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20 Gerald Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 20 Gerald Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 912 sqft · built 1963
Lot Size0.33 acres (14,400 sqft)
OwnerCompany Name on Record
Last Sale$225,000 (Nov 2021)
Tax Bill$2,728 (2025)
Deeds & MortgagesNov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN537390A000

Property Details

APN / Parcel Number

Primary APN537390A000
Alternative APN
  • 3-0036-4923-00-0011.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area912 sqft Living Area
1st Floor Area912 sqft
Basement Area912 sqft
Finished Basement684 sqft

Exterior

Year BuiltBuilt 1963
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area14,400 sqft
Lot Dimensions180 ft deep x 80 ft wide
Garage TypeAttached
Garage Area450 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number537390A000
Old Parcel Number537390A000
Street Address20 GERALD DR
CitySAINT CHARLES
StateMO
Zip63304-6938
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionSHADY EST LOT 11
Legal Range04E
Legal Township46N
Legal SubdivisionSHADY EST
Legal Lot Number11
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2001
Census Tract311150

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Co-ownerCo-owner on Record
Mailing Address20 GERALD DR, SAINT CHARLES, MO 63304-6938
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 19, 2021 · Amount on Record
Deed SaleNov 19, 2021 · Amount on Record
Prior SaleJul 5, 2013 · Amount on Record
Deed Document Number0202195191
Deed Book / Page2021 / 95191
Record UpdatedJun 8, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 19, 2021
Property Address20 GERALD DR, SAINT CHARLES, MO 63304-6938
Document Number2021R095191
Map ReferenceMB 8 PG 41
Instrument DateNov 18, 2021
Instrument2021R-095191
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11 ROOSTER RIDGE CT, 11, WINFIELD, MO 63389-3252

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address20 GERALD DR, SAINT CHARLES, MO 63304-6938

Mortgage

Document Number2021R095192
DateNov 19, 2021
Instrument2021R-095192
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,728.00$45,842 (+10.7%)$241,275 (+10.7%)
2023$41,410
2022$217,947 Building $217,947

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

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 RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 377 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: T-Mobile.

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