St. Charles County property record for 20 Ridge Mount Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,038 sqft · built 1989 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,582 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Jul 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | A883001520 |
| Primary APN | A883001520 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,038 sqft Living Area |
| Gross Area | 4,692 sqft |
| 1st Floor Area | 2,380 sqft |
| Basement Area | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 1,016 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883001520 |
|---|---|
| Street Address | 20 RIDGE MOUNT CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOX PT #2 LOT 82 |
| Legal Subdivision | FOX PT #2 |
| Legal Lot Number | 82 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 311146 |
20 Ridge Mount Ct is owned and occupied by an individual who acquired it in July 2026.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 RIDGE MOUNT CT, SAINT CHARLES, MO 63303-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 17, 2026 | Special Warranty Deed, Transfer FREEDOM TITLE |
| Jul 27, 2026 | Deed of Trust, Mortgage · Construction Mortgage MORTGAGE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2026 |
| Deed Sale | Jul 17, 2026 |
| Prior Sale | Oct 14, 2025 · Amount on File |
| Deed Document Number | 202633847 |
| Prior Transfer Date | Apr 27, 2010 |
| Prior Transfer Doc | 0000266450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 17, 2026 |
| Property Address | 20 RIDGE MOUNT CT, SAINT CHARLES, MO 63303-1708 |
| Document Number | 0000033847 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202633847 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 RIDGE MOUNT CT, SAINT CHARLES, MO 63303-1708 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 27, 2026 |
| Property Address | 20 RIDGE MOUNT CT, SAINT CHARLES, MO 63303-1708 |
| Document Number | 0000035169 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202635169 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000035169, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202635169 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 20 Ridge Mount Ct was $4,582, up 10.5% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,400 (-) | $402,104 (-) Land $75,000 Building $327,104 | |
| 2025 | $4,582.00 (+10.54%) | $76,400 | $402,104 Land $75,000 Building $327,104 |
| 2024 | $4,145.00 | ||
| 2023 | $67,034 (+19.22%) | ||
| 2022 | $3,750.00 | $56,228 | $352,810 (+19.22%) Land $55,000 Building $297,810 |
| 2021 | $295,938 Land $55,000 Building $240,938 |
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.
FEMA maps place 20 Ridge Mount Ct in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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 risk around 20 Ridge Mount Ct is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 212 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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