St. Charles County property record for 2 Wray Dr, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,318 sqft · built 1985 |
| Lot Size | 1.94 acres (84,506 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $200,000 (Apr 2009) |
| Tax Bill | $5,185 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 521945B001 |
| Primary APN | 521945B001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,318 sqft Living Area |
| Gross Area | 4,980 sqft |
| 1st Floor Area | 2,066 sqft |
| Basement Area | 2,050 sqft |
| Finished Basement | 1,252 sqft |
| Unfinished Basement | 798 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 84,506 sqft (1.94 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 521945B001 |
|---|---|
| Street Address | 2 WRAY DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 285 |
| Legal Subdivision | US SURV 285 |
| Legal Lot Number | 14 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311221 |
Source: St. Charles County records · APN 521945B001
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2 WRAY DR, SAINT CHARLES, MO 63304-8585 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2009 · Amount on Record |
| Deed Sale | Apr 27, 2009 · Amount on Record |
| Prior Sale | Jul 14, 2006 · Amount on Record |
| Deed Document Number | 2009319330 |
| Deed Book / Page | 5170 / 281 |
| Prior Transfer Date | Apr 16, 2009 |
| Prior Transfer Doc | 0051700281 |
| Record Updated | Jun 08, 2026 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,185.00 (+5.3%) | $87,542 (+6.01%) | $460,745 (+6.01%) Land $61,110 Building $399,635 |
| 2024 | $4,924.00 | ||
| 2023 | $82,577 | ||
| 2022 | $434,618 Land $52,380 Building $382,238 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112211, 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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 28 (1978–2025) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Jun 2025, river or lake flooding |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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 256 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WH i3B Bidco LLC/WH i3B Topco | Fiber | 8,000 / 8,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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