11 Oak Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 11 Oak Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1973
Lot Size	0.324 acres (14,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Mar 2008)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`398160A000`

Property Details

APN / Parcel Number

Primary APN	`398160A000`
Alternative APN	`2-055D-4157-00-0039.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	3,068 sqft
1st Floor Area	1,274 sqft
Basement Area	1,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,100 sqft (0.324 acres)
Lot Dimensions	141 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	188 sqft
Patio Area	1,280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	398160A000
Street Address	11 OAK DR
City	SAINT PETERS
State	MO
Zip	63376-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WEST SIDE ADDN TO ST MARYS LOT 39
Legal Subdivision	WEST SIDE ADDN-ST MARYS SUB
Legal Lot Number	39
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3013
Census Tract	312400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11 OAK DR, SAINT PETERS, MO 63376-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 20, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Feb 7, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2008 · Amount on Record
Deed Sale	Mar 4, 2008 · Amount on Record
Prior Sale	Jan 17, 1997 · Amount on Record
Deed Document Number	2008154360
Deed Book / Page	4940 / 2339
Prior Transfer Date	Feb 8, 2008
Prior Transfer Doc	0049402339
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	11 OAK DR, SAINT PETERS, MO 63376-1422
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 OAK DR, SAINT PETERS, MO 63376-1422

Mortgage

Document Number	0000002162
Date	Jan 18, 2023
Instrument	2023R-002162

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	11 OAK DR, SAINT PETERS, MO 63376-1422
Document Number	0000095836
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 OAK DR ST PETERS MO 633761422, ST PETERS, MO 63376-1422

Mortgage

Document Number	0000095836
Date	Dec 8, 2020
Instrument	95836

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	11 OAK DR, SAINT PETERS, MO 63376-1422
Document Number	0070362035
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 OAK DR ST PETERS MO 633761422, ST PETERS, MO 63376-1422

Mortgage

Document Number	0070362035
Date	Feb 19, 2019
Book Page	007036/002035
Instrument	71990

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,408 (-)	$191,622 (-) Land $45,000 Building $146,622
2025	$2,252.00 (+5.58%)	$36,408 (+8.71%)	$191,622 (+8.71%) Land $45,000 Building $146,622
2024	$2,133.00
2023		$33,492
2022			$176,274 Land $40,500 Building $135,774

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	63 (1979–2022)
Claims Outside the SFHA	5 of 63
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 13 claims Severe Storms & Flooding, Sep 1993 · 5 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

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, Wisper ISP.

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