$40,417 (+10.23%)	$212,721 (+10.23%) Land $55,000 Building $157,721
2024	$2,363.00
2023		$36,667
2022			$192,986 Land $40,000 Building $152,986

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
Nearby Flood Claims	16 (1978–2015)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 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	Not rated no burnable land within 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 550 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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