1809 Highcrest Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1809 Highcrest Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,798 sqft · built 1996
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2020)
Tax Bill	$3,670 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973000620`

Property Details

APN / Parcel Number

Primary APN	`A973000620`
Alternative APN	`3-0116-7509-00-0026.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,798 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	914 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A973000620
Street Address	1809 HIGHCREST DR
City	SAINT CHARLES
State	MO
Zip	63303-5314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF1
Legal Description	SUMMIT AT ST CHAS LOT 26
Legal Subdivision	SUMMIT AT ST CHAS
Legal Lot Number	26
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2006
Census Tract	311001

Owner

1809 Highcrest Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1809 HIGHCREST DR, SAINT CHARLES, MO 63303-5314
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

Date	Document
Sep 4, 2020	Quit Claim Deed, Transfer F&B ACQUISITION
Jun 9, 2017	Grant Deed, Transfer
Jun 9, 2017	Warranty Deed, Transfer FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	Sep 4, 2020 · Amount on File
Deed Document Number	202064963
Prior Transfer Date	Aug 27, 2020
Prior Transfer Doc	0000000063
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 4, 2020
Property Address	1809 HIGHCREST DR, SAINT CHARLES, MO 63303-5314
Document Number	0000064963
Instrument Date	Aug 27, 2020
Instrument	64963
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 HIGHCREST DR ST CHARLES MO 633035314, ST CHARLES, MO 63303-5314

Mortgage

Document Number	64965
Date	Sep 4, 2020
Instrument	64965

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2017
Property Address	1809 HIGHCREST DR, SAINT CHARLES, MO 63303-5314
Document Number	0067560449
Book / Page	006756 / 000449
Transaction Type	Transfer
Record Updated	Aug 3, 2017

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2017
Property Address	1809 HIGHCREST DR, SAINT CHARLES, MO 63303-5314
Document Number	0067570449
Book / Page	006757 / 000449
Instrument Date	Jun 6, 2017
Instrument	354510
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1809 HIGHCREST DR ST CHARLES MO 633035314, ST CHARLES, MO 63303-5314

Mortgage

Document Number	67570451
Date	Jun 9, 2017
Book Page	006757/000451
Instrument	354520

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1809 Highcrest Dr was $3,670, up 5.5% 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		$63,709 (-)	$335,313 (-) Land $75,000 Building $260,313
2025	$3,670.00 (+5.46%)	$63,709	$335,313 Land $75,000 Building $260,313
2024	$3,480.00
2023		$58,655
2022			$308,713 Land $55,000 Building $253,713

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 1809 Highcrest Dr in Zone X, an area of minimal flood risk, though there have been 20 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
Nearby Flood Claims	20 (1979–1993)
Most Recent Claim	Jun 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jun 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

The area around 1809 Highcrest Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 295 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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