2 Seabiscuit Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2 Seabiscuit Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,015 sqft · built 1999
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,850 (Mar 2000)
Tax Bill	$4,561 (2024)
Deeds & Mortgages	Dec 2018 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A985000039`

Property Details

APN / Parcel Number

Primary APN	`A985000039`
Alternative APN	`5-116D-7738-00-0376.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,015 sqft Living Area
Gross Area	4,756 sqft
1st Floor Area	2,015 sqft
Basement Area	1,991 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	105 sqft
Deck Area	Deck Area
Patio Area	471 sqft

Location & Zoning

Account Number	A985000039
Street Address	2 SEABISCUIT DR
City	SAINT CHARLES
State	MO
Zip	63301-3239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #2 LOT 376
Legal Subdivision	STABLE RIDGE MANOR #2
Legal Lot Number	376
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

Owner

Source: St. Charles County records, as of August 7, 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 Record
Mailing Address	2 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Dec 24, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Jul 25, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2000 · Amount on Record
Deed Sale	Mar 10, 2000 · Amount on Record
Deed Document Number	200014294
Deed Book / Page	2370 / 1327
Last Transfer Date	Jul 20, 2017
Transfer Doc	0067801114
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239

Mortgage

Document Number	0070110840
Date	Dec 6, 2018
Book Page	7011/0840
Instrument	20181206000681890

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239
Document Number	0000103343
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SEABISCUIT DR ST CHARLES MO 633013239, ST CHARLES, MO 63301-3239

Mortgage

Document Number	0000103343
Date	Dec 31, 2020
Instrument	103343

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

July 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Jul 25, 2017
Property Address	2 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239
Document Number	0067801114
Book / Page	006780 / 001114
Instrument Date	Jul 20, 2017
Instrument	460970
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SEABISCUIT DR ST CHARLES MO 633013239, ST CHARLES, MO 63301-3239

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,568 (-)	$392,466 (-) Land $75,000 Building $317,466
2025		$74,568 (+9.65%)	$392,466 (+9.65%) Land $75,000 Building $317,466
2024	$4,561.00
2023		$68,004
2022			$357,918 Land $60,000 Building $297,918

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 438 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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