15 Vanguard Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 15 Vanguard Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1983
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$165,640 (Mar 2022)
Tax Bill	$3,302 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`427845C404`

Property Details

APN / Parcel Number

Primary APN	`427845C404`
Alternative APN	`3-0153-5591-00-0236.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	1,104 sqft
Basement Area	1,056 sqft
Finished Basement	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	427845C404
Street Address	15 VANGUARD DR
City	SAINT PETERS
State	MO
Zip	63376-4409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	CRESCENT HILLS #5 LOT 236
Legal Subdivision	CRESCENT HILLS #5
Legal Lot Number	236
Jurisdiction	ST CHARLES MO
Township / Civil Division	SPENCER CREEK
Census Block Group	1
Census Block	1020
Census Tract	311294

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Mar 29, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 10, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Nov 8, 2011 · Amount on Record
Deed Document Number	202218006
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	0000018006
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409

Mortgage

Document Number	0000000448
Date	Jan 5, 2023
Instrument	2023R-000448

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2022
Property Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409
Document Number	0000018006
Map Reference	MB 22 PG 132
Instrument Date	Mar 16, 2022
Instrument	2022R-018006
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409

Mortgage

Document Number	0000018007
Date	Mar 29, 2022
Instrument	2022R-018007

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071961940
Date	Dec 10, 2019
Book Page	7196/1940
Instrument	20191210000710120

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	15 VANGUARD DR, SAINT PETERS, MO 63376-4409
Document Number	0000075754
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15 VANGUARD DR ST PETERS MO 633764409, ST PETERS, MO 63376-4409

Mortgage

Document Number	0000075754
Date	Oct 8, 2020
Instrument	75754

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Peters City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,457 (-)	$255,035 (-) Land $50,000 Building $205,035
2025	$3,302.00 (+5.29%)	$48,457 (+8.18%)	$255,035 (+8.18%) Land $50,000 Building $205,035
2024	$3,136.00
2023		$44,792
2022			$235,748 Land $50,000 Building $185,748

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1996–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 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	Not rated no burnable land within 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	ST PETERS PWS serves 52,575 people · EPA ID MO6010719
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2022–2024) 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 542 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Gateway Fiber, Verizon.

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