120 Heritage Sta, Saint Charles, MO 63303 Property Records

St. Charles County property record for 120 Heritage Sta, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,882 sqft · built 2005
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,441 (2024)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T050800196`

Property Details

APN / Parcel Number

Primary APN	`T050800196`
Alternative APN	`3-0117-9452-00-0096.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,882 sqft Living Area
Gross Area	5,740 sqft
1st Floor Area	2,535 sqft
Basement Area	2,535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	77 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T050800196
Street Address	120 HERITAGE STA
City	SAINT CHARLES
State	MO
Zip	63303-1756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EST AT HERITAGE TRLS LOT 96
Legal Subdivision	EST AT HERITAGE TRAILS
Legal Lot Number	96
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3015
Census Tract	311146

Owner

120 Heritage Sta is owned and occupied by two individuals who acquired it in June 2020.

Source: St. Charles County records, as of November 25, 2025

Owner of Record	2 Individual Names on File
Mailing Address	120 HERITAGE STA, SAINT CHARLES, MO 63303-1756
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
Sep 12, 2023	Deed of Trust, Mortgage COMMERCE BANK
Nov 9, 2020	Deed of Trust, Mortgage COMMERCE BK
Jun 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020
Deed Sale	Jun 17, 2020
Prior Sale	Mar 21, 2006 · Amount on File
Deed Document Number	2020413130
Deed Book / Page	7323 / 508
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	0073230506
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	120 HERITAGE STA, SAINT CHARLES, MO 63303-1756
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 HERITAGE STA, SAINT CHARLES, MO 63303-1756

Mortgage

Document Number	0000037306
Date	Sep 12, 2023
Instrument	2023R-037306

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64108

Agreement

Amount	Amount on Record
Term	144 Months
Due	Sep 5, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	120 HERITAGE STA, SAINT CHARLES, MO 63303-1756
Document Number	0000088715
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 HERITAGE STA ST CHARLES MO 633031756, ST CHARLES, MO 63303-1756

Mortgage

Document Number	0000088715
Date	Nov 16, 2020
Instrument	88715

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 17, 2020
Property Address	120 HERITAGE STA, SAINT CHARLES, MO 63303-1756
Document Number	0073230506
Book / Page	007323 / 000506
Instrument Date	Apr 23, 2020
Instrument	413120
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	120 HERITAGE STA ST CHARLES MO 633031756, ST CHARLES, MO 63303-1756

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		$113,668	$598,253 Land $100,000 Building $498,253
2024	$6,441.00
2023		$104,417 (+8.88%)
2022	$6,376.00	$95,897	$549,562 (+8.88%) Land $75,000 Building $474,562
2021			$504,720

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Heritage Sta in Zone X, an area of minimal flood risk.

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	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.

Wildfire

Wildfire risk around 120 Heritage Sta is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 222 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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