107 Iron Gate Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 107 Iron Gate Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,546 sqft · built 1984
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$328,000 (Feb 2022)
Tax Bill	$4,473 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`554190B271`

Property Details

APN / Parcel Number

Primary APN	`554190B271`
Alternative APN	`3-0112-5588-00-0990.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,546 sqft Living Area
Gross Area	4,362 sqft
1st Floor Area	1,376 sqft
Basement Area	1,332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	554190B271
Street Address	107 IRON GATE CT
City	SAINT CHARLES
State	MO
Zip	63304-7278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	TIMBERWOOD TRAIL #5 LOT 990
Legal Subdivision	TIMBERWOOD TRAILS #5
Legal Lot Number	990
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

107 Iron Gate Ct is owned and occupied by two individuals who bought it in February 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278
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

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Dec 1, 2019	Loan Modification, Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	May 5, 2000 · Amount on File
Deed Document Number	202211306
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278

Mortgage

Document Number	0000000349
Date	Jan 3, 2022
Instrument	2022R-000349

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2022
Property Address	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278
Document Number	0000011306
Map Reference	MB 22 PG 127
Instrument Date	Feb 17, 2022
Instrument	2022R-011306
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	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278

Mortgage

Document Number	0000011307
Date	Feb 25, 2022
Instrument	2022R-011307

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	107 IRON GATE CT, SAINT CHARLES, MO 63304-7278
Document Number	0071991059
Instrument Date	Dec 1, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 IRON GATE CT ST CHARLES MO 633047278, ST CHARLES, MO 63304-7278

Mortgage

Document Number	0071991059
Date	Dec 16, 2019
Book Page	007199/001059
Instrument	720940

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 107 Iron Gate Ct was $4,473.

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		$75,456 (-)	$397,137 (-) Land $70,000 Building $327,137
2025	$4,473.00	$75,456	$397,137 Land $70,000 Building $327,137
2023		$69,609
2022			$366,363 Land $70,000 Building $296,363

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 107 Iron Gate Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 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

Wildfire risk around 107 Iron Gate Ct 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 99.1% of the US · lower than 98.2% 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
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, Wisper ISP.

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