12 Wilbert Dr, Saint Charles, MO 63304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,380 sqft · built 1972
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,500 (Jan 2017)
Tax Bill	$2,294 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`531930A000`

Property Details

APN / Parcel Number

Primary APN	`531930A000`
Alternative APN	`3-0115-4089-03-0006.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	660 sqft
Unfinished Basement	60 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	531930A000
Street Address	12 WILBERT DR
City	SAINT CHARLES
State	MO
Zip	63304-5550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HARVEST AC #2 BLK 3 LOT 6
Legal Subdivision	HARVEST AC #2
Legal Block	3
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1001
Census Tract	311221

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 25, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2017 · Amount on Record
Deed Sale	Jan 25, 2017 · Amount on Record
Prior Sale	Sep 17, 2009 · Amount on Record
Deed Document Number	201752260
Deed Book / Page	6690 / 1444
Prior Transfer Date	Jan 17, 2017
Prior Transfer Doc	0066901444
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550

Mortgage

Document Number	0000003895
Date	Jan 31, 2024
Instrument	2024R-003895

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090600
Date	Nov 2, 2021
Instrument	2021R-090600

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 25, 2017
Property Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550
Document Number	0066901444
Book / Page	6690 / 1444
Map Reference	MB 7 PG 6
Instrument Date	Jan 17, 2017
Instrument	20170125000052260
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WILBERT DR, SAINT CHARLES, MO 63304-5550

Mortgage

Document Number	20170125000052270
Date	Jan 25, 2017
Instrument	20170125000052270

Lender

Name	ALLIANCE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

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		$38,464 (-)	$202,440 (-) Building $202,440
2025	$2,294.00 (+8.36%)	$38,464 (+9.15%)	$202,440 (+9.16%) Building $202,440
2024	$2,117.00 (+21.53%)
2023		$35,238 (+31.08%)
2022	$1,742.00	$26,883	$185,461 (+31.08%) Land $35,000 Building $150,461
2021			$141,488

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL 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: Wisper ISP.

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