111 Whetstone Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 111 Whetstone Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,191 sqft · built 1993
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$178,500 (Jun 1999)
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A946000043`

Property Details

APN / Parcel Number

Primary APN	`A946000043`
Alternative APN	`6-0011-6943-00-0243.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,191 sqft Living Area
Gross Area	4,186 sqft
1st Floor Area	1,294 sqft
Basement Area	1,116 sqft
Finished Basement	781 sqft
Unfinished Basement	335 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A946000043
Street Address	111 WHETSTONE DR
City	SAINT CHARLES
State	MO
Zip	63303-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OXFORD EST LOT 243
Legal Subdivision	OXFORD EST
Legal Lot Number	243
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1002
Census Tract	311212

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 File
Mailing Address	111 WHETSTONE DR, SAINT CHARLES, MO 63303-3027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 1999 · Amount on File
Deed Sale	Jun 10, 1999 · Amount on File
Deed Document Number	199950020
Deed Book / Page	2263 / 1477
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 20, 2021
Property Address	111 WHETSTONE DR, SAINT CHARLES, MO 63303-3027
Document Number	2021R086976
Map Reference	MB 31 PG 148-150
Instrument Date	Oct 7, 2021
Instrument	2021R-086976
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WHETSTONE DR, SAINT CHARLES, MO 63303-3027

Mortgage

Document Number	2021R086977
Date	Oct 20, 2021
Instrument	2021R-086977

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,130 (-)	$400,683 (-) Land $65,000 Building $335,683
2025	$4,758.00	$76,130 (+9.72%)	$400,683 (+9.72%) Land $65,000 Building $335,683
2023		$69,383
2022			$365,175 Land $55,000 Building $310,175

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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.

Wildfire

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.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20