St. Charles County property record for 1107 Esterling Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,528 sqft · built 1964 |
| Lot Size | 0.226 acres (9,828 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,300 (Sep 2020) |
| Tax Bill | $2,444 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041190A000 |
| Primary APN | 041190A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Gross Area | 1,878 sqft |
| 1st Floor Area | 953 sqft |
| Basement Area | 575 sqft |
| Finished Basement | 575 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,828 sqft (0.226 acres) |
| Lot Dimensions | 156 ft deep x 63 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 196 sqft |
| Patio Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 041190A000 |
|---|---|
| Street Address | 1107 ESTERLING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CHARLESTON MANOR #4 LOT 69 |
| Legal Subdivision | CHARLESTON MANOR #4 |
| Legal Lot Number | 69 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 310501 |
Source: St. Charles County records · APN 041190A000
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| May 12, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Sep 24, 2020 | Quit Claim Deed, Transfer FLAT BR MTG |
| Jun 05, 2018 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2020 · Amount on Record |
| Deed Sale | Sep 24, 2020 · Amount on Record |
| Prior Sale | Sep 24, 2020 · Amount on Record |
| Deed Document Number | 202071187 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 0000071187 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Document Number | 0000011787 |
|---|---|
| Date | Mar 13, 2026 |
| Instrument | 2026R-011787 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Document Number | 0000018067 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 2023R-018067 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 01, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 24, 2020 |
| Property Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Document Number | 0000071187 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 71187 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1107 ESTERLING DR ST CHARLES MO 633012334, ST CHARLES, MO 63301-2334 |
| Document Number | 71188 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 71188 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Sep 23, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 05, 2018 |
| Property Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Document Number | 0069291271 |
| Book / Page | 6929 / 1271 |
| Map Reference | MB 9 PG 29 |
| Instrument Date | May 30, 2018 |
| Instrument | 20180605000312020 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3016 SHENANDOAH AVE, 3016, SAINT LOUIS, MO 63104-1742 |
| Name | Verified Name |
|---|---|
| Address | 1107 ESTERLING DR, SAINT CHARLES, MO 63301-2334 |
| Document Number | 20180605000312030 |
|---|---|
| Date | Jun 05, 2018 |
| Instrument | 20180605000312030 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2048 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,444.00 (+6.77%) | $38,864 (+9.47%) | $204,545 (+9.46%) Land $45,000 Building $159,545 |
| 2024 | $2,289.00 | ||
| 2023 | $35,503 | ||
| 2022 | $186,859 Land $35,000 Building $151,859 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833105014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 127 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010707, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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