18 Charles Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 18 Charles Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,418 sqft · built 1953
Lot Size	0.792 acres (34,500 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2017)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`444330A000`

Property Details

APN / Parcel Number

Primary APN	`444330A000`
Alternative APN	`3-0003-4457-00-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
Gross Area	2,430 sqft
1st Floor Area	1,418 sqft
Basement Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,500 sqft (0.792 acres)
Lot Dimensions	345 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	444330A000
Street Address	18 CHARLES DR
City	SAINT CHARLES
State	MO
Zip	63303-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WALNUT GROVE LOT 18
Legal Subdivision	WALNUT GROVE
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2013
Census Tract	311004

Owner

18 Charles Dr is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	18 CHARLES DR, SAINT CHARLES, MO 63303-3802
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	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	2017746870
Deed Book / Page	6847 / 736
Prior Transfer Date	Nov 29, 2017
Prior Transfer Doc	0068470736
Record Updated	Oct 29, 2026

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 4, 2017
Property Address	18 CHARLES DR, SAINT CHARLES, MO 63303-3802
Document Number	0068470736
Book / Page	6847 / 0736
Map Reference	MB 5 PG 72
Instrument Date	Nov 29, 2017
Instrument	20171204000746870
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLATINUM TITLE LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CHARLES DR, SAINT CHARLES, MO 63303-3802

Mortgage

Document Number	20171204000746880
Date	Dec 4, 2017
Instrument	20171204000746880

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18 Charles Dr was $3,055, up 5.1% from the year before.

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		$52,946 (-)	$278,664 (-) Building $278,664
2025	$3,055.00 (+5.09%)	$52,946	$278,664 Building $278,664
2024	$2,907.00
2023		$48,901
2022			$257,372 Building $257,372

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 18 Charles Dr in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.

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	36 (1978–1999)
Claims Outside the SFHA	1 of 36
Most Recent Claim	May 1999 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 11 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 18 Charles 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 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 435 locations within half a mile, as of December 31, 2025

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