2 Valley Rd, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2 Valley Rd, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,240 sqft · built 1953
Lot Size	0.293 acres (12,740 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (May 2021)
Tax Bill	$2,852 (2025)
Deeds & Mortgages	May 2021 Sale Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`428280A000`

Property Details

APN / Parcel Number

Primary APN	`428280A000`
Alternative APN	`3-002C-4426-00-0002.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
Gross Area	3,216 sqft
1st Floor Area	1,832 sqft
Basement Area	1,064 sqft
Finished Basement	408 sqft
Unfinished Basement	656 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,740 sqft (0.293 acres)
Lot Dimensions	182 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	428280A000
Street Address	2 VALLEY RD
City	SAINT CHARLES
State	MO
Zip	63303-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SPRINGDALE PL LOT 2
Legal Subdivision	SPRINGDALE PL
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1003
Census Tract	311004

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Warranty Deed, Transfer
Nov 6, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Apr 5, 2018	Warranty Deed, Transfer PNC BK/NJ
May 2, 2017	Grant Deed, Transfer · Construction Mortgage CONTINENTAL, CONTINENTAL TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	202139750
Prior Transfer Date	Sep 1, 2016
Prior Transfer Doc	0066050054
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 6, 2021
Property Address	2 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	2021R039750
Map Reference	MB 5 PG 38
Instrument Date	May 3, 2021
Instrument	2021R-039750
Transaction Type	Transfer
Record Updated	May 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0071820219
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 VALLEY RD ST CHARLES MO 633034046, ST CHARLES, MO 63303-4046

Mortgage

Document Number	0071820219
Date	Nov 14, 2019
Book Page	007182/000219
Instrument	652910

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 13, 2034

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 5, 2018
Property Address	2 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0069010526
Book / Page	006901 / 000526
Instrument Date	Apr 3, 2018
Instrument	181660
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	CONTINENTAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 VALLEY RD ST CHARLES MO 633034046, ST CHARLES, MO 63303-4046

Mortgage

Document Number	69010528
Date	Apr 5, 2018
Book Page	006901/000528
Instrument	181670

Lender

Name	PNC BK/NJ
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 2, 2017
Property Address	2 VALLEY RD, SAINT CHARLES, MO 63303-4046
Document Number	0067362322
Book / Page	006736 / 002322
Instrument Date	Apr 25, 2017
Instrument	264980
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2025 ZUMBEHL RD #250 ST CHARLES MO 633032723, 250, ST CHARLES, MO 63303-2723

Mortgage

Document Number	67380262
Date	May 2, 2017
Book Page	006738/000262
Instrument	269360

Lender

Address	28011 CLEMENS RD # B, WESTLAKE, OH 44145-1139

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 1, 2018

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		$47,511 (-)	$250,060 (-) Building $250,060
2025	$2,852.00	$47,511 (+6.05%)	$250,060 (+6.05%)
2023		$44,800
2022			$235,789 Building $235,789

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
Nearby Flood Claims	4 (1979–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 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 435 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Brightspeed, Wisper ISP.

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