St. Charles County property record for 17 Rydal Pl, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,660 sqft · built 2020 |
| Lot Size | 0.111 acres (4,835 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,709 (Dec 2020) |
| Tax Bill | $3,481 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T210800011 |
| Primary APN | T210800011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,660 sqft Living Area |
| Gross Area | 2,356 sqft |
| 1st Floor Area | 964 sqft |
| Basement Area | 696 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 4,835 sqft (0.111 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T210800011 |
|---|---|
| Street Address | 17 RYDAL PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTCLAIR CROSSING #2 LOT 30 |
| Legal Subdivision | MONTCLAIR CROSSING #2 |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 311004 |
Source: St. Charles County records, as of August 17, 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 | 17 RYDAL PL, SAINT CHARLES, MO 63303-4246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Dec 11, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on Record |
| Deed Sale | Dec 11, 2020 · Amount on Record |
| Deed Document Number | 202097525 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 5, 2026 |
| Property Address | 17 RYDAL PL, SAINT CHARLES, MO 63303-4246 |
| Document Number | 0000037222 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202637222 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 17 RYDAL PL, SAINT CHARLES, MO 63303-4246 |
| Document Number | 0000037222, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202637222 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Jun 3, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 11, 2020 |
| Property Address | 17 RYDAL PL, SAINT CHARLES, MO 63303-4246 |
| Document Number | 0000097525 |
| Map Reference | MB 51 PG 104 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 2020R-097525 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | ARC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 17 RYDAL PL, SAINT CHARLES, MO 63303-4246 |
| Document Number | 0000097527 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 2020R-097527 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $60,394 (-) | $317,862 (-) Land $45,000 Building $272,862 | |
| 2025 | $3,481.00 | $60,394 (+6.38%) | $317,862 (+6.38%) Land $45,000 Building $272,862 |
| 2023 | $56,770 | ||
| 2022 | $298,788 Land $45,000 Building $253,788 |
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 | 49 (1979–1995) |
| Claims Outside the SFHA | 4 of 49 |
| Most Recent Claim | Jun 1995 · river or lake flooding |
| Claims by Event |
|
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 658 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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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