St. Charles County property record for 13 Ranchero Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,326 sqft · built 1954 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,706 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 458910A000 |
| Primary APN | 458910A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| Gross Area | 2,626 sqft |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 910 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 202 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 458910A000 |
|---|---|
| Street Address | 13 RANCHERO DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | EDGEWOOD AC LOT 13 |
| Legal Subdivision | EDGEWOOD AC |
| Legal Lot Number | 13 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 310901 |
13 Ranchero Dr is owned and occupied by two individuals who acquired it in January 2014.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 RANCHERO DR, SAINT CHARLES, MO 63303-4702 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2014 |
| Deed Sale | Jan 27, 2014 |
| Prior Sale | Jul 30, 2013 · Amount on File |
| Deed Document Number | 201442830 |
| Deed Book / Page | 6146 / 2431 |
| Prior Transfer Date | Jun 25, 2013 |
| Prior Transfer Doc | 0060441217 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13 Ranchero Dr was $2,706, up 5.3% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $46,832 (-) | $246,486 (-) Land $62,860 Building $183,626 | |
| 2025 | $2,706.00 (+5.25%) | $46,832 | $246,486 Land $62,860 Building $183,626 |
| 2024 | $2,571.00 | ||
| 2023 | $43,185 (+24.62%) | ||
| 2022 | $2,219.00 | $34,652 | $227,287 (+24.62%) Land $62,860 Building $164,427 |
| 2021 | $182,378 Land $51,430 Building $130,948 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Ranchero Dr in Zone X, an area of minimal flood risk, though there have been 69 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 69 (1979–2014) |
| Claims Outside the SFHA | 14 of 69 |
| Most Recent Claim | Jun 2014 · river or lake flooding |
| Claims by Event |
|
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 Ranchero 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 99.8% of the US · lower than 99.6% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 329 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 |
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