St. Charles County property record for 1610 Kircher Dr, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,708 sqft · built 1985 |
| Lot Size | 0.015 acres (652 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,500 (Oct 2000) |
| Tax Bill | $2,457 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002140 |
| Primary APN | A860002140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 704 sqft |
| Basement Area | 704 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 404 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 652 sqft (0.015 acres) |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860002140 |
|---|---|
| Street Address | 1610 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 A & GAR |
| Legal Subdivision | HEATHERTON CONDOS PH3A STG17 |
| Legal Lot Number | A |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 311211 |
Source: St. Charles County records, as of September 25, 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 | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERSHIP CENTER |
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JLB CORP |
| Apr 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2000 · Amount on Record |
| Deed Sale | Oct 5, 2000 · Amount on Record |
| Prior Sale | Jan 28, 2000 · Amount on Record |
| Deed Document Number | 200061318 |
| Deed Book / Page | 2449 / 917 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 14, 2026 |
| Property Address | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Document Number | 0000043843 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202643843 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Title Company | OWNER TITLE AGENCY, GOOD OWNER TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Document Number | 0000043843, |
|---|---|
| Date | Sep 14, 2026 |
| Instrument | 202643843 |
| Name | HOMEOWNERSHIP CENTER |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Document Number | 0000023210 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022R-023210 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1610 KIRCHER DR, SAINT CHARLES, MO 63303-5456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070632312 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 7063/2312 |
| Instrument | 20190424000188930 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 148 Months |
| Due | Aug 18, 2031 |
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 | $42,476 (-) | $223,557 (-) Building $223,557 | |
| 2025 | $2,457.00 | $42,476 (+12.56%) | $223,557 (+12.56%) |
| 2023 | $37,735 | ||
| 2022 | $198,606 Building $198,606 |
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.
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.
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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