24 Charles Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 24 Charles Dr, Saint Charles, MO 63303

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,868 sqft · built 1984
Lot Size	0.314 acres (13,685 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Mar 2025)
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`444510A000`

Property Details

APN / Parcel Number

Primary APN	`444510A000`
Alternative APN	`3-0003-4457-00-0024.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,868 sqft Living Area
Gross Area	3,348 sqft
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,685 sqft (0.314 acres)
Lot Dimensions	119 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	444510A000
Street Address	24 CHARLES DR
City	SAINT CHARLES
State	MO
Zip	63303-3802
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF0
Legal Description	WALNUT GROVE LOT 24
Legal Subdivision	WALNUT GROVE
Legal Lot Number	24
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2012
Census Tract	311004

Owner

24 Charles Dr, a duplex, is owned by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	8 BERKSHIRE DR, SAINT CHARLES, MO 63301-4518
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Nov 9, 2023 · Amount on File
Deed Document Number	202512417
Prior Transfer Date	Nov 8, 2023
Prior Transfer Doc	0000046386
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 9, 2023
Property Address	24 CHARLES DR, SAINT CHARLES, MO 63303-3802
Document Number	0000046387
Map Reference	MB 5 PG 72
Instrument Date	Nov 8, 2023
Instrument	2023R-046387
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29940 COUNTY ROAD 228, WYACONDA, MO 63474-4018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	32 MUIRFIELD HILL CT S, SAINT CHARLES, MO 63304-0406

Mortgage

Document Number	0000046388
Date	Nov 9, 2023
Instrument	2023R-046388

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 24 Charles Dr was $2,568.

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		$42,412 (-)	$223,226 (-) Land $50,000 Building $173,226
2025	$2,568.00	$42,412	$223,226 Land $50,000 Building $173,226
2023		$38,622
2022			$203,274 Land $40,000 Building $163,274

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 24 Charles Dr in Zone X, an area of minimal flood risk, though there have been 36 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	36 (1978–1999)
Claims Outside the SFHA	1 of 36
Most Recent Claim	May 1999 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 11 claims

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 24 Charles 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 98% of the US · lower than 96% 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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20