11 Sturbridge Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 11 Sturbridge Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,953 sqft · built 2016
Lot Size	0.284 acres (12,384 sqft)
Owner	2 Individual Names on File
Last Sale	$765,000 (Jun 2026)
Tax Bill	$8,366 (2025)
Deeds & Mortgages	Jun 2026 Sale Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T160800077`

Property Details

APN / Parcel Number

Primary APN	`T160800077`
Alternative APN	`3-0022-C256-00-0047.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,953 sqft Living Area
Gross Area	6,303 sqft
1st Floor Area	2,833 sqft
Basement Area	2,808 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,384 sqft (0.284 acres)
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160800077
Street Address	11 STURBRIDGE CT
City	SAINT CHARLES
State	MO
Zip	63303-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTS OF TALBRIDGE #2 LOT 47
Legal Subdivision	ESTS AT TALBRIDGE #2
Legal Lot Number	47
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1029
Census Tract	311003

Owner

11 Sturbridge Ct is owned and occupied by two individuals who bought it in June 2026.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 4, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2021	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Oct 4, 2018	Grant Deed, Transfer STIFEL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2026 · Amount on File
Deed Sale	Jun 4, 2026 · Amount on File
Prior Sale	Nov 3, 2021 · Amount on File
Deed Document Number	202626145
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 4, 2026
Property Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636
Document Number	0000026145
Instrument Date	Jun 3, 2026
Instrument	202626145
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 3, 2021
Property Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636
Document Number	2021R090879
Map Reference	MB 48 PG 177
Instrument Date	Oct 25, 2021
Instrument	2021R-090879
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1650 FILLMORE ST APT 1006, 1650, DENVER, CO 80206-1590

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 4, 2018
Property Address	11 STURBRIDGE CT, SAINT CHARLES, MO 63303-1636
Document Number	0069861559
Book / Page	006986 / 001559
Instrument Date	Oct 2, 2018
Instrument	570450
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 STURBRIDGE CT ST CHARLES MO 633031636, ST CHARLES, MO 63303-1636

Mortgage

Document Number	69861561
Date	Oct 4, 2018
Book Page	006986/001561
Instrument	570460

Lender

Name	STIFEL BANK
Address	8000 MARYLAND AVE # 100, CLAYTON, MO 63105-3752

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 11 Sturbridge Ct was $8,366.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,933 (-)	$768,067 (-) Land $141,428 Building $626,639
2025	$8,366.00	$145,933	$768,067 Land $141,428 Building $626,639
2023		$123,206
2022			$648,454 Land $90,000 Building $558,454

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 11 Sturbridge Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2003.

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 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	9 (2003–2022)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 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 11 Sturbridge 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 99.8% of the US · lower than 99.6% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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