St. Charles County property record for 23 Edward Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,404 sqft · built 1981 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Apr 2014) |
| Tax Bill | $2,169 (2025) |
| Deeds & Mortgages | Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 532320A000 |
| Primary APN | 532320A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 1,872 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 468 sqft |
| Unfinished Basement | 468 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 286 sqft |
| Carport | Carport |
| Carport Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 532320A000 |
|---|---|
| Street Address | 23 EDWARD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HARVEST AC #2 BLK 3 LOT 19 |
| Legal Subdivision | HARVEST AC #2 |
| Legal Block | 3 |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311221 |
23 Edward Dr is owned and occupied by an individual who bought it in April 2014.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 EDWARD DR, SAINT CHARLES, MO 63304-8523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2014 · Amount on File |
| Deed Sale | Apr 21, 2014 · Amount on File |
| Prior Sale | Nov 2, 2004 · Amount on File |
| Deed Document Number | 2014196120 |
| Deed Book / Page | 6177 / 101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 23 EDWARD DR, SAINT CHARLES, MO 63304-8523 |
| Document Number | 0071110291 |
| Instrument Date | Jun 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Address | 23 EDWARD DR ST CHARLES MO 633048523, ST CHARLES, MO 63304-8523 |
| Document Number | 0071110291 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 007111/000291 |
| Instrument | 381050 |
| Name | COMMUNITYAMERICA CU |
|---|---|
| Type | Credit Union |
| Address | LENEXA, KS 66219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 24, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 23 Edward Dr was $2,169.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $36,342 (-) | $191,275 (-) Land $40,000 Building $151,275 | |
| 2025 | $2,169.00 | $36,342 | $191,275 Land $40,000 Building $151,275 |
| 2023 | $31,746 | ||
| 2022 | $167,085 Land $35,000 Building $132,085 |
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.
FEMA maps place 23 Edward Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 28 (1978–2025) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Jun 2025 · river or lake 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.
Wildfire risk around 23 Edward 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) 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 221 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 · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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