St. Charles County property record for 249 E Governor Pl, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,912 sqft · built 1997 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $589,999 (Oct 2025) |
| Tax Bill | $6,502 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A965000314 |
| Primary APN | A965000314 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,912 sqft Living Area |
| Gross Area | 5,008 sqft |
| 1st Floor Area | 2,730 sqft |
| Basement Area | 1,774 sqft |
| Finished Basement | 1,182 sqft |
| Unfinished Basement | 592 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | Deck Area |
| Patio Area | 326 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A965000314 |
|---|---|
| Street Address | 249 E GOVERNOR PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PRESIDIO LOT 8 |
| Legal Subdivision | PRESIDIO |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 310602 |
Source: St. Charles County records · APN A965000314
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 22, 2025 | Warranty Deed, Transfer SELECT TITLE GROUP |
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Sep 01, 2021 | Intrafamily Transfer, Transfer |
| Jun 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 22, 2025 · Amount on Record |
| Deed Sale | Oct 22, 2025 · Amount on Record |
| Prior Sale | Jun 15, 2018 · Amount on Record |
| Deed Document Number | 202547262 |
| Prior Transfer Date | Aug 24, 2021 |
| Prior Transfer Doc | 0000073486 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 22, 2025 |
| Property Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Number | 0000047262 |
| Map Reference | MB 33 PG 24-27 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 2025R-047262 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2025 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 MEADOWBROOK COUNTRY CLUB EST, BALLWIN, MO 63011-1696 |
| Name | Verified Name |
|---|---|
| Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Number | 0000078742 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021R-078742 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 01, 2021 |
| Property Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Number | 2021R073486 |
| Map Reference | MB 33 PG 24-27 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 2021R-073486 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 15, 2018 |
| Property Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Number | 0069341639 |
| Book / Page | 6934 / 1639 |
| Map Reference | MB 33 PG 24-27 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 20180615000335850 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Title Company | STELLAR TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 SPEYER PL, 495, SAINT CHARLES, MO 63303-4209 |
| Name | Verified Name |
|---|---|
| Address | 249 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592 |
| Document Number | 20180615000335860 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 20180615000335860 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,869 (-) | $525,627 (-) Land $80,000 Building $445,627 | |
| 2025 | $6,502.00 | $99,869 (+11.84%) | $525,627 (+11.84%) Land $80,000 Building $445,627 |
| 2023 | $89,294 | ||
| 2022 | $469,968 Land $60,000 Building $409,968 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 221 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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