St. Charles County property record for 198 Carl Dr, West Alton, MO 63386
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,169 sqft · built 1984 |
| Lot Size | 0.503 acres (21,895 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,000 (Oct 2025) |
| Tax Bill | $2,696 (2025) |
| Deeds & Mortgages | Oct 2025 Sale May 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 832740A000 |
| Primary APN | 832740A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,169 sqft Living Area |
| Gross Area | 4,397 sqft |
| 1st Floor Area | 2,169 sqft |
| Basement Area | 1,677 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,895 sqft (0.503 acres) |
| Lot Dimensions | 151 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 832740A000 |
|---|---|
| Street Address | 198 CARL DR |
| City | WEST ALTON |
| State | MO |
| Zip | 63386-1610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | BLUFF VIEW #3 LOT 11 |
| Legal Subdivision | BLUFF VIEW SUB #3 |
| Legal Lot Number | 11 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 310100 |
198 Carl Dr is owned by two individuals who bought it in October 2025.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6150 HIGHWAY H, SAINT CHARLES, MO 63301-6526 |
| 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.
| Date | Document |
|---|---|
| Oct 24, 2025 | Quit Claim Deed, Transfer Quitclaim |
| May 29, 2020 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2025 · Amount on File |
| Deed Sale | Oct 24, 2025 · Amount on File |
| Deed Document Number | 202547641 |
| Prior Transfer Date | Oct 1, 2025 |
| Prior Transfer Doc | 0000047641 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 24, 2025 |
| Property Address | 198 CARL DR, WEST ALTON, MO 63386-1610 |
| Document Number | 0000047641 |
| Map Reference | MB 10 PG 41 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025R-047641 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 198 CARL DR, WEST ALTON, MO 63386-1610 |
| Name | Verified Name |
|---|---|
| Address | 6150 HIGHWAY H, SAINT CHARLES, MO 63301-6526 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 198 CARL DR, WEST ALTON, MO 63386-1610 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073071112 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 7307/1112 |
| Instrument | 20200529000354940 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | EL PASO, TX 79935 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 198 Carl Dr was $2,696, down 0.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | West Alton City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,529 (-70.53%) | $71,207 (-70.53%) Land $12,500 Building $58,707 | |
| 2025 | $2,696.00 (-0.22%) | $45,914 | $241,654 Land $12,500 Building $229,154 |
| 2024 | $2,702.00 | ||
| 2023 | $44,445 | ||
| 2022 | $233,917 Land $12,500 Building $221,417 |
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 198 Carl Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 106 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 106 in force |
| Nearby Flood Claims | 1,201 (1979–2019) |
| Claims Outside the SFHA | 14 of 1,201 |
| Most Recent Claim | Jul 2019 · other causes |
| 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 198 Carl 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: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Wisper ISP Fixed Wireless | 50 / 5 |
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