2349 Delaware Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2349 Delaware Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,623 sqft · built 1995
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Jul 2023)
Tax Bill	$5,289 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A883001833`

Property Details

APN / Parcel Number

Primary APN	`A883001833`
Alternative APN	`3-0118-6255-00-0161.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,623 sqft Living Area
Gross Area	4,757 sqft
1st Floor Area	1,369 sqft
Basement Area	1,335 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	799 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883001833
Street Address	2349 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 161
Legal Subdivision	HERITAGE ADDN #3
Legal Lot Number	161
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1001
Census Tract	311146

Owner

2349 Delaware Dr is owned and occupied by two individuals who bought it in July 2023.

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 30, 2021	Warranty Deed, Transfer · Conventional Mortgage HAWTHORN BANK
Jul 27, 2020	Deed of Trust, Mortgage CITIZENS BK NA
Jul 27, 2018	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Nov 30, 2021 · Amount on File
Deed Document Number	202329142
Prior Transfer Date	May 8, 2009
Prior Transfer Doc	0051850236
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944

Mortgage

Document Number	0000052597
Date	Nov 21, 2025
Instrument	2025R-052597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1657 SCHULTE RD, SAINT LOUIS, MO 63146-4867

Mortgage

Document Number	0000029143
Date	Jul 21, 2023
Instrument	2023R-029143

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2021
Property Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Document Number	0000097160
Map Reference	MB 27 PG 40
Instrument Date	Nov 22, 2021
Instrument	2021R-097160
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3727 SUNSET CHASE DR, 3727, SAINT LOUIS, MO 63127-1364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944

Mortgage

Document Number	0000097161
Date	Nov 30, 2021
Instrument	2021R-097161

Lender

Name	HAWTHORN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Document Number	0000077971
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 DELAWARE DR ST CHARLES MO 633032944, ST CHARLES, MO 63303-2944

Mortgage

Document Number	0000077971
Date	Oct 15, 2020
Instrument	77971

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2018
Property Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944
Document Number	0069541014
Book / Page	6954 / 1014
Map Reference	MB 27 PG 40
Instrument Date	Jul 23, 2018
Instrument	20180727000425860
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 DELAWARE DR, SAINT CHARLES, MO 63303-2944

Mortgage

Document Number	20180727000425870
Date	Jul 27, 2018
Instrument	20180727000425870

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2349 Delaware Dr was $5,289, up 11.1% from the year before.

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		$88,259 (-)	$464,524 (-) Land $80,000 Building $384,524
2025	$5,289.00 (+11.09%)	$88,259	$464,524 Land $80,000 Building $384,524
2024	$4,761.00
2023		$77,056
2022			$405,555 Land $70,000 Building $335,555

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

FEMA maps place 2349 Delaware Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 2349 Delaware 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 99.8% 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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