22 Trailridge Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 22 Trailridge Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,802 sqft · built 1996
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$298,000 (Jan 2019)
Tax Bill	$5,782 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A965000281`

Property Details

APN / Parcel Number

Primary APN	`A965000281`
Alternative APN	`5-116D-7385-00-0185.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,802 sqft Living Area
Gross Area	4,695 sqft
1st Floor Area	2,702 sqft
Basement Area	1,552 sqft
Finished Basement	1,100 sqft
Unfinished Basement	452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	510 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A965000281
Street Address	22 TRAILRIDGE CT
City	SAINT CHARLES
State	MO
Zip	63301-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE EST #3 LOT 185
Legal Subdivision	STABLE RIDGE EST #3
Legal Lot Number	185
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

Owner

22 Trailridge Ct is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
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

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit ENDEAVOR CAPITAL LLC
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
May 11, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jan 17, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Prior Sale	Oct 20, 2006 · Amount on File
Deed Document Number	201926950
Deed Book / Page	7026 / 1831
Prior Transfer Date	Apr 24, 2007
Prior Transfer Doc	0047522263
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2026
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Document Number	0000030128
Instrument Date	Jun 9, 2026
Instrument	202630128
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NAVY FEDERAL TITLE SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231

Mortgage

Document Number	0000030128,
Date	Jun 26, 2026
Instrument	202630128

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231

Mortgage

Document Number	0000018464
Date	Mar 31, 2022
Instrument	2022R-018464

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231

Mortgage

Document Number	0000014245
Date	Mar 10, 2022
Instrument	2022R-014245

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231

Mortgage

Document Number	2021R040913
Date	May 11, 2021
Instrument	2021R-040913

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 31, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073700510
Date	Aug 12, 2020
Book Page	7370/510
Instrument	20200812000579020

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2019
Property Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231
Document Number	0070261831
Book / Page	7026 / 1831
Map Reference	MB 32 PG 392
Instrument Date	Jan 17, 2019
Instrument	20190117000026950
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 TRAILRIDGE CT, 22, SAINT CHARLES, MO 63301-3231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TRAILRIDGE CT, SAINT CHARLES, MO 63301-3231

Mortgage

Document Number	20190117000026960
Date	Jan 17, 2019
Instrument	20190117000026960

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 22 Trailridge Ct was $5,782, up 2.8% from the year before.

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		$88,747 (-)	$467,091 (-) Building $467,091
2025	$5,782.00 (+2.81%)	$88,747	$467,091 Building $467,091
2024	$5,624.00
2023		$83,957
2022			$441,877 Building $441,877

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 22 Trailridge Ct 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 22 Trailridge 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 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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