2 Elm Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 2 Elm Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,770 sqft · built 1969
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Mar 2021)
Tax Bill	$2,492 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`380280A000`

Property Details

APN / Parcel Number

Primary APN	`380280A000`
Alternative APN	`2-055D-4186-00-0209.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	570 sqft
Unfinished Basement	630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	100 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	156 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	380280A000
Street Address	2 ELM DR
City	SAINT PETERS
State	MO
Zip	63376-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ST PETERS EST #4 LOT 209
Legal Subdivision	ST PETERS EST #4 RESUB PT #3
Legal Lot Number	209
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3023
Census Tract	312400

Owner

2 Elm Dr is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 ELM DR, SAINT PETERS, MO 63376-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 8, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK OF ST CHARLES MO
Mar 8, 2021	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Aug 6, 2004 · Amount on File
Deed Document Number	202120332
Prior Transfer Date	Nov 20, 2020
Prior Transfer Doc	0000020331
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2021
Property Address	2 ELM DR, SAINT PETERS, MO 63376-1434
Document Number	2021R020332
Map Reference	MB 11 PG 25
Instrument Date	Feb 25, 2021
Instrument	2021R-020332
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 ELM DR, 2, SAINT PETERS, MO 63376-1434

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 ELM DR, SAINT PETERS, MO 63376-1434

Mortgage

Document Number	2021R020333
Date	Mar 8, 2021
Instrument	2021R-020333

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2021
Property Address	2 ELM DR, SAINT PETERS, MO 63376-1434
Document Number	2021R020331
Map Reference	MB 11 PG 25
Instrument Date	Nov 20, 2020
Instrument	2021R-020331
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ELM DR, SAINT PETERS, MO 63376-1434

Tax Assessment & Valuation

The 2025 property tax bill for 2 Elm Dr was $2,492, up 7.6% 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
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,336 (-)	$212,295 (-) Land $40,000 Building $172,295
2025	$2,492.00 (+7.6%)	$40,336	$212,295 Land $40,000 Building $172,295
2024	$2,316.00
2023		$36,405
2022			$191,608 Land $40,000 Building $151,608

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 2 Elm Dr in Zone X, an area of minimal flood risk, though there have been 63 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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	63 (1979–2022)
Claims Outside the SFHA	5 of 63
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 13 claims Severe Storms & Flooding, Sep 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

Wildfire risk around 2 Elm 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, Wisper ISP.

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