10 Valley Rd, Saint Charles, MO 63303 Property Records

St. Charles County property record for 10 Valley Rd, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1958
Lot Size	0.293 acres (12,740 sqft)
Owner	Company Name on Record
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`428520A000`

Property Details

APN / Parcel Number

Primary APN	`428520A000`
Alternative APN	`3-002C-4426-00-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,740 sqft (0.293 acres)
Lot Dimensions	182 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	428520A000
Street Address	10 VALLEY RD
City	SAINT CHARLES
State	MO
Zip	63303-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SPRINGDALE PL LOT 10
Legal Subdivision	SPRINGDALE PL
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1003
Census Tract	311004

Owner

Source: St. Charles County records, as of October 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	42 RED CEDAR CT, SAINT CHARLES, MO 63303-6700
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Aug 25, 2026	Warranty Deed, Transfer FOUNDERS TITLE COMPANY, FOUNDERS TITLE
Sep 9, 2022	Warranty Deed, Transfer FREEDOM TITLE
Aug 9, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage STONE ACRES INVESTMENTS LLC
Nov 9, 2020	Deed of Trust, Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2026
Deed Sale	Aug 25, 2026
Prior Sale	Sep 9, 2022 · Amount on Record
Deed Document Number	202640594
Prior Transfer Date	Jan 7, 2014
Prior Transfer Doc	0000019380
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 23, 2026
Property Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0000045372
Instrument Date	Sep 10, 2026
Instrument	202645372
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	133 KEENE CT, SAINT CHARLES, MO 63303-5701

Mortgage

Document Number	0000045372,
Date	Sep 23, 2026
Instrument	202645372

Lender

Name	NEXERA HOLDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2026
Property Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0000040594
Instrument Date	Aug 24, 2026
Instrument	202640594
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	42 RED CEDAR CT, SAINT CHARLES, MO 63303-6700

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 9, 2022
Property Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0000049841
Map Reference	MB 5 PG 38
Instrument Date	Aug 31, 2022
Instrument	2022R-049841
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 9, 2022
Property Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0000044134
Map Reference	MB 5 PG 38
Instrument Date	Jul 29, 2022
Instrument	2022R-044134
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WEST PORT PLZ STE 600, 600, SAINT LOUIS, MO 63146-3015

Mortgage

Document Number	0000044135
Date	Aug 9, 2022
Instrument	2022R-044135

Lender

Name	STONE ACRES INVESTMENTS LLC
Type	Non-Lending Institution
Address	SAINT LOUIS, MO 63124

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0000088694
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	TRI TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 VALLEY RD ST CHARLES MO 633034046, ST CHARLES, MO 63303-4046

Mortgage

Document Number	0000088694
Date	Nov 16, 2020
Instrument	88694

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Nov 15, 2045

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$35,304 (-)	$185,813 (-) Land $40,000 Building $145,813
2025	$2,124.00 (+4.12%)	$35,304 (+7.34%)	$185,813 (+7.34%) Land $40,000 Building $145,813
2024	$2,040.00
2023		$32,890
2022			$173,104 Building $173,104

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	4 (1979–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 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 435 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 · Fiber, DSL in parts of the area	100 / 20

May also be available: Brightspeed, Wisper ISP.

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