St. Charles County property record for 1862 Highcrest Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,454 sqft · built 1996 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Trust Name on File |
| Last Sale | $258,974 (Jul 2024) |
| Tax Bill | $3,444 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A973000670 |
| Primary APN | A973000670 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,454 sqft Living Area |
| Gross Area | 3,245 sqft |
| 1st Floor Area | 1,454 sqft |
| Basement Area | 1,384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 407 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A973000670 |
|---|---|
| Street Address | 1862 HIGHCREST DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF1 |
| Legal Description | SUMMIT AT ST CHAS LOT 76 |
| Legal Subdivision | SUMMIT AT ST CHAS |
| Legal Lot Number | 76 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 311001 |
1862 Highcrest Dr is owner-occupied and held in a trust since July 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CREDIT UNION |
| Sep 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Apr 22, 2021 | Beneficiary Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2024 · Amount on File |
| Deed Sale | Jul 15, 2024 · Amount on File |
| Deed Document Number | 202427683 |
| Prior Transfer Date | Jul 3, 2024 |
| Prior Transfer Doc | 0000027683 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 12, 2026 |
| Property Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
| Document Number | 0000027597 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 202627597 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
| Document Number | 0000027597, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202627597 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.72% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000049402 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 2022R-049402 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 22, 2021 |
| Property Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
| Document Number | 0000035400 |
| Map Reference | MB 33 PG 180 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 2021R-035400 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1862 HIGHCREST DR, SAINT CHARLES, MO 63303-5313 |
The 2025 property tax bill for 1862 Highcrest Dr was $3,444.
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 | $59,753 (-) | $314,490 (-) Land $75,000 Building $239,490 | |
| 2025 | $3,444.00 | $59,753 | $314,490 Land $75,000 Building $239,490 |
| 2023 | $55,200 (+20.56%) | ||
| 2022 | $2,922.00 | $45,788 | $290,528 (+20.56%) Land $55,000 Building $235,528 |
| 2021 | $240,987 Land $45,000 Building $195,987 |
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.
FEMA maps place 1862 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 |
|
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 risk around 1862 Highcrest 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.
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 390 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Wisper ISP.
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