12 Anna Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 12 Anna Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1962
Lot Size	0.168 acres (7,320 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Jan 2018)
Tax Bill	$2,094 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`527580A000`

Property Details

APN / Parcel Number

Primary APN	`527580A000`
Alternative APN	`3-0115-4088-02-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft

Exterior

Year Built	Built 1962
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	7,320 sqft
Lot Dimensions	122 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	527580A000
Old Parcel Number	527580A000
Street Address	12 ANNA DR
City	SAINT CHARLES
State	MO
Zip	63304-5544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HARVEST AC #1 RESUB BLK 2 LOT 6
Legal Range	04E
Legal Township	46N
Legal Subdivision	HARVEST AC #1 RESUB
Legal Block	2
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1018
Census Tract	311221

Owner

12 Anna Dr is owned and occupied by two individuals who bought it in January 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
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 17, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 22, 2020	Deed of Trust, Mortgage QUICKEN LNS
Jan 12, 2018	Warranty Deed, Transfer DAS ACQUISITION
Sep 25, 2017	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC
Jun 27, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jun 19, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2018 · Amount on File
Deed Sale	Jan 12, 2018 · Amount on File
Deed Document Number	0068661969
Deed Book / Page	6866 / 1969
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544

Mortgage

Document Number	0000009954
Date	Mar 17, 2023
Instrument	2023R-009954

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Document Number	0000072114
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ANNA DR ST CHARLES MO 633045544, ST CHARLES, MO 63304-5544

Mortgage

Document Number	0000072114
Date	Sep 28, 2020
Instrument	72114

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 12, 2018
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Document Number	0068661969
Book / Page	006866 / 001969
Instrument Date	Jan 12, 2018
Instrument	24620
Transaction Type	Transfer
Record Updated	Feb 22, 2018
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	Joint Tenants with Right of Survivorship
Address	12 ANNA DR ST CHARLES MO 633045544, ST CHARLES, MO 63304-5544

Mortgage

Document Number	68661971
Date	Jan 12, 2018
Book Page	006866/001971
Instrument	24630

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2017
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Document Number	0068120671
Book / Page	006812 / 000671
Instrument Date	Sep 22, 2017
Instrument	599660
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ANNA DR ST CHARLES MO 633045544, ST CHARLES, MO 63304-5544

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 27, 2017
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Document Number	0067650809
Book / Page	006765 / 000809
Instrument Date	Jun 27, 2017
Instrument	391550
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	715 BULL VALLEY DR ST PETERS MO 633048545, ST PETERS, MO 63304-8545

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 19, 2017
Property Address	12 ANNA DR, SAINT CHARLES, MO 63304-5544
Document Number	0067610748
Book / Page	006761 / 000748
Instrument Date	Jun 8, 2017
Instrument	372880
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 BULL VALLEY DR ST PETERS MO 633048545, ST PETERS, MO 63304-8545

Tax Assessment & Valuation

The 2025 property tax bill for 12 Anna Dr was $2,094.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,094.00	$35,075	$184,603 Land $40,000 Building $144,603
2023		$31,431
2022			$165,425 Land $35,000 Building $130,425

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 12 Anna Dr in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1978.

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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	28 (1978–2025)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 7 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

The area around 12 Anna Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	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: i3 Broadband, Wisper ISP.

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