St. Charles County property record for 2 Sandbar Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,284 sqft · built 1987 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,500 (Apr 2013) |
| Tax Bill | $4,510 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860001888 |
| Primary APN | A860001888 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,284 sqft Living Area |
| Gross Area | 3,848 sqft |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 1,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 215 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860001888 |
|---|---|
| Street Address | 2 SANDBAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND EST #2 LOT 72 |
| Legal Subdivision | RIVER BEND EST #2 |
| Legal Lot Number | 72 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311145 |
2 Sandbar Ct is owned and occupied by an individual who bought it in April 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 SANDBAR CT, SAINT CHARLES, MO 63303-6065 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage MIDFIRST BANK |
| Feb 7, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2013 · Amount on File |
| Deed Sale | Apr 3, 2013 · Amount on File |
| Prior Sale | Feb 16, 2005 · Amount on File |
| Deed Document Number | 2013264680 |
| Deed Book / Page | 5990 / 2110 |
| Prior Transfer Date | Dec 31, 1996 |
| Prior Transfer Doc | 0000012496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2 SANDBAR CT, SAINT CHARLES, MO 63303-6065 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2 SANDBAR CT, SAINT CHARLES, MO 63303-6065 |
| Document Number | 0000008668 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026R-008668 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2 SANDBAR CT, SAINT CHARLES, MO 63303-6065 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2 SANDBAR CT, SAINT CHARLES, MO 63303-6065 |
| Document Number | 0000007403 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 2022R-007403 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 2 Sandbar Ct was $4,510.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,187 (-) | $395,722 (-) Land $70,000 Building $325,722 | |
| 2025 | $4,510.00 | $75,187 | $395,722 Land $70,000 Building $325,722 |
| 2023 | $68,127 | ||
| 2022 | $358,564 Land $50,000 Building $308,564 |
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.
FEMA maps place 2 Sandbar Ct in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1978.
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 |
| 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 Event |
|
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.
The area around 2 Sandbar Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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