12 Gerald Dr, Saint Charles, MO 63304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,984 sqft · built 2006
Lot Size	0.413 acres (18,000 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Jul 2018)
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`536850A000`

Property Details

APN / Parcel Number

Primary APN	`536850A000`
Alternative APN	`3-0036-4277-00-0021.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,984 sqft Living Area
Gross Area	3,052 sqft
1st Floor Area	1,334 sqft
Basement Area	1,258 sqft
Finished Basement	650 sqft
Unfinished Basement	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	240 sqft

Location & Zoning

Account Number	536850A000
Street Address	12 GERALD DR
City	SAINT CHARLES
State	MO
Zip	63304-6938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	GLENBROOK LOT 21
Legal Subdivision	GLENBROOK
Legal Lot Number	21
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

Source: St. Charles County records, as of August 13, 2025

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
Mailing Address	12 GERALD DR, SAINT CHARLES, MO 63304-6938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 3, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Jul 5, 2018	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Prior Sale	Dec 13, 2016 · Amount on Record
Deed Document Number	2018379440
Deed Book / Page	6944 / 1344
Prior Transfer Date	May 7, 2008
Prior Transfer Doc	0049871978
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 GERALD DR, SAINT CHARLES, MO 63304-6938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071890680
Date	Nov 26, 2019
Book Page	7189/0680
Instrument	20191126000680470

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 GERALD DR, SAINT CHARLES, MO 63304-6938
Document Number	0000096082
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 GERALD DR ST CHARLES MO 633046938, ST CHARLES, MO 63304-6938

Mortgage

Document Number	0000096082
Date	Dec 8, 2020
Instrument	96082

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 5, 2018
Property Address	12 GERALD DR, SAINT CHARLES, MO 63304-6938
Document Number	0069441344
Book / Page	006944 / 001344
Instrument Date	Jul 2, 2018
Instrument	379440
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	CONTINENTAL

Transaction

Amount	Amount Recorded
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	Husband and Wife
Address	12 GERALD DR ST CHARLES MO 633046938, ST CHARLES, MO 63304-6938

Mortgage

Document Number	69441346
Date	Jul 5, 2018
Book Page	006944/001346
Instrument	379450

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$3,942.00 (+9.5%)	$66,438 (+10.28%)	$349,675 (+10.28%) Building $349,675
2024	$3,600.00
2023		$60,243
2022			$317,071 Building $317,071

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 377 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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