16 Wheatmill Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 16 Wheatmill Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,125 sqft · built 1992
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,900 (Sep 2017)
Tax Bill	$5,084 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A903000659`

Property Details

APN / Parcel Number

Primary APN	`A903000659`
Alternative APN	`3-0004-6608-00-0076.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,125 sqft Living Area
1st Floor Area	2,125 sqft
Basement Area	2,066 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A903000659
Old Parcel Number	A903000659
Street Address	16 WHEATMILL CT
City	SAINT CHARLES
State	MO
Zip	63303-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIEKAMP HOMESTEAD #4 LOT 76
Legal Range	04E
Legal Township	46N
Legal Subdivision	DIEKAMP HOMESTEAD #4
Legal Lot Number	76
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1015
Census Tract	312300

Owner

Source: St. Charles County records, as of March 16, 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	2 Individual Names on Record
Mailing Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK OF ST LOUIS
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Oct 22, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 6, 2017	Warranty Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Deed Document Number	0068021867
Deed Book / Page	6802 / 1867
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301

Mortgage

Document Number	2021R057734
Date	Jul 9, 2021
Instrument	2021R-057734

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301

Mortgage

Document Number	2021R055250
Date	Jun 30, 2021
Instrument	2021R-055250

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071661747
Date	Oct 22, 2019
Book Page	7166/1747
Instrument	20191022000593480

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 22, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 6, 2017
Property Address	16 WHEATMILL CT, SAINT CHARLES, MO 63303-4301
Document Number	0068021867
Book / Page	006802 / 001867
Instrument Date	Aug 31, 2017
Instrument	560660
Transaction Type	Transfer
Record Updated	Oct 12, 2017
Title Company	SELECT TITLE GROUP

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
Relationship	Husband and Wife
Address	16 WHEATMILL CT ST CHARLES MO 633034301, ST CHARLES, MO 63303-4301

Mortgage

Document Number	68021869
Date	Sep 6, 2017
Book Page	006802/001869
Instrument	560670

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,084.00	$88,473 (+9.6%)	$465,647 (+9.6%) Land $75,000 Building $390,647
2023		$80,727
2022			$424,879 Land $55,000 Building $369,879

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 Claims	21 (1979–2008)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Jun 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 8 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 98% of the US · lower than 96% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 483 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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