1241 Stephenridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1241 Stephenridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,953 sqft · built 1986
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$385,820 (Nov 2023)
Tax Bill	$4,056 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A870001872`

Property Details

APN / Parcel Number

Primary APN	`A870001872`
Alternative APN	`3-0120-6067-00-0233.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,953 sqft Living Area
Gross Area	3,769 sqft
1st Floor Area	1,702 sqft
Basement Area	1,668 sqft
Finished Basement	1,251 sqft
Unfinished Basement	417 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	356 sqft
Deck Area	Deck Area
Patio Area	114 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870001872
Street Address	1241 STEPHENRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63304-3443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #5 LOT 233
Legal Subdivision	MEADOWRIDGE #5
Legal Lot Number	233
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1012
Census Tract	311122

Owner

1241 Stephenridge Dr is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
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
Apr 8, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 30, 2023	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
May 18, 2022	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 28, 2021	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 30, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 30, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on File
Deed Sale	Nov 30, 2023 · Amount on File
Prior Sale	Mar 28, 2013 · Amount on File
Deed Document Number	202348724
Prior Transfer Date	Nov 20, 2023
Prior Transfer Doc	0000048724
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 8, 2026
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Document Number	0000016225
Instrument Date	Apr 2, 2026
Instrument	202616225
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443

Mortgage

Document Number	0000016225,
Date	Apr 8, 2026
Instrument	202616225

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2023
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Document Number	0000048724
Map Reference	MB 25 PG 162
Instrument Date	Nov 20, 2023
Instrument	2023R-048724
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443

Mortgage

Document Number	0000048725
Date	Nov 30, 2023
Instrument	2023R-048725

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443

Mortgage

Document Number	0000028246
Date	May 18, 2022
Instrument	2022R-028246

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	FIRST SOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443

Mortgage

Document Number	2021R063208
Date	Jul 28, 2021
Instrument	2021R-063208

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071521136
Date	Sep 30, 2019
Book Page	7152/1136
Instrument	20190930000539210

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1241 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073322441
Date	Jun 30, 2020
Book Page	7332/2441
Instrument	20200630000449170

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1241 Stephenridge Dr was $4,056, up 8.3% from the year before.

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		$68,371 (-)	$359,849 (-) Land $71,500 Building $288,349
2025	$4,056.00 (+8.33%)	$68,371	$359,849 Land $71,500 Building $288,349
2024	$3,744.00
2023		$62,670
2022			$329,841 Land $71,500 Building $258,341

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

FEMA maps place 1241 Stephenridge Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 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

Wildfire risk around 1241 Stephenridge 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 98% of the US · lower than 96% 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 514 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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