St. Charles County property record for 10 River Trl, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,991 sqft · built 1976 |
| Lot Size | 1.44 acres (63,036 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,230 (2024) |
| Deeds & Mortgages | Apr 2024 Sale Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432218A000 |
| Primary APN | 432218A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,991 sqft Living Area |
| Gross Area | 4,333 sqft |
| 1st Floor Area | 1,797 sqft |
| Basement Area | 858 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 63,036 sqft |
| Lot Dimensions | 412 ft deep x 153 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 258 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 432218A000 |
|---|---|
| Street Address | 10 RIVER TRL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD9 |
| Legal Description | TRAILS OF RIVERWOOD #7 LOT 64 |
| Legal Subdivision | TRAILS OF RIVERWOOD #7 |
| Legal Lot Number | 64 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 311145 |
10 River Trl is owned and occupied by two individuals who acquired it in June 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| 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 |
|---|---|
| Apr 1, 2024 | Beneficiary Deed, Transfer |
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2019 |
| Deed Sale | Jun 19, 2019 |
| Deed Document Number | 2019302920 |
| Deed Book / Page | 7091 / 2321 |
| Prior Transfer Date | Jun 4, 2019 |
| Prior Transfer Doc | 0000302920 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 1, 2024 |
| Property Address | 10 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| Document Number | 0000012057 |
| Map Reference | MB 19 PG 107 |
| Instrument Date | Mar 28, 2024 |
| Instrument | 2024R-012057 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 9904 SLEVIN LN, SAINT LOUIS, MO 63123-6109 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| Document Number | 0000026527 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021R-026527 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $87,504 (-) | $460,549 (-) Land $100,000 Building $360,549 | |
| 2025 | $87,504 | $460,549 Land $100,000 Building $360,549 | |
| 2024 | $5,230.00 | ||
| 2023 | $84,700 (+32.4%) | ||
| 2022 | $4,262.00 | $63,974 | $445,791 (+32.4%) Land $100,000 Building $345,791 |
| 2021 | $336,708 Land $100,000 Building $236,708 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 River Trl in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| 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 River Trl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 112 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 Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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