St. Charles County property record for 20 Vanguard Dr, Saint Peters, MO 63376
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1983 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Nov 2024) |
| Tax Bill | $3,042 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 427845C370 |
| Primary APN | 427845C370 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 3,126 sqft |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,332 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 427845C370 |
|---|---|
| Street Address | 20 VANGUARD DR |
| City | SAINT PETERS |
| State | MO |
| Zip | 63376-4408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | CRESCENT HILLS #5 LOT 159 |
| Legal Subdivision | CRESCENT HILLS #5 |
| Legal Lot Number | 159 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | SPENCER CREEK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 311294 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 VANGUARD DR, SAINT PETERS, MO 63376-4408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF STATE PETERS |
| Dec 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2024 · Amount on Record |
| Deed Sale | Nov 26, 2024 · Amount on Record |
| Prior Sale | Nov 21, 2024 · Amount on Record |
| Deed Document Number | 202449584 |
| Prior Transfer Date | Nov 14, 2024 |
| Prior Transfer Doc | 0000049584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 24, 2026 |
| Property Address | 20 VANGUARD DR, SAINT PETERS, MO 63376-4408 |
| Document Number | 0000029589 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202629589 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 20 VANGUARD DR, SAINT PETERS, MO 63376-4408 |
| Document Number | 0000029589, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 202629589 |
| Name | CITY OF STATE PETERS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 20 VANGUARD DR, SAINT PETERS, MO 63376-4408 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 20 VANGUARD DR, COTTLEVILLE, MO 63376-4408 |
| Document Number | 0000055811 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 2025R-055811 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Peters City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $44,601 (-) | $234,743 (-) Land $50,000 Building $184,743 | |
| 2025 | $3,042.00 | $44,601 (-5.4%) | $234,743 (-5.4%) Land $50,000 Building $184,743 |
| 2023 | $47,148 | ||
| 2022 | $248,147 Land $50,000 Building $198,147 |
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.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1996–2022) |
| Claims Outside the SFHA | 2 of 6 |
| 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.
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 | ST PETERS PWS serves 52,575 people · EPA ID MO6010719 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Mar 2023 |
| Lead | Under 1 ppb (2022–2024) 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 542 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Gateway Fiber, Verizon.
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