218 Maple Point Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 218 Maple Point Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,414 sqft · built 1988
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,500 (Dec 2019)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883001969`

Property Details

APN / Parcel Number

Primary APN	`A883001969`
Alternative APN	`3-157C-6264-00-0196.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,650 sqft Living Area
Gross Area	3,214 sqft
1st Floor Area	1,414 sqft
Basement Area	1,400 sqft
Finished Basement	1,236 sqft
Unfinished Basement	164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883001969
Street Address	218 MAPLE POINT DR
City	SAINT CHARLES
State	MO
Zip	63304-4562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALNUT CREEK #2 LOT 196
Legal Subdivision	WALNUT CREEK #2
Legal Lot Number	196
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1006
Census Tract	311114

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	218 MAPLE POINT DR, SAINT CHARLES, MO 63304-4562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Dec 6, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Prior Sale	Feb 6, 2013 · Amount on Record
Deed Document Number	2019703080
Deed Book / Page	7195 / 338
Prior Transfer Date	Mar 19, 1997
Prior Transfer Doc	0000014399
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 22, 2026
Property Address	218 MAPLE POINT DR, SAINT CHARLES, MO 63304-4562
Document Number	0000034370
Instrument Date	Jul 14, 2026
Instrument	202634370
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 MAPLE POINT DR, SAINT CHARLES, MO 63304-4562

Mortgage

Document Number	0000034370,
Date	Jul 22, 2026
Instrument	202634370

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2056

Interest

Rate	6.47%
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 6, 2019
Property Address	218 MAPLE POINT DR, SAINT CHARLES, MO 63304-4562
Document Number	0071950338
Book / Page	7195 / 0338
Map Reference	MB 27 PG 56
Instrument Date	Dec 2, 2019
Instrument	20191206000703080
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORP & AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 MAPLE POINT DR, 218, SAINT CHARLES, MO 63304-4562

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	218 MAPLE POINT DR, SAINT CHARLES, MO 63304-4562

Mortgage

Document Number	20191206000703090
Date	Dec 6, 2019
Instrument	20191206000703090

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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		$59,633 (-)	$313,860 (-) Land $65,000 Building $248,860
2025	$3,541.00	$59,633 (+8.9%)	$313,860 (+8.9%) Land $65,000 Building $248,860
2023		$54,758
2022			$288,202 Land $65,000 Building $223,202

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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