St. Charles County property record for 1608 Kircher Dr, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,164 sqft · built 1985 |
| Lot Size | 0.01 acres (452 sqft) |
| Owner | Individual Name on File |
| Last Sale | $156,500 (Aug 2025) |
| Tax Bill | $1,970 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002141 |
| Primary APN | A860002141 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,164 sqft Living Area |
| Gross Area | 1,740 sqft |
| 1st Floor Area | 588 sqft |
| Basement Area | 576 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 452 sqft (0.01 acres) |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860002141 |
|---|---|
| Street Address | 1608 KIRCHER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5456 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HEATHERTON CONDO PH3A STG17 BLDG 26 UNIT B & GAR |
| Legal Subdivision | HEATHERTON CONDOS PH3A STG17 |
| Legal Lot Number | B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 311211 |
1608 Kircher Dr, a condominium, is owned and occupied by an individual who bought it in August 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1608 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 8, 2018 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Jun 28, 2018 | Warranty Deed, Transfer QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2025 · Amount on File |
| Deed Sale | Aug 15, 2025 · Amount on File |
| Prior Sale | Jun 28, 2018 · Amount on File |
| Deed Document Number | 202535480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1608 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1608 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Document Number | 2021R036142 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021R-036142 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1608 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068770237 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 6877/0237 |
| Instrument | 20180208000072000 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 5, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 28, 2018 |
| Property Address | 1608 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Document Number | 0069402080 |
| Book / Page | 006940 / 002080 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 362640 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1608 KIRCHER DR ST CHARLES MO 633035456, ST CHARLES, MO 63303-5456 |
| Document Number | 69402082 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 006940/002082 |
| Instrument | 362650 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2048 |
The 2025 property tax bill for 1608 Kircher Dr was $1,970.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $33,950 (-) | $178,684 (-) Building $178,684 | |
| 2025 | $1,970.00 | $33,950 | $178,684 |
| 2023 | $33,392 | ||
| 2022 | $175,750 Building $175,750 |
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.
FEMA maps place 1608 Kircher Dr in Zone X, an area of minimal flood risk, though there have been 12 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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 12 (1979–2015) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 risk around 1608 Kircher 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 99.8% of the US · lower than 99.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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