15 Rose Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 15 Rose Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,680 sqft · built 1958
Lot Size	0.39 acres (17,000 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Nov 2012)
Tax Bill	$2,680 (2025)
Deeds & Mortgages	Jan 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`496680A000`

Property Details

APN / Parcel Number

Primary APN	`496680A000`
Alternative APN	`3-0015-4308-00-0015.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	560 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,000 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	496680A000
Street Address	15 ROSE DR
City	SAINT CHARLES
State	MO
Zip	63304-6828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HOLIDAY HILLS LOT 15
Legal Subdivision	HOLIDAY HILLS
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

15 Rose Dr is owned and occupied by an individual who acquired it in January 2020.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	Individual Name on File
Mailing Address	15 ROSE DR, SAINT CHARLES, MO 63304-6828
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2012 · Amount on File
Deed Sale	Nov 20, 2012 · Amount on File
Deed Document Number	2012895190
Deed Book / Page	5900 / 2144
Last Transfer Date	Jan 31, 2020
Transfer Doc	0072241204
Record Updated	Jun 8, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 31, 2020
Property Address	15 ROSE DR, SAINT CHARLES, MO 63304-6828
Document Number	0072241204
Book / Page	007224 / 001204
Instrument Date	Jan 31, 2020
Instrument	64930
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ROSE DR ST CHARLES MO 633046828, ST CHARLES, MO 63304-6828

Tax Assessment & Valuation

The 2025 property tax bill for 15 Rose Dr was $2,680, up 3% from the year before.

Source: St. Charles County assessment roll, as of August 13, 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	$2,680.00 (+3.04%)	$45,018	$236,935 Land $55,000 Building $181,935
2024	$2,601.00
2023		$43,392
2022			$228,380 Land $55,000 Building $173,380

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 15 Rose Dr in Zone X, an area of minimal flood risk, though there have been 11 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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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 15 Rose 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 99.1% 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 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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