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23 James Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 23 James Dr, Saint Charles, MO 63301 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,248 sqft · built 1958
Lot Size0.413 acres (18,000 sqft)
OwnerIndividual Name on File
Last Sale$269,900 (Oct 2023)
Tax Bill$2,853 (2025)
Deeds & MortgagesSep 2025 Mortgage
Mar 2023 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN056170A000

Property Details

APN / Parcel Number

Primary APN056170A000
Alternative APN
  • 6-010A-4265-00-0023.0000000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,248 sqft Living Area
1st Floor Area1,248 sqft
Basement Area1,248 sqft
Finished Basement628 sqft

Exterior

Year BuiltBuilt 1958
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area18,000 sqft
Lot Dimensions180 ft deep x 100 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area132 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number056170A000
Old Parcel Number056170A000
Street Address23 JAMES DR
CitySAINT CHARLES
StateMO
Zip63301-4864
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFERNCLIFF LOT 23
Legal Range04E
Legal Township47N
Legal SubdivisionFERNCLIFF
Legal Lot Number23
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group3
Census Block3008
Census Tract310700

Owner

Source: St. Charles County records · APN 056170A000

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of RecordIndividual Name on File
Mailing Address23 JAMES DR, SAINT CHARLES, MO 63301-4864
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 06, 2023Deed of Trust, Mortgage · Commercial Mortgage
BANK OF OLD MONROE
Oct 03, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
BANK STAR
Feb 03, 2023Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 03, 2023 · Amount on Record
Deed SaleOct 03, 2023 · Amount on Record
Prior SaleFeb 03, 2023 · Amount on Record
Deed Document Number0202340701
Deed Book / Page2023 / 40701
Record UpdatedJun 08, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address23 JAMES DR, SAINT CHARLES, MO 63301-4864
Transaction TypeMortgage
Record UpdatedOct 14, 2025
Title CompanyTITLE PARTNERS AGENCY LLC, TITLE PARTNER AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 JAMES DR, SAINT CHARLES, MO 63301-4864

Mortgage

Document Number0000043023
DateSep 29, 2025
Instrument2025R-043023
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address23 JAMES DR, SAINT CHARLES, MO 63301-4864
Transaction TypeMortgage
Record UpdatedJan 17, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 KEMPER FARM LN, TROY, MO 63379-3849

Mortgage

Document Number0000008198
DateMar 06, 2023
Instrument2023R-008198
Lender
NameBANK OF OLD MONROE
TypeBank
AddressOLD MONROE, MO 63369
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

October 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateOct 03, 2023
Property Address23 JAMES DR, SAINT CHARLES, MO 63301-4864
Document Number0000040701
Map ReferenceMB 5 PG 34
Instrument DateSep 29, 2023
Instrument2023R-040701
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 17, 2024
Title CompanyCONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address20 KEMPER FARM LN, TROY, MO 63379-3849

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 JAMES DR, SAINT CHARLES, MO 63301-4864

Mortgage

Document Number0000040702
DateOct 03, 2023
Instrument2023R-040702
Lender
NameBANK STAR
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

February 2023: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionST CHARLES MO
Recording DateFeb 03, 2023
Property Address23 JAMES DR, SAINT CHARLES, MO 63301-4864
Document Number0000004372
Map ReferenceMB 5 PG 34
Instrument DateJan 04, 2023
Instrument2023R-004372
Transaction TypeForeclosure
Record UpdatedJan 17, 2024

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address23 JAMES DR, SAINT CHARLES, MO 63301-4864

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 KEMPER FARM LN, TROY, MO 63379-3849

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,853.00$45,451 (+5.59%)$239,218 (+5.59%) Land $55,000 Building $184,218
2023$43,044
2022$226,547 Land $40,000 Building $186,547

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 1% of the US · above 2% of Missouri
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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