112 Turtle Rock Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 112 Turtle Rock Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,764 sqft · built 1983
Lot Size	3.95 acres (172,280 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Aug 2019)
Tax Bill	$5,516 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`567906A047`

Property Details

APN / Parcel Number

Primary APN	`567906A047`
Alternative APN	`3-0107-5626-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,764 sqft Living Area
Gross Area	5,464 sqft
1st Floor Area	1,936 sqft
Basement Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	172,280 sqft
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	315 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	567906A047
Street Address	112 TURTLE ROCK CT
City	SAINT CHARLES
State	MO
Zip	63304-7679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKES #2 LOT 49
Legal Subdivision	LAKES #2
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3025
Census Tract	311124

Owner

112 Turtle Rock Ct is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jun 21, 2019	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Oct 12, 2020	Deed of Trust, Mortgage QUICKEN LNS
Aug 14, 2019	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Deed Document Number	2019427490
Deed Book / Page	7123 / 1044
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679

Mortgage

Document Number	0000008375
Date	Mar 7, 2023
Instrument	2023R-008375

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070930868
Date	Jun 21, 2019
Book Page	7093/0868
Instrument	20190621000308690

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679
Document Number	0000078936
Instrument Date	Oct 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 TURTLE ROCK CT ST CHARLES MO 633047679, ST CHARLES, MO 63304-7679

Mortgage

Document Number	0000078936
Date	Oct 19, 2020
Instrument	78936

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2019
Property Address	112 TURTLE ROCK CT, SAINT CHARLES, MO 63304-7679
Document Number	0071231044
Book / Page	007123 / 001044
Instrument Date	Aug 13, 2019
Instrument	427490
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	OTHER

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	Married Couple
Address	112 TURTLE ROCK CT ST CHARLES MO 633047679, ST CHARLES, MO 63304-7679

Mortgage

Document Number	71231046
Date	Aug 14, 2019
Book Page	007123/001046
Instrument	427500

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 112 Turtle Rock Ct was $5,516.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,151 (-)	$490,271 (-) Land $110,000 Building $380,271
2025	$5,516.00	$93,151	$490,271 Land $110,000 Building $380,271
2023		$81,382
2022			$428,328 Land $110,000 Building $318,328

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 112 Turtle Rock Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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 112 Turtle Rock Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 18 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed, i3 Broadband, Wisper ISP.

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