20 Suffolk Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 20 Suffolk Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,386 sqft · built 2000
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Mar 2023)
Tax Bill	$5,061 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A985000112`

Property Details

APN / Parcel Number

Primary APN	`A985000112`
Alternative APN	`5-116D-7739-00-0359.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,386 sqft Living Area
Gross Area	4,334 sqft
1st Floor Area	1,354 sqft
Basement Area	1,332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	216 sqft
Patio Area	288 sqft

Location & Zoning

Account Number	A985000112
Street Address	20 SUFFOLK DR
City	SAINT CHARLES
State	MO
Zip	63301-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #3 LOT 359
Legal Subdivision	STABLE RIDGE MANOR #3
Legal Lot Number	359
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

Owner

20 Suffolk Dr is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 SUFFOLK DR, SAINT CHARLES, MO 63301-3248
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2023 · Amount on File
Deed Sale	Mar 29, 2023 · Amount on File
Prior Sale	Jan 24, 2002 · Amount on File
Deed Document Number	202311494
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2023
Property Address	20 SUFFOLK DR, SAINT CHARLES, MO 63301-3248
Document Number	0000011494
Map Reference	MB 34 PG 111-113
Instrument Date	Mar 24, 2023
Instrument	2023R-011494
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SUFFOLK DR, SAINT CHARLES, MO 63301-3248

Mortgage

Document Number	0000011495
Date	Mar 29, 2023
Instrument	2023R-011495

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 20 Suffolk Dr was $5,061.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,622 (-)	$408,538 (-) Building $408,538
2025	$5,061.00	$77,622	$408,538
2023		$74,190
2022			$390,475 Land $60,000 Building $330,475

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

FEMA maps place 20 Suffolk Dr in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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

Wildfire risk around 20 Suffolk Dr 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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