St. Charles County property record for 1205 Overlook Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,162 sqft · built 1995 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,800 (Mar 2017) |
| Tax Bill | $3,795 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit May 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A913000548 |
| Primary APN | A913000548 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,162 sqft Living Area |
| Gross Area | 3,308 sqft |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 1,448 sqft |
| Finished Basement | 702 sqft |
| Unfinished Basement | 746 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 308 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A913000548 |
|---|---|
| Street Address | 1205 OVERLOOK DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLES RIDGE #3 LOT 7 |
| Legal Subdivision | EAGLES RIDGE #3 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 311148 |
1205 Overlook Dr is owned and occupied by two individuals who bought it in March 2017.
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 File |
|---|---|
| Mailing Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| May 21, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Mar 10, 2017 | Quit Claim Deed, Transfer FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on File |
| Deed Sale | Mar 10, 2017 · Amount on File |
| Prior Sale | Apr 9, 2007 · Amount on File |
| Deed Document Number | 2017146090 |
| Deed Book / Page | 6710 / 687 |
| Prior Transfer Date | Mar 4, 2017 |
| Prior Transfer Doc | 0067100687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Document Number | 0000001191 |
|---|---|
| Date | Jan 10, 2024 |
| Instrument | 2024R-001191 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Document Number | 2021R044466 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 2021R-044466 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 172 Months |
| Due | Sep 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 10, 2017 |
| Property Address | 1205 OVERLOOK DR, SAINT CHARLES, MO 63303-1928 |
| Document Number | 0067100687 |
| Book / Page | 00671 / 000687 |
| Instrument Date | Mar 4, 2017 |
| Instrument | 146090 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1205 OVERLOOK DR ST CHARLES MO 633031928, ST CHARLES, MO 63303-1928 |
| Document Number | 67100690 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 006710/000690 |
| Instrument | 146100 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 9, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $63,196 (-) | $332,611 (-) Land $60,000 Building $272,611 | |
| 2025 | $3,795.00 (+5.39%) | $63,196 (+8.63%) | $332,611 (+8.63%) Land $60,000 Building $272,611 |
| 2024 | $3,601.00 | ||
| 2023 | $58,175 | ||
| 2022 | $306,182 Land $60,000 Building $246,182 |
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.
FEMA maps place 1205 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 |
| Nearby Flood Claims | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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 risk around 1205 Overlook Dr is low, with less than 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 526 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 |
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