St. Charles County property record for 1085 Guildford Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,913 sqft · built 1985 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,294 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002245 |
| Primary APN | A860002245 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,913 sqft Living Area |
| Gross Area | 2,929 sqft |
| 1st Floor Area | 1,341 sqft |
| Basement Area | 1,170 sqft |
| Finished Basement | 572 sqft |
| Unfinished Basement | 598 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860002245 |
|---|---|
| Street Address | 1085 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 66 |
| Legal Subdivision | TOWER PK #2 |
| Legal Lot Number | 66 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311150 |
1085 Guildford Dr is owned and occupied by two individuals.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1085 GUILDFORD DR, SAINT CHARLES, MO 63304-6959 |
| 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 |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 28, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Oct 6, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1085 GUILDFORD DR, SAINT CHARLES, MO 63304-6959 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1085 GUILDFORD DR, SAINT CHARLES, MO 63304-6959 |
| Document Number | 2021R080431 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021R-080431 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1085 GUILDFORD DR, SAINT CHARLES, MO 63304-6959 |
| Document Number | 0000083983 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1085 GUILDFORD DR ST CHARLES MO 633046959, ST CHARLES, MO 63304-6959 |
| Document Number | 0000083983 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 83983 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1085 GUILDFORD DR, SAINT CHARLES, MO 63304-6959 |
| Document Number | 0069892230 |
| Instrument Date | Oct 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1085 GUILDFORD DR ST CHARLES MO 633046959, ST CHARLES, MO 63304-6959 |
| Document Number | 0069892230 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 006989/002230 |
| Instrument | 586350 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Oct 14, 2033 |
The 2025 property tax bill for 1085 Guildford Dr was $3,294.
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 | $55,438 (-) | $291,781 (-) Land $60,000 Building $231,781 | |
| 2025 | $3,294.00 | $55,438 | $291,781 Land $60,000 Building $231,781 |
| 2023 | $49,710 | ||
| 2022 | $261,634 Land $55,000 Building $206,634 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1085 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.
The area around 1085 Guildford Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures