2 Ramona Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 2 Ramona Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,902 sqft · built 1978
Lot Size	0.208 acres (9,072 sqft)
Owner	Company Name on File
Last Sale	$150,800 (Jun 2014)
Tax Bill	$3,020 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`523620B019`

Property Details

APN / Parcel Number

Primary APN	`523620B019`
Alternative APN	`3-0016-5222-00-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,902 sqft Living Area
Gross Area	2,374 sqft
1st Floor Area	1,060 sqft
Basement Area	936 sqft
Finished Basement	842 sqft
Unfinished Basement	94 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,072 sqft (0.208 acres)
Lot Dimensions	144 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	172 sqft
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	523620B019
Street Address	2 RAMONA CT
City	SAINT CHARLES
State	MO
Zip	63304-6922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SOUTHGATE #1 LOT 10
Legal Subdivision	SOUTHGATE #1
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2024
Census Tract	311149

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	2 RAMONA CT, SAINT CHARLES, MO 63304-6922
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2014 · Amount on File
Deed Sale	Jun 26, 2014 · Amount on File
Prior Sale	Jun 10, 2009 · Amount on File
Deed Document Number	2014333830
Deed Book / Page	6205 / 1669
Last Transfer Date	Jul 17, 2014
Transfer Doc	0062151732
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 RAMONA CT, SAINT CHARLES, MO 63304-6922
Document Number	0000083612
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2 RAMONA CT ST CHARLES MO 633046922, ST CHARLES, MO 63304-6922

Mortgage

Document Number	0000083612
Date	Nov 2, 2020
Instrument	83612

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

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		$47,999 (-)	$252,627 (-) Land $50,000 Building $202,627
2025		$47,999 (-4.9%)	$252,627 (-4.9%) Land $50,000 Building $202,627
2024	$3,020.00
2023		$50,473
2022			$265,648 Building $265,648

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20