St. Charles County property record for 2 Bal Harbor Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,038 sqft · built 1987 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,870 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002078 |
| Primary APN | A870002078 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 3,410 sqft |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 212 sqft |
| Deck Area | Deck Area |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002078 |
|---|---|
| Street Address | 2 BAL HARBOR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAL HARBOR LOT 2 |
| Legal Subdivision | BAL HARBOR |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 311122 |
2 Bal Harbor Ct is owned and occupied by two individuals who acquired it in December 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2015 |
| Deed Sale | Dec 21, 2015 |
| Prior Sale | Mar 5, 2002 · Amount on File |
| Deed Document Number | 2015833420 |
| Deed Book / Page | 6467 / 1670 |
| Prior Transfer Date | Dec 17, 2015 |
| Prior Transfer Doc | 0000833420 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2 Bal Harbor Ct was $3,870, up 2.7% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $65,220 (-) | $343,265 (-) Land $70,000 Building $273,265 | |
| 2025 | $3,870.00 (+2.71%) | $65,220 | $343,265 Land $70,000 Building $273,265 |
| 2024 | $3,768.00 | ||
| 2023 | $63,076 (+27.19%) | ||
| 2022 | $3,190.00 | $49,592 | $331,978 (+27.19%) Land $50,000 Building $281,978 |
| 2021 | $261,010 Land $40,000 Building $221,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Bal Harbor Ct in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1981.
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 | 16 (1981–2020) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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 2 Bal Harbor Ct is low, with 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 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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