1284 Stephenridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1284 Stephenridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,216 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$430,500 (Aug 2023)
Tax Bill	$4,159 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000053`

Property Details

APN / Parcel Number

Primary APN	`A870000053`
Alternative APN	`3-0120-5994-00-0186.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,216 sqft Living Area
Gross Area	3,820 sqft
1st Floor Area	1,716 sqft
Basement Area	1,686 sqft
Finished Basement	1,500 sqft
Unfinished Basement	186 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	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000053
Street Address	1284 STEPHENRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63304-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #4 LOT 186
Legal Subdivision	MEADOWRIDGE #4
Legal Lot Number	186
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1017
Census Tract	311122

Owner

1284 Stephenridge Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1284 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3406
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
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Aug 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on File
Deed Sale	Aug 3, 2023 · Amount on File
Prior Sale	Nov 30, 2015 · Amount on File
Deed Document Number	202331136
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1284 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3406
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1284 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3406

Mortgage

Document Number	0000006108
Date	Feb 17, 2023
Instrument	2023R-006108

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2023
Property Address	1284 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3406
Document Number	0000031136
Map Reference	MB 25 PG 72
Instrument Date	Jul 25, 2023
Instrument	2023R-031136
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5722 LAKE ST, LAKE SAINT LOUIS, MO 63367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1284 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3406

Mortgage

Document Number	0000031137
Date	Aug 3, 2023
Instrument	2023R-031137

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1284 Stephenridge Dr was $4,159.

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		$70,127 (-)	$369,091 (-) Land $65,000 Building $304,091
2025	$4,159.00	$70,127	$369,091 Land $65,000 Building $304,091
2023		$61,733 (+27.15%)
2022	$3,124.00	$48,551	$324,909 (+27.15%) Land $65,000 Building $259,909
2021			$255,530 Land $55,000 Building $200,530

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 1284 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 1284 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Stephenridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures