23 Chestnut Ridge Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 23 Chestnut Ridge Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 1994
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$95,950 (Apr 2023)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A953000044`

Property Details

APN / Parcel Number

Primary APN	`A953000044`
Alternative APN	`3-0004-7050-00-0141.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	3,650 sqft
1st Floor Area	1,510 sqft
Basement Area	1,450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A953000044
Street Address	23 CHESTNUT RIDGE CT
City	SAINT CHARLES
State	MO
Zip	63303-4473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HACKMANN EST #3 LOT 141
Legal Subdivision	HACKMANN EST #3
Legal Lot Number	141
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1007
Census Tract	312300

Owner

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	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Intrafamily Transfer, Transfer · Line of Credit NEW FRONTIER BANK
Aug 31, 2021	Deed of Trust, Mortgage · Line of Credit NEW FRONTIER BANK
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 3, 2017	Intrafamily Transfer, Transfer · Line of Credit NEW FRONTIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2023 · Amount on Record
Deed Sale	Apr 7, 2023 · Amount on Record
Prior Sale	May 3, 2017 · Amount on Record
Deed Document Number	202313106
Prior Transfer Date	Mar 8, 2023
Prior Transfer Doc	0000013106
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 7, 2023
Property Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473
Document Number	0000013106
Map Reference	MB 31 PG 303
Instrument Date	Mar 8, 2023
Instrument	2023R-013106
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473

Mortgage

Document Number	0000013107
Date	Apr 7, 2023
Instrument	2023R-013107

Lender

Name	NEW FRONTIER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 5, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473

Mortgage

Document Number	2021R073136
Date	Aug 31, 2021
Instrument	2021R-073136

Lender

Name	NEW FRONTIER BANK
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473

Mortgage

Document Number	2021R059925
Date	Jul 16, 2021
Instrument	2021R-059925

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2017
Property Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473
Document Number	0067372230
Book / Page	6737 / 2230
Map Reference	MB 31 PG 303
Instrument Date	Apr 19, 2017
Instrument	20170503000268580
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CHESTNUT RIDGE CT, SAINT CHARLES, MO 63303-4473

Mortgage

Document Number	20170503000268590
Date	May 3, 2017
Instrument	20170503000268590

Lender

Name	NEW FRONTIER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,446 (-)	$323,400 (-) Land $70,000 Building $253,400
2025	$3,541.00 (+2.37%)	$61,446 (+5.41%)	$323,400 (+5.41%) Land $70,000 Building $253,400
2024	$3,459.00
2023		$58,294
2022			$306,810 Land $55,000 Building $251,810

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	21 (1979–2008)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Jun 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 8 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 483 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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