St. Charles County property record for 109 Riggs Pl, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,410 sqft · built 2021 |
| Lot Size | 0.077 acres (3,358 sqft) |
| Owner | Individual Name on File |
| Last Sale | $383,247 (Oct 2021) |
| Tax Bill | $5,248 (2025) |
| Deeds & Mortgages | Aug 2023 Sale Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T180500081 |
| Primary APN | T180500081 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,410 sqft Living Area |
| Gross Area | 2,820 sqft |
| 1st Floor Area | 1,410 sqft |
| Basement Area | 1,410 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Lot Area | 3,358 sqft (0.077 acres) |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180500081 |
|---|---|
| Street Address | 109 RIGGS PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8490 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS PH 10B #1 LOT 8660 |
| Legal Subdivision | NEW TOWN AT ST CHAS PH 10B #1 |
| Legal Lot Number | 8660 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310201 |
109 Riggs Pl is owned and occupied by an individual who acquired it in August 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 RIGGS PL, SAINT CHARLES, MO 63301-8490 |
| 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 |
|---|---|
| Aug 4, 2023 | Beneficiary Deed, Transfer |
| Oct 29, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Apr 26, 2019 | Grant Deed, Mortgage · Line of Credit AMERICAN BK/MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on File |
| Deed Sale | Oct 29, 2021 · Amount on File |
| Deed Document Number | 202189755 |
| Last Transfer Date | Aug 2, 2023 |
| Transfer Doc | 0000031333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 4, 2023 |
| Property Address | 109 RIGGS PL, SAINT CHARLES, MO 63301-8490 |
| Document Number | 0000031333 |
| Map Reference | MB 49 PG 214 |
| Instrument Date | Aug 2, 2023 |
| Instrument | 2023R-031333 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 29, 2021 |
| Property Address | 109 RIGGS PL, SAINT CHARLES, MO 63301-8490 |
| Document Number | 0000089755 |
| Map Reference | MB 49 PG 214 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2021R-089755 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3333 RUE ROYALE ST STE 4, 4, SAINT CHARLES, MO 63301-8237 |
| Name | Verified Name |
|---|---|
| Address | 109 RIGGS PL, SAINT CHARLES, MO 63301-8490 |
| Document Number | 0000089756 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021R-089756 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2031 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 26, 2019 |
| Property Address | 109 RIGGS PL, SAINT CHARLES, MO 63301-8490 |
| Document Number | 0070641749 |
| Book / Page | 007064 / 001749 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 192240 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 N 3RD ST ST CHARLES MO 633010960, ST CHARLES, MO 63301-0960 |
| Document Number | 70641749 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 007064/001749 |
| Instrument | 192240 |
| Name | AMERICAN BK/MO |
|---|---|
| Type | Bank |
| Address | 690 N SERVICE RD W, WRIGHT CITY, MO 63390 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 109 Riggs Pl was $5,248.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $69,665 (-) | $366,656 (-) Land $73,334 Building $293,322 | |
| 2025 | $5,248.00 | $69,665 | $366,656 Land $73,334 Building $293,322 |
| 2023 | $74,091 (+1.75%) | ||
| 2022 | $5,764.00 | $72,817 | $389,953 (+1.75%) Land $55,000 Building $334,953 |
| 2021 | $383,247 Land $55,000 Building $328,247 |
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.
FEMA maps place 109 Riggs Pl in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 risk around 109 Riggs Pl 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 97% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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