1045 Guildford Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1045 Guildford Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,782 sqft · built 1986
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jul 2025)
Tax Bill	$3,885 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860002251`

Property Details

APN / Parcel Number

Primary APN	`A860002251`
Alternative APN	`3-0036-5929-00-0072.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,782 sqft Living Area
Gross Area	3,326 sqft
1st Floor Area	1,378 sqft
Basement Area	982 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	Deck Area
Patio Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002251
Street Address	1045 GUILDFORD DR
City	SAINT CHARLES
State	MO
Zip	63304-6959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWER PK #2 LOT 72
Legal Subdivision	TOWER PK #2
Legal Lot Number	72
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

1045 Guildford Dr is owned and occupied by two individuals who bought it in July 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1045 GUILDFORD DR, SAINT CHARLES, MO 63304-6959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Jan 25, 2022	Intrafamily Transfer, Transfer
Jun 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2025 · Amount on File
Deed Sale	Jul 23, 2025 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	202531340
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 25, 2022
Property Address	1045 GUILDFORD DR, SAINT CHARLES, MO 63304-6959
Document Number	0000005088
Map Reference	MB 24 PG 182
Instrument Date	Jan 18, 2022
Instrument	2022R-005088
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1045 GUILFORD DRIVE, SAINT CHARLES, MO 63304-6959

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 3, 2020
Property Address	1045 GUILDFORD DR, SAINT CHARLES, MO 63304-6959
Document Number	0073100725
Book / Page	7310 / 725
Map Reference	MB 24 PG 182
Instrument Date	May 20, 2020
Instrument	20200603000365570
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30330 GREENFIELD LN, 30330, WARRENTON, MO 63383-4590

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 GUILDFORD DR, SAINT CHARLES, MO 63304-6959

Mortgage

Document Number	20200603000365580
Date	Jun 3, 2020
Instrument	20200603000365580

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Guildford Dr was $3,885, 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		$65,472 (-)	$344,591 (-) Land $60,000 Building $284,591
2025	$3,885.00 (+9.01%)	$65,472	$344,591 Land $60,000 Building $284,591
2024	$3,564.00
2023		$59,639
2022			$313,887 Land $55,000 Building $258,887

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 1045 Guildford 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 1045 Guildford 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 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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