St. Charles County property record for 232 Ella Rose Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,096 sqft · built 2025 |
| Lot Size | 1.74 acres (75,895 sqft) |
| Owner | Company Name on File |
| Last Sale | $255,500 (May 2024) |
| Tax Bill | $2,014 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T241200016 |
| Primary APN | T241200016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,096 sqft Living Area |
| Gross Area | 5,302 sqft |
| Basement Area | 2,206 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Bi-Level |
| Lot Area | 75,895 sqft |
| Account Number | T241200016 |
|---|---|
| Street Address | 232 ELLA ROSE LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MISSOURI BLUFFS #1B LOT A16 |
| Legal Subdivision | MISSOURI BLUFFS #1B |
| Legal Lot Number | A16 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311103 |
232 Ella Rose Ln is owned by a company that bought it in May 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 51 VALENTINE FARM LN, WELDON SPRING, MO 63304-0517 |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 | May 10, 2024 · Amount on File |
| Deed Sale | May 10, 2024 · Amount on File |
| Deed Document Number | 202418094 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 3, 2026 |
| Property Address | 232 ELLA ROSE LN, SAINT CHARLES, MO 63304-5670 |
| Document Number | 0000026054 |
| Instrument Date | May 28, 2026 |
| Instrument | 202626054 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 232 ELLA ROSE LN, SAINT CHARLES, MO 63304-5670 |
| Investor | Possibly a Property Investor |
| Document Number | 0000026054, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202626054 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 232 Ella Rose Ln was $2,014.
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 | $34,200 (-) | $180,000 (-) Land $180,000 | |
| 2025 | $2,014.00 | $34,200 | $180,000 Land $180,000 |
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 232 Ella Rose Ln in Zone X, an area of moderate flood risk, though there have been 166 flood claims nearby since 1978.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 166 (1978–2013) |
| Claims Outside the SFHA | 3 of 166 |
| Most Recent Claim | Jun 2013 · Severe Storms, Straight-line Winds, Tornadoes, And 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 232 Ella Rose Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 60% of Missouri |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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