St. Charles County property record for 147 Palais Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,056 sqft · built 2023 |
| Lot Size | 0.145 acres (6,329 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Feb 2025) |
| Tax Bill | $8,982 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T230600012 |
| Primary APN | T230600012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,056 sqft Living Area |
| Gross Area | 3,352 sqft |
| 1st Floor Area | 1,676 sqft |
| Basement Area | 1,676 sqft |
| Finished Basement | 380 sqft |
| Unfinished Basement | 1,296 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 6,329 sqft (0.145 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T230600012 |
|---|---|
| Street Address | 147 PALAIS CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS OF PROVENCE #5 LOT 12 |
| Legal Subdivision | VLGS OF PROVENCE #5 |
| Legal Lot Number | 12 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 310302 |
147 Palais Ct is owned and occupied by two individuals who bought it in February 2025.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 147 PALAIS CT, SAINT CHARLES, MO 63301-5032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SERVION INC |
| Sep 22, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FRONTIER FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2025 · Amount on File |
| Deed Sale | Feb 18, 2025 · Amount on File |
| Prior Sale | Sep 22, 2023 · Amount on File |
| Deed Document Number | 20256407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 147 PALAIS CT, SAINT CHARLES, MO 63301-5032 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 147 PALAIS CT, SAINT CHARLES, MO 63301-5032 |
| Document Number | 0000011926 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 2026R-011926 |
| Name | SERVION INC |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT PAUL, MN 55112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 22, 2023 |
| Property Address | 147 PALAIS CT, SAINT CHARLES, MO 63301-5032 |
| Document Number | 0000039077 |
| Map Reference | DOC 2022R-001042 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023R-039077 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 147 PALAIS CT, SAINT CHARLES, MO 63301-5032 |
| Document Number | 0000039078 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 2023R-039078 |
| Name | FRONTIER FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 147 Palais Ct was $8,982, up 5.8% 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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,090 (-) | $547,841 (-) Land $90,000 Building $457,841 | |
| 2025 | $8,982.00 (+5.77%) | $104,090 | $547,841 Land $90,000 Building $457,841 |
| 2024 | $8,492.00 | ||
| 2023 | $12,350 | $65,000 Land $65,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 147 Palais Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.
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 | 5 in force |
| Nearby Flood Claims | 7 (2002–2022) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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 147 Palais Ct 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 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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