St. Charles County property record for 20 Harbor Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,110 sqft · built 1965 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,000 (Dec 1997) |
| Tax Bill | $17 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 279870A000 |
| Primary APN | 279870A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,110 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 210 sqft |
| Deck Area | Deck Area |
| Patio Area | 981 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 279870A000 |
|---|---|
| Street Address | 20 HARBOR DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE1 |
| Legal Description | HOLIDAY HARBOR RESUB LOT 20 |
| Legal Subdivision | HOLIDAY HARBOR RESUB |
| Legal Lot Number | 20 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311500 |
20 Harbor Dr is owned by two individuals who bought it in December 1997.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 HOLIDAY HBR, SAINT CHARLES, MO 63301-6646 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 1997 · Amount on File |
| Deed Sale | Dec 2, 1997 · Amount on File |
| Deed Document Number | 199768632 |
| Deed Book / Page | 2004 / 1220 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20 Harbor Dr was $17.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $285 (-) | $1,500 (-) Land $1,500 | |
| 2025 | $17.00 | $285 | $1,500 Land $1,500 |
| 2023 | $285 | ||
| 2022 | $1,500 Land $1,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 20 Harbor Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 82 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 1,306 (1978–2022) |
| Claims Outside the SFHA | 57 of 1,306 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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.
Wildfire risk around 20 Harbor Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brown Dog Networks Fixed Wireless | 50 / 10 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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