1289 Stephenridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1289 Stephenridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,830 sqft · built 1985
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (Jun 2019)
Tax Bill	$3,766 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000569`

Property Details

APN / Parcel Number

Primary APN	`A860000569`
Alternative APN	`3-0120-5859-00-0032.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,830 sqft Living Area
Gross Area	3,423 sqft
1st Floor Area	1,218 sqft
Basement Area	894 sqft
Finished Basement	700 sqft
Unfinished Basement	194 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	125 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000569
Street Address	1289 STEPHENRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63304-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #1 LOT 32
Legal Subdivision	MEADOWRIDGE #1
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1016
Census Tract	311122

Owner

1289 Stephenridge Dr is owned and occupied by two individuals who bought it in June 2019.

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	1289 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	May 22, 2015 · Amount on File
Deed Document Number	2019271870
Deed Book / Page	7084 / 1278
Prior Transfer Date	Nov 26, 2001
Prior Transfer Doc	0027360530
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2019
Property Address	1289 STEPHENRIDGE DR, SAINT CHARLES, MO 63304-3407
Document Number	0070841278
Book / Page	007084 / 001278
Instrument Date	May 30, 2019
Instrument	271870
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1289 STEPHENRIDGE DR ST CHARLES MO 633043407, ST CHARLES, MO 63304-3407

Mortgage

Document Number	70841280
Date	Jun 5, 2019
Book Page	007084/001280
Instrument	271880

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1289 Stephenridge Dr was $3,766, up 11.7% 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		$63,452 (-)	$333,956 (-) Land $65,000 Building $268,956
2025	$3,766.00 (+11.65%)	$63,452	$333,956 Land $65,000 Building $268,956
2024	$3,373.00
2023		$56,414
2022			$296,918 Land $65,000 Building $231,918

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 1289 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 1289 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.

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