15 Wilbert Dr, Saint Charles, MO 63304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,670 sqft · built 1971
Lot Size	0.178 acres (7,740 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Oct 2017)
Tax Bill	$2,235 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`531660A000`

Property Details

APN / Parcel Number

Primary APN	`531660A000`
Alternative APN	`3-0115-4089-02-0019.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,670 sqft Living Area
Gross Area	2,274 sqft
1st Floor Area	928 sqft
Basement Area	928 sqft
Finished Basement	742 sqft
Unfinished Basement	186 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,740 sqft (0.178 acres)
Lot Dimensions	129 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	531660A000
Street Address	15 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 19
Legal Subdivision	HARVEST AC #2
Legal Block	2
Legal Lot Number	19
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 August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 30, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 19, 2017	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2017 · Amount on Record
Deed Sale	Oct 19, 2017 · Amount on Record
Prior Sale	May 13, 1999 · Amount on Record
Deed Document Number	2017657510
Deed Book / Page	6825 / 1999
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521

Mortgage

Document Number	0000015099
Date	Apr 22, 2024
Instrument	2024R-015099

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	283 Months
Due	Nov 1, 2047

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521

Mortgage

Document Number	0000011769
Date	Mar 30, 2023
Instrument	2023R-011769

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Nov 1, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 19, 2017
Property Address	15 WILBERT DR, SAINT CHARLES, MO 63304-8521
Document Number	0068251999
Book / Page	006825 / 001999
Instrument Date	Oct 13, 2017
Instrument	657510
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	HILLSBORO TITLE COMPANY

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
Address	15 WILBERT DR ST CHARLES MO 633048521, ST CHARLES, MO 63304-8521

Mortgage

Document Number	68252001
Date	Oct 19, 2017
Book Page	006825/002001
Instrument	657520

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

Tax Assessment & Valuation

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		$37,469 (-)	$197,204 (-) Land $40,000 Building $157,204
2025	$2,235.00	$37,469 (+10.98%)	$197,204 (+10.98%) Land $40,000 Building $157,204
2023		$33,761
2022			$177,692 Land $35,000 Building $142,692

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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