1031 Tower Park Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1031 Tower Park Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,923 sqft · built 1997
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$247,500 (Nov 2008)
Tax Bill	$4,077 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000508`

Property Details

APN / Parcel Number

Primary APN	`A983000508`
Alternative APN	`3-0036-7777-00-0072.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,923 sqft Living Area
Gross Area	3,253 sqft
1st Floor Area	993 sqft
Basement Area	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	125 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A983000508
Street Address	1031 TOWER PARK DR
City	SAINT CHARLES
State	MO
Zip	63304-5029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CAMBRIDGE EST #2 LOT 72
Legal Subdivision	CAMBRIDGE EST #2
Legal Lot Number	72
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311150

Owner

1031 Tower Park Dr is owned and occupied by an individual who bought it in November 2008.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1031 TOWER PARK DR, SAINT CHARLES, MO 63304-5029
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2008 · Amount on File
Deed Sale	Nov 20, 2008 · Amount on File
Prior Sale	Mar 14, 2001 · Amount on File
Deed Document Number	2008774080
Deed Book / Page	5074 / 2412
Prior Transfer Date	Jul 30, 2007
Prior Transfer Doc	0048091505
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1031 TOWER PARK DR, SAINT CHARLES, MO 63304-5029
Document Number	0000098674
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 TOWER PARK DR ST CHARLES MO 633045029, ST CHARLES, MO 63304-5029

Mortgage

Document Number	0000098674
Date	Dec 15, 2020
Instrument	98674

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 14, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Tower Park Dr was $4,077, up 9% from the year before.

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		$68,730 (-)	$361,736 (-) Building $361,736
2025	$4,077.00 (+9.01%)	$68,730	$361,736 Building $361,736
2024	$3,740.00
2023		$62,607
2022			$329,508 Land $50,000 Building $279,508

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

FEMA maps place 1031 Tower Park Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1031 Tower Park Dr is low, with less than 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 99.8% of the US · lower than 99.6% 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20