13 Edward Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 13 Edward Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 859 sqft · built 1969
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$171,000 (May 2021)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`532170A000`

Property Details

APN / Parcel Number

Primary APN	`532170A000`
Alternative APN	`3-0115-4089-03-0014.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	859 sqft Living Area
Gross Area	1,909 sqft
1st Floor Area	859 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	532170A000
Street Address	13 EDWARD DR
City	SAINT CHARLES
State	MO
Zip	63304-8523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HARVEST AC #2 BLK 3 LOT 14
Legal Subdivision	HARVEST AC #2
Legal Block	3
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1001
Census Tract	311221

Owner

13 Edward Dr is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523
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
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Dec 9, 2019	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Aug 14, 2018	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on File
Deed Sale	May 7, 2021 · Amount on File
Prior Sale	Aug 14, 2018 · Amount on File
Deed Document Number	202140304
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 7, 2021
Property Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523
Document Number	2021R040304
Map Reference	MB 7 PG 6
Instrument Date	May 3, 2021
Instrument	2021R-040304
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 ANN DR, 411, WENTZVILLE, MO 63385-2719

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523

Mortgage

Document Number	2021R040305
Date	May 7, 2021
Instrument	2021R-040305

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071951981
Date	Dec 9, 2019
Book Page	7195/1981
Instrument	20191209000705940

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2018
Property Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523
Document Number	0069621647
Book / Page	6962 / 1647
Map Reference	MB 7 PG 6
Instrument Date	Aug 9, 2018
Instrument	20180814000463430
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 SAINT PETERS HOWELL RD, 470, SAINT CHARLES, MO 63304-7116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 EDWARD DR, SAINT CHARLES, MO 63304-8523
Investor	Possibly a Property Investor

Mortgage

Document Number	20180814000463440
Date	Aug 14, 2018
Instrument	20180814000463440

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13 Edward Dr was $2,053.

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		$34,385 (-)	$180,976 (-) Land $40,000 Building $140,976
2025	$2,053.00	$34,385	$180,976 Land $40,000 Building $140,976
2023		$30,509
2022			$160,573 Land $35,000 Building $125,573

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 13 Edward Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	28 (1978–2025)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 7 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 13 Edward 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	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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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: Wisper ISP.

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