1745 Sun Drop Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1745 Sun Drop Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,381 sqft · built 1988
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Mar 2022)
Tax Bill	$3,001 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003191`

Property Details

APN / Parcel Number

Primary APN	`A870003191`
Alternative APN	`3-0003-6129-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,381 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	1,323 sqft
Basement Area	1,323 sqft
Finished Basement	1,058 sqft
Unfinished Basement	265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870003191
Street Address	1745 SUN DROP DR
City	SAINT CHARLES
State	MO
Zip	63303-4610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWPARK #4 LOT 100
Legal Subdivision	MEADOWPARK #4 RESUB
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1000
Census Tract	310902

Owner

1745 Sun Drop Dr is owned and occupied by an individual who bought it in March 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	1745 SUN DROP DR, SAINT CHARLES, MO 63303-4610
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Jun 7, 2017 · Amount on File
Deed Document Number	202215148
Prior Transfer Date	Feb 23, 2007
Prior Transfer Doc	0000154920
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2022
Property Address	1745 SUN DROP DR, SAINT CHARLES, MO 63303-4610
Document Number	0000015148
Map Reference	MB 26 PG 50
Instrument Date	Mar 10, 2022
Instrument	2022R-015148
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6638 COTTONWOOD TREE DR, COLORADO SPRINGS, CO 80927-4061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1745 SUN DROP DR, SAINT CHARLES, MO 63303-4610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015149
Date	Mar 15, 2022
Instrument	2022R-015149

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	5%
Index	Other
Margin	3
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 1745 Sun Drop Dr was $3,001.

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

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
2026		$51,993 (-)	$273,650 (-) Land $50,000 Building $223,650
2025	$3,001.00	$51,993	$273,650 Land $50,000 Building $223,650
2023		$50,957 (+20.2%)
2022	$2,707.00	$42,394	$268,196 (+20.2%) Land $50,000 Building $218,196
2021			$223,127

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

FEMA maps place 1745 Sun Drop Dr in Zone X, an area of minimal flood risk, though there have been 11 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	4 in force
Nearby Flood Claims	11 (1979–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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

Wildfire risk around 1745 Sun Drop 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.

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 616 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20