129 Tulip Tree Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 129 Tulip Tree Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,258 sqft · built 1985
Lot Size	0.438 acres (19,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Dec 2019)
Tax Bill	$3,249 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544350A000`

Property Details

APN / Parcel Number

Primary APN	`544350A000`
Alternative APN	`3-0115-4273-00-0129.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,258 sqft Living Area
Gross Area	3,682 sqft
1st Floor Area	1,658 sqft
Basement Area	1,274 sqft
Finished Basement	600 sqft
Unfinished Basement	674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,080 sqft (0.438 acres)
Lot Dimensions	212 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	76 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	544350A000
Street Address	129 TULIP TREE DR
City	SAINT CHARLES
State	MO
Zip	63304-7935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	POWELL PK FOREST GARDENS HOWELL ADDN CORRTD PLAT LOT 129
Legal Subdivision	POWELL PK & FOREST GARDENS & HOWELL ADDN
Legal Lot Number	129
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3004
Census Tract	311331

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	129 TULIP TREE DR, SAINT CHARLES, MO 63304-7935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK CENTRE
Sep 23, 2020	Deed of Trust, Mortgage FRONTIER MTG
Dec 30, 2019	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Deed Document Number	2019750690
Deed Book / Page	7207 / 1332
Last Transfer Date	May 31, 2024
Transfer Doc	0000023121
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	129 TULIP TREE DR, SAINT CHARLES, MO 63304-7935
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 TULIP TREE DR, SAINT CHARLES, MO 63304-7935

Mortgage

Document Number	0000019562
Date	Apr 5, 2022
Instrument	2022R-019562

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	129 TULIP TREE DR, SAINT CHARLES, MO 63304-7935
Document Number	0000073775
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	129 TULIP TREE DR ST CHARLES MO 633047935, ST CHARLES, MO 63304-7935

Mortgage

Document Number	0000073775
Date	Oct 1, 2020
Instrument	73775

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2019
Property Address	129 TULIP TREE DR, SAINT CHARLES, MO 63304-7935
Document Number	0072071332
Book / Page	007207 / 001332
Instrument Date	Dec 23, 2019
Instrument	750690
Transaction Type	Transfer
Record Updated	Feb 19, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
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	Husband and Wife
Address	129 TULIP TREE DR ST CHARLES MO 633047935, ST CHARLES, MO 63304-7935

Mortgage

Document Number	72071334
Date	Dec 30, 2019
Book Page	007207/001334
Instrument	750700

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

Tax Assessment & Valuation

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		$54,030 (-)	$284,368 (-) Land $47,140 Building $237,228
2025	$3,249.00	$54,030 (+8.86%)	$284,368 (+8.86%) Land $47,140 Building $237,228
2023		$49,632
2022			$261,220 Land $47,140 Building $214,080

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

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	4 units insured incl. 4 condo units
Nearby Flood Claims	6 (1979–2020)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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

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	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 431 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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