14 Woods Trail Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 14 Woods Trail Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,969 sqft · built 1978
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$322,000 (Aug 2010)
Tax Bill	$4,745 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432219A002`

Property Details

APN / Parcel Number

Primary APN	`432219A002`
Alternative APN	`3-0118-5229-00-0050.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,969 sqft Living Area
Gross Area	3,738 sqft
1st Floor Area	2,102 sqft
Basement Area	1,084 sqft
Finished Basement	867 sqft
Unfinished Basement	217 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	432219A002
Street Address	14 WOODS TRAIL CT
City	SAINT CHARLES
State	MO
Zip	63303-6236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	TRAILS OF RIVERWOOD #9 LOT 50
Legal Subdivision	TRAILS OF RIVERWOOD #9
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3001
Census Tract	311145

Owner

14 Woods Trail Ct is owned and occupied by two individuals who bought it in August 2010.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 WOODS TRAIL CT, SAINT CHARLES, MO 63303-6236
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
Nov 13, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 4, 2021	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2010 · Amount on File
Deed Sale	Aug 2, 2010 · Amount on File
Prior Sale	Apr 23, 2001 · Amount on File
Deed Document Number	2010466310
Deed Book / Page	5421 / 1817
Prior Transfer Date	Apr 13, 2001
Prior Transfer Doc	0000030773
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	14 WOODS TRAIL CT, SAINT CHARLES, MO 63303-6236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071802185
Date	Nov 13, 2019
Book Page	7180/2185
Instrument	20191113000648850

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 18, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	14 WOODS TRAIL CT, SAINT CHARLES, MO 63303-6236
Document Number	0000007727
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 WOODS TRAIL CT ST CHARLES MO 633036236, ST CHARLES, MO 63303-6236

Mortgage

Document Number	0000007727
Date	Jan 26, 2021
Instrument	7727

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 25, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 14 Woods Trail Ct was $4,745.

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		$79,127 (-)	$416,459 (-) Land $100,000 Building $316,459
2025	$4,745.00	$79,127	$416,459 Land $100,000 Building $316,459
2023		$71,256
2022			$375,032 Land $100,000 Building $275,032

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 14 Woods Trail Ct 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	1 in force
Nearby Flood Claims	46 (1978–2024)
Claims Outside the SFHA	28 of 46
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Flooding, Jun 2011 · 2 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 2 claims Severe Storms & Flooding, Aug 1993 · 13 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 14 Woods Trail Ct is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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