2345 Delaware Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2345 Delaware Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,173 sqft · built 1997
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Last Sale	$293,800 (Aug 2021)
Tax Bill	$5,550 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883001834`

Property Details

APN / Parcel Number

Primary APN	`A883001834`
Alternative APN	`3-0118-6255-00-0162.0000000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,173 sqft Living Area
Gross Area	5,365 sqft
1st Floor Area	1,751 sqft
Basement Area	1,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	Deck Area
Patio Area	170 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883001834
Street Address	2345 DELAWARE DR
City	SAINT CHARLES
State	MO
Zip	63303-2944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE ADDN #3 LOT 162
Legal Subdivision	HERITAGE ADDN #3
Legal Lot Number	162
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1001
Census Tract	311146

Owner

Source: St. Charles County records, as of September 11, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2345 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Jun 11, 2015 · Amount on Record
Deed Document Number	202169920
Prior Transfer Date	Feb 1, 2021
Prior Transfer Doc	0000069920
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2345 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 DELAWARE DR, SAINT CHARLES, MO 63303-2944

Mortgage

Document Number	0000045024
Date	Oct 9, 2025
Instrument	2025R-045024

Lender

Name	US BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2021
Property Address	2345 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Document Number	0000069920
Map Reference	MB 27 PG 40&41
Instrument Date	Feb 1, 2021
Instrument	2021R-069920
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2345 DELAWARE DR, SAINT CHARLES, MO 63303-2944

Mortgage

Document Number	0000069921
Date	Aug 19, 2021
Instrument	2021R-069921

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,634 (-)	$487,547 (-) Land $80,000 Building $407,547
2025	$5,550.00	$92,634 (+9.39%)	$487,547 (+9.39%) Land $80,000 Building $407,547
2023		$84,679
2022			$445,681 Land $70,000 Building $375,681

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

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	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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 99.8% of the US · lower than 99.6% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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