13 Wilbert Dr, Saint Charles, MO 63304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 928 sqft · built 1971
Lot Size	0.173 acres (7,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,900 (Dec 2017)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`531630A000`

Property Details

APN / Parcel Number

Primary APN	`531630A000`
Alternative APN	`3-0115-4089-02-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	928 sqft
Basement Area	910 sqft

Exterior

Year Built	Built 1971
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	7,560 sqft
Lot Dimensions	126 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	531630A000
Old Parcel Number	531630A000
Street Address	13 WILBERT DR
City	SAINT CHARLES
State	MO
Zip	63304-8521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HARVEST AC #2 BLK 2 LOT 18
Legal Range	04E
Legal Township	46N
Legal Subdivision	HARVEST AC #2
Legal Block	2
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1009
Census Tract	311221

Owner

Source: St. Charles County records, as of March 16, 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	13 WILBERT DR, SAINT CHARLES, MO 63304-8521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 21, 2017	Warranty Deed, Transfer BANK OF AMERICA
Mar 16, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU OF BELOIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Mar 16, 2017
Deed Document Number	0068562138
Deed Book / Page	6856 / 2138
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 WILBERT DR, SAINT CHARLES, MO 63304-8521
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 WILBERT DR, SAINT CHARLES, MO 63304-8521

Mortgage

Document Number	0000044800
Date	Oct 8, 2025
Instrument	2025R-044800

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2017
Property Address	13 WILBERT DR, SAINT CHARLES, MO 63304-8521
Document Number	0068562138
Book / Page	006856 / 002138
Instrument Date	Dec 20, 2017
Instrument	787970
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	CONTINENTAL

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	Joint Tenants with Right of Survivorship
Address	13 WILBERT DR ST CHARLES MO 633048521, ST CHARLES, MO 63304-8521

Mortgage

Document Number	68562140
Date	Dec 21, 2017
Book Page	006856/002140
Instrument	787980

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 16, 2017
Property Address	13 WILBERT DR, SAINT CHARLES, MO 63304-8521
Document Number	0067121330
Book / Page	6712 / 1330
Map Reference	MB 7 PG 6
Instrument Date	Mar 10, 2017
Instrument	20170315000156900
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WILBERT DR, 11, SAINT CHARLES, MO 63304-8521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 WILBERT DR, SAINT CHARLES, MO 63304-8521

Mortgage

Document Number	20170315000156910
Date	Mar 16, 2017
Instrument	20170315000156910

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,107.00	$35,291 (+11.58%)	$185,742 (+11.58%) Land $40,000 Building $145,742
2023		$31,629
2022			$166,468 Land $35,000 Building $131,468

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
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

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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