20 Terry Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 20 Terry Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,920 sqft · built 1957
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (Nov 2004)
Tax Bill	$4,229 (2025)
Deeds & Mortgages	Aug 2022 Transfer Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`455790A000`

Property Details

APN / Parcel Number

Primary APN	`455790A000`
Alternative APN	`3-002C-4208-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,920 sqft Living Area
Gross Area	3,208 sqft
1st Floor Area	1,880 sqft
Basement Area	1,328 sqft
Finished Basement	1,040 sqft
Unfinished Basement	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	267 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	455790A000
Street Address	20 TERRY DR
City	SAINT CHARLES
State	MO
Zip	63303-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BELLEVUE TERR LOT 20
Legal Subdivision	BELLVUE TERR
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4023
Census Tract	311004

Owner

20 Terry Dr is owned and occupied by an individual who acquired it in July 2022.

Source: St. Charles County records, as of September 10, 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 Record	Individual Name on File
Mailing Address	20 TERRY DR, SAINT CHARLES, MO 63303-3904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Intrafamily Transfer, Transfer
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2004 · Amount on File
Deed Sale	Nov 12, 2004 · Amount on File
Prior Sale	Feb 19, 2003 · Amount on File
Deed Document Number	20041083660
Deed Book / Page	4026 / 1388
Last Transfer Date	Jul 8, 2022
Transfer Doc	0000043543
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 5, 2022
Property Address	20 TERRY DR, SAINT CHARLES, MO 63303-3904
Document Number	0000043543
Map Reference	MB 5 PG 55
Instrument Date	Jul 8, 2022
Instrument	2022R-043543
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 HOLIDAY AVE, 518, HAZELWOOD, MO 63042-1803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TERRY DR, SAINT CHARLES, MO 63303-3904

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 TERRY DR, SAINT CHARLES, MO 63303-3904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072331430
Date	Feb 20, 2020
Book Page	7233/1430
Instrument	20200220000102440

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 20 Terry Dr was $4,229.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,616 (-)	$371,662 (-) Land $40,000 Building $331,662
2025	$4,229.00	$70,616	$371,662 Land $40,000 Building $331,662
2023		$65,489
2022			$344,678 Building $344,678

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 Terry Dr 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	1 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

Wildfire risk around 20 Terry 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 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.

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 435 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Brightspeed, Wisper ISP.

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