St. Charles County property record for 1218 Hearthside Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,672 sqft · built 1991 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (May 2019) |
| Tax Bill | $3,978 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jul 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A923000343 |
| Primary APN | A923000343 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,672 sqft Living Area |
| Gross Area | 3,848 sqft |
| 1st Floor Area | 1,732 sqft |
| Basement Area | 1,716 sqft |
| Finished Basement | 940 sqft |
| Unfinished Basement | 776 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | Deck Area |
| Patio Area | 310 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A923000343 |
|---|---|
| Street Address | 1218 HEARTHSIDE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-4523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON FARM #7 LOT 282 |
| Legal Subdivision | WELLINGTON FARM #7 |
| Legal Lot Number | 282 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 311114 |
1218 Hearthside Dr is owned and occupied by two individuals who bought it in May 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| 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.
| Date | Document |
|---|---|
| Jul 7, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Jul 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| May 6, 2019 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2019 · Amount on File |
| Deed Sale | May 6, 2019 · Amount on File |
| Prior Sale | Sep 3, 2009 · Amount on File |
| Deed Document Number | 2019211970 |
| Deed Book / Page | 7069 / 1833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 0000026535 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 2023R-026535 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 0000039164 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | 2022R-039164 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 2021R038000 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021R-038000 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1218 HEATHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 2021R030085 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2021R-030085 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 6, 2019 |
| Property Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 0070691833 |
| Book / Page | 7069 / 1833 |
| Map Reference | MB 30 PG 330 |
| Instrument Date | May 1, 2019 |
| Instrument | 20190506000211970 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | SYNERGY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1218 HEARTHSIDE DR, 1218, SAINT CHARLES, MO 63304-4523 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1218 HEARTHSIDE DR, SAINT CHARLES, MO 63304-4523 |
| Document Number | 20190506000211980 |
|---|---|
| Date | May 6, 2019 |
| Instrument | 20190506000211980 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 1218 Hearthside Dr was $3,978.
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 | $67,059 (-) | $352,941 (-) Land $77,777 Building $275,164 | |
| 2025 | $3,978.00 | $67,059 | $352,941 Land $77,777 Building $275,164 |
| 2023 | $59,959 | ||
| 2022 | $315,573 Land $61,110 Building $254,463 |
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 1218 Hearthside Dr 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 | 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.
The area around 1218 Hearthside Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures