St. Charles County property record for 115 Whetstone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,494 sqft · built 1993 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $352,750 (Sep 2023) |
| Tax Bill | $3,913 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A946000042 |
| Primary APN | A946000042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,494 sqft Living Area |
| 1st Floor Area | 1,494 sqft |
| Basement Area | 1,430 sqft |
| Finished Basement | 906 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 164 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A946000042 |
|---|---|
| Old Parcel Number | A946000042 |
| Street Address | 115 WHETSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OXFORD EST LOT 242 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | OXFORD EST |
| Legal Lot Number | 242 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 311212 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 115 WHETSTONE DR, SAINT CHARLES, MO 63303-3027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2023 · Amount on Record |
| Deed Sale | Sep 21, 2023 · Amount on Record |
| Prior Sale | Sep 30, 2016 |
| Deed Document Number | 0202338944 |
| Deed Book / Page | 2023 / 38944 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 21, 2023 |
| Property Address | 115 WHETSTONE DR, SAINT CHARLES, MO 63303-3027 |
| Document Number | 0000038944 |
| Map Reference | MB 31 PG 148 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 2023R-038944 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1599 GHENT RD, COLUMBIA, IL 62236-2724 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 WHETSTONE DR, SAINT CHARLES, MO 63303-3027 |
| Document Number | 0000038945 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 2023R-038945 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,913.00 | $62,531 (+18.63%) | $329,112 (+18.63%) Land $58,500 Building $270,612 |
| 2023 | $52,713 | ||
| 2022 | $277,438 Land $49,500 Building $227,938 |
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.
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.
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.
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 |
| 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.
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 |
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