St. Charles County property record for 2 River Trl, Saint Charles, MO 63303 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,428 sqft · built 1976 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,726 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432810A012 |
| Primary APN | 432810A012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,428 sqft Living Area |
| Gross Area | 4,138 sqft |
| 1st Floor Area | 2,612 sqft |
| Basement Area | 1,016 sqft |
| Finished Basement | 816 sqft |
| Unfinished Basement | 200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Type | Attached |
| Garage Area | 510 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 432810A012 |
|---|---|
| Street Address | 2 RIVER TRL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 23 |
| Legal Subdivision | US SURV 23 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 311145 |
Source: St. Charles County records · APN 432810A012
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 RIVER TRL, SAINT CHARLES, MO 63303-6206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $62,042 (-) | $326,540 (-) Land $65,000 Building $261,540 | |
| 2025 | $3,726.00 | $62,042 (+1.34%) | $326,540 (+1.34%) Land $65,000 Building $261,540 |
| 2023 | $61,220 | ||
| 2022 | $322,211 Land $60,000 Building $262,211 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111453, 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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Low above 3% of the US · above 5% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 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 236 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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