2 Hobbs Mill, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2 Hobbs Mill, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,496 sqft · built 1976
Lot Size	0.287 acres (12,480 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (May 2003)
Tax Bill	$3,563 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`428200A037`

Property Details

APN / Parcel Number

Primary APN	`428200A037`
Alternative APN	`3-0118-5093-00-0038.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	3,456 sqft
1st Floor Area	1,360 sqft
Basement Area	1,080 sqft
Finished Basement	560 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,480 sqft (0.287 acres)
Lot Dimensions	160 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	428200A037
Street Address	2 HOBBS ML
City	SAINT CHARLES
State	MO
Zip	63303-6149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	HERITAGE #1 LOT 38
Legal Subdivision	HERITAGE
Legal Lot Number	38
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2009
Census Tract	311146

Owner

2 Hobbs Mill is owned and occupied by two individuals who acquired it in March 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 HOBBS ML, SAINT CHARLES, MO 63303-6149
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2003 · Amount on File
Deed Sale	May 16, 2003 · Amount on File
Prior Sale	Oct 24, 2000 · Amount on File
Deed Document Number	200368964
Deed Book / Page	3410 / 1219
Last Transfer Date	Mar 22, 2013
Transfer Doc	0059870959
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 HOBBS ML, SAINT CHARLES, MO 63303-6149
Document Number	0000071393
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 HOBBS ML ST CHARLES MO 633036149, ST CHARLES, MO 63303-6149

Mortgage

Document Number	0000071393
Date	Sep 24, 2020
Instrument	71393

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2 Hobbs Mill was $3,563.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,297 (-)	$312,092 (-) Land $72,000 Building $240,092
2025	$3,563.00	$59,297	$312,092 Land $72,000 Building $240,092
2023		$58,988
2022			$310,464 Land $63,000 Building $247,464

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 Hobbs Mill in Zone X, an area of minimal flood risk, though there have been 19 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	19 (1979–2013)
Most Recent Claim	Apr 2013 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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 Hobbs Mill 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.

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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20