1285 Stephenridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1285 Stephenridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,674 sqft · built 1986
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$339,000 (Mar 2021)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870000055`

Property Details

APN / Parcel Number

Primary APN	`A870000055`
Alternative APN	`3-0120-5994-00-0188.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,674 sqft Living Area
Gross Area	3,830 sqft
1st Floor Area	1,642 sqft
Basement Area	1,642 sqft
Finished Basement	1,032 sqft
Unfinished Basement	610 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	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000055
Street Address	1285 STEPHENRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63304-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #4 LOT 188
Legal Subdivision	MEADOWRIDGE #4
Legal Lot Number	188
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1016
Census Tract	311122

Owner

1285 Stephenridge Dr is owned and occupied by an individual who bought it in March 2021.

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	Individual Name on File
Mailing Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA
Mar 25, 2021	Warranty Deed, Transfer SELECT TITLE GROUP
May 31, 2019	Warranty Deed, Transfer CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	202126292
Prior Transfer Date	Aug 21, 2012
Prior Transfer Doc	0058440326
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407

Mortgage

Document Number	0000039622
Date	May 5, 2021
Instrument	2021R-039622

Lender

Name	UMB BANK NA
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 25, 2021
Property Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Document Number	2021R026292
Map Reference	MB 25 PG 72
Instrument Date	Mar 23, 2021
Instrument	2021R-026292
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1285 STEPHENRIDGE DR, 1285, SAINT CHARLES, MO 63304-3407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Investor	Possibly a Property Investor

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 31, 2019
Property Address	1285 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Document Number	0070821283
Book / Page	007082 / 001283
Instrument Date	May 30, 2019
Instrument	263640
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1285 STEPHENRIDGE DR ST CHARLES MO 633043407, ST CHARLES, MO 63304-3407

Tax Assessment & Valuation

The 2025 property tax bill for 1285 Stephenridge Dr was $4,397, up 11.3% 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		$74,169 (-)	$390,363 (-) Land $65,000 Building $325,363
2025	$4,397.00 (+11.32%)	$74,169	$390,363 Land $65,000 Building $325,363
2024	$3,950.00
2023		$66,157
2022			$348,196 Land $65,000 Building $283,196

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 1285 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 1285 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