16 Oak Forest Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 16 Oak Forest Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1961
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,000 (Nov 2015)
Tax Bill	$3,447 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`585120A000`

Property Details

APN / Parcel Number

Primary APN	`585120A000`
Alternative APN	`3-0133-0127-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,761 sqft Living Area
Gross Area	2,870 sqft
1st Floor Area	1,208 sqft
Basement Area	790 sqft
Finished Basement	553 sqft
Unfinished Basement	237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	33,977 sqft (0.78 acres)
Garage Type	Attached
Garage Area	872 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	585120A000
Street Address	16 OAK FOREST DR
City	SAINT CHARLES
State	MO
Zip	63303-6695
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SUR 127 MCDONALS PRTN PT LOT 5-6 OAK FOREST HILLS LOT 16 (NOT RECORDED)
Legal Subdivision	JOHN MCDONALDS
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2006
Census Tract	311148

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 8, 2023	Intrafamily Transfer, Transfer
Mar 14, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2015 · Amount on Record
Deed Sale	Nov 18, 2015 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	2015759180
Deed Book / Page	6451 / 2316
Last Transfer Date	Dec 10, 2022
Transfer Doc	0000008602
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695

Mortgage

Document Number	0000039549
Date	Sep 9, 2025
Instrument	2025R-039549

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695
Transaction Type	Mortgage
Record Updated	Mar 22, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695

Mortgage

Document Number	0000068304
Date	Aug 13, 2021
Instrument	2021R-068304

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2023
Property Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695
Document Number	0000008602
Instrument Date	Dec 10, 2022
Instrument	2023R-008602
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 14, 2019
Property Address	16 OAK FOREST DR, SAINT CHARLES, MO 63303-6695
Document Number	0070461187
Book / Page	007046 / 001187
Instrument Date	Mar 15, 2018
Instrument	113330
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	16 OAK FOREST DR ST CHARLES MO 633036695, ST CHARLES, MO 63303-6695

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		$57,353 (-)	$301,853 (-) Land $91,000 Building $210,853
2025	$3,447.00 (+1.62%)	$57,353 (+4.72%)	$301,853 (+4.72%) Land $91,000 Building $210,853
2024	$3,392.00
2023		$54,767
2022			$288,249 Land $84,000 Building $204,249

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.04% 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 171 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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