St. Charles County property record for 13 Hancock Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,976 sqft · built 1987 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $308,500 (Mar 2005) |
| Tax Bill | $5,302 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870003740 |
| Primary APN | A870003740 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,976 sqft Living Area |
| Gross Area | 5,537 sqft |
| 1st Floor Area | 2,976 sqft |
| Basement Area | 1,776 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 785 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 351 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870003740 |
|---|---|
| Street Address | 13 HANCOCK CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HERITAGE ADDN #2 LOT 87 |
| Legal Subdivision | HERITAGE ADDN #2 |
| Legal Lot Number | 87 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311146 |
13 Hancock Ct is owned and occupied by two individuals who bought it in March 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 HANCOCK CT, SAINT CHARLES, MO 63303-2902 |
| 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.
| Date | Document |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Oct 31, 2017 | Deed of Trust, Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2005 · Amount on File |
| Deed Sale | Mar 16, 2005 · Amount on File |
| Prior Sale | Aug 11, 2000 |
| Deed Document Number | 2005231670 |
| Deed Book / Page | 4125 / 2360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 13 HANCOCK CT, SAINT CHARLES, MO 63303-2902 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068312425 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 6831/2425 |
| Instrument | 20171031000683700 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 13 HANCOCK CT, SAINT CHARLES, MO 63303-2902 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068311845 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 6831/1845 |
| Instrument | 20171031000682880 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63303 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 13 Hancock Ct was $5,302.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $88,474 (-) | $465,654 (-) Land $88,000 Building $377,654 | |
| 2025 | $5,302.00 | $88,474 | $465,654 Land $88,000 Building $377,654 |
| 2023 | $79,824 | ||
| 2022 | $420,124 Land $77,000 Building $343,124 |
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.
FEMA maps place 13 Hancock Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 Claims | 1 (1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & Flooding |
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 risk around 13 Hancock Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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