191 Crestfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 191 Crestfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,954 sqft · built 2023
Lot Size	0.215 acres (9,348 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2025)
Tax Bill	$6,680 (2025)
Deeds & Mortgages	Oct 2026 Sale Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T230500132`

Property Details

APN / Parcel Number

Primary APN	`T230500132`
Alternative APN	`5-116B-D247-00-0045.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,954 sqft Living Area
Gross Area	2,794 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,348 sqft (0.215 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T230500132
Street Address	191 CRESTFIELD CT
City	SAINT CHARLES
State	MO
Zip	63301-4934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE MEADOWS LOT 45
Legal Subdivision	CHARLESTOWNE MEADOWS
Legal Lot Number	45
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2001
Census Tract	310201

Owner

191 Crestfield Ct is owned and occupied by two individuals who bought it in September 2025.

Source: St. Charles County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Oct 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 12, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 1, 2023	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on File
Deed Sale	Sep 12, 2025 · Amount on File
Prior Sale	Nov 1, 2023 · Amount on File
Deed Document Number	202540163
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2026
Property Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934
Document Number	0000048784
Instrument Date	Oct 9, 2026
Instrument	202648784
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	3025 N HIGHWAY 94, SAINT CHARLES, MO 63301-0243

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 12, 2025
Property Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934
Document Number	0000040163
Map Reference	DOC 2022R-032801
Instrument Date	Sep 9, 2025
Instrument	2025R-040163
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4077 BROAD PORCH RUN, LAND O LAKES, FL 34638-3553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934

Mortgage

Document Number	0000040164
Date	Sep 12, 2025
Instrument	2025R-040164

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Change Frequency	6 Months
Index	SOFR Average 30-Day
Margin	3

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2023
Property Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934
Document Number	0000044997
Map Reference	DOC 2022R-032801
Instrument Date	Oct 30, 2023
Instrument	2023R-044997
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CRESTFIELD CT, SAINT CHARLES, MO 63301-4934

Mortgage

Document Number	0000044998
Date	Nov 1, 2023
Instrument	2023R-044998

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 191 Crestfield Ct was $6,680.

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,996 (-)	$426,291 (-) Land $61,050 Building $365,241
2025	$6,680.00	$80,996	$426,291 Land $61,050 Building $365,241
2023		$10,450	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 191 Crestfield Ct in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2021.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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 191 Crestfield Ct 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 438 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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