2440 Upper Bottom Rd, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2440 Upper Bottom Rd, Saint Charles, MO 63303 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1997
Lot Size	1.32 acres (57,617 sqft)
Owner	Individual Name on File
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Jun 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`432990A001`

Property Details

APN / Parcel Number

Primary APN	`432990A001`
Alternative APN	`3-0118-0023-00-0003.1100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,896 sqft
1st Floor Area	1,600 sqft
Basement Area	1,296 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	57,617 sqft
Porch	Open Porch
Porch Area	464 sqft

Location & Zoning

Account Number	432990A001
Street Address	2440 UPPER BOTTOM RD
City	SAINT CHARLES
State	MO
Zip	63303-6219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SUR 23
Legal Subdivision	US SURV 23
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3001
Census Tract	311145

Owner

Source: St. Charles County records · APN 432990A001

Assessment roll updated August 7, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	2440 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 20, 2025
Transfer Doc	0000025414
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 01, 2026
Property Address	2440 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6219
Document Number	0000025414
Instrument Date	Sep 20, 2025
Instrument	202625414
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6219

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,583 (-)	$260,964 (-) Land $65,000 Building $195,964
2025	$2,956.00 (+5.31%)	$49,583 (+8.5%)	$260,964 (+8.5%) Land $65,000 Building $195,964
2024	$2,807.00
2023		$45,700
2022			$240,524 Land $60,000 Building $180,524

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111453, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	46 (1978–2024)
Claims Outside the SFHA	28 of 46
Most Recent Claim	Jul 2024, rainfall accumulation
Claims By Storm	Flooding, Jun 2011 · 2 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 2 claims Severe Storms & Flooding, Aug 1993 · 13 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 236 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.