12 Rose Dr, Saint Charles, MO 63304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,274 sqft · built 1964
Lot Size	1.33 acres (58,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Jan 2022)
Tax Bill	$3,470 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T211100004`

Property Details

APN / Parcel Number

Primary APN	`T211100004`
Alternative APN	`3-0015-C947-00-0012.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	1,274 sqft
Basement Area	1,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,370 sqft
Lot Dimensions	170 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	T211100004
Street Address	12 ROSE DR
City	SAINT CHARLES
State	MO
Zip	63304-6828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ROSE & WILLIAM BDRY ADJ PLAT LOT 12
Legal Subdivision	ROSE & WILLIAM BDRY ADJ PLAT
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 ROSE DR, SAINT CHARLES, MO 63304-6828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Prior Sale	Dec 12, 2001 · Amount on Record
Deed Document Number	20224025
Prior Transfer Date	Mar 19, 2020
Prior Transfer Doc	0000027313
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 20, 2022
Property Address	12 ROSE DR, SAINT CHARLES, MO 63304-6828
Document Number	0000004025
Map Reference	MB 51 PG 63
Instrument Date	Jan 19, 2022
Instrument	2022R-004025
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 BREEZE PARK DR APT 194, 600, WELDON SPRING, MO 63304-9177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ROSE DR, SAINT CHARLES, MO 63304-6828

Mortgage

Document Number	0000004026
Date	Jan 20, 2022
Instrument	2022R-004026

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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		$58,439 (-)	$307,573 (-) Land $79,200 Building $228,373
2025	$3,470.00	$58,439 (+9.17%)	$307,573 (+9.18%) Land $79,200 Building $228,373
2023		$53,528
2022			$281,724 Land $79,200 Building $202,524

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	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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	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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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