St. Charles County property record for 13 Vera Pl, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,660 sqft · built 2020 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,804 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T210800020 |
| Primary APN | T210800020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,660 sqft Living Area |
| Basement Area | 696 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick/Stone |
| Lot Area | 5,532 sqft (0.126 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T210800020 |
|---|---|
| Street Address | 13 VERA PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTCLAIR CROSSING #2 LOT 39 |
| Legal Subdivision | MONTCLAIR CROSSING #2 |
| Legal Lot Number | 39 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 311004 |
13 Vera Pl is owner-occupied and held in a trust since June 2025.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 13 VERA PL, SAINT CHARLES, MO 63303-4244 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
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 | 3 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2020 |
| Deed Sale | Nov 3, 2020 |
| Prior Sale | Nov 3, 2020 |
| Deed Document Number | 0000084331 |
| Last Transfer Date | Jun 2, 2025 |
| Transfer Doc | 0000022860 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 3, 2020 |
| Property Address | 13 VERA PL, SAINT CHARLES, MO 63303-4244 |
| Document Number | 0000084331 |
| Map Reference | MB 51 PG 104 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2020R-084331 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 13 VERA PL, SAINT CHARLES, MO 63303-4244 |
| Document Number | 0000084332 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 2020R-084332 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 13 Vera Pl was $3,804.
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,804.00 | $66,062 | $347,690 Land $45,000 Building $302,690 |
| 2023 | $64,098 | ||
| 2022 | $337,355 Land $45,000 Building $292,355 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Vera Pl in Zone X, an area of minimal flood risk, though there have been 49 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 | 49 (1979–1995) |
| Claims Outside the SFHA | 4 of 49 |
| Most Recent Claim | Jun 1995 · 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 Vera Pl 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 658 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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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