St. Charles County property record for 2 James Dr, Saint Charles, MO 63301 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,296 sqft · built 1954 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Sep 2024) |
| Tax Bill | $2,732 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055960A000 |
| Primary APN | 055960A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 960 sqft |
| Year Built | Built 1954 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Lot Area | 15,000 sqft |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Patio Area | 352 sqft |
| Heating System | Forced Air |
|---|---|
| Sewer | Connected |
| Account Number | 055960A000 |
|---|---|
| Old Parcel Number | 055960A000 |
| Street Address | 2 JAMES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FERNCLIFF LOT 2 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | FERNCLIFF |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 310700 |
Source: St. Charles County records · APN 055960A000
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 26, 2024 · Amount on Record |
| Deed Sale | Sep 26, 2024 · Amount on Record |
| Prior Sale | Jul 28, 2008 · Amount on Record |
| Deed Document Number | 0202439519 |
| Deed Book / Page | 1975 / 586 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Title Company | NOT AVAILABLE, RADIAN LENDER SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 2 JAMES DR, SAINT CHARLES, MO 63301-4867 |
| Document Number | 0000018706 |
|---|---|
| Date | Apr 01, 2022 |
| Instrument | 2022R-018706 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | Jan 01, 2042 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,732.00 (+25.96%) | $43,494 (+13.6%) | $228,916 (+13.6%) Land $55,000 Building $173,916 |
| 2023 | $38,288 (+21.81%) | ||
| 2022 | $2,169.00 | $31,432 | $201,517 (+21.81%) Land $40,000 Building $161,517 |
| 2021 | $165,429 Land $40,000 Building $125,429 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833107003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–2022) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2022, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 1% of the US · above 2% of Missouri |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 494 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WH i3B Bidco LLC/WH i3B Topco | Fiber | 8,000 / 8,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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