2532 Chartom Mar Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2532 Chartom Mar Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1960
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$273,000 (Nov 2025)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042520A000`

Property Details

APN / Parcel Number

Primary APN	`042520A000`
Alternative APN	`6-010D-4061-05-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,809 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	100 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	289 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	383 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	042520A000
Street Address	2532 CHARTOM MAR DR
City	SAINT CHARLES
State	MO
Zip	63301-2562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CHARWOOD #2 BLK 5 LOT 20
Legal Subdivision	CHARWOOD #2
Legal Block	5
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1003
Census Tract	310700

Owner

2532 Chartom Mar Dr is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Nov 19, 2025	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on File
Deed Sale	Nov 19, 2025 · Amount on File
Prior Sale	Nov 10, 2021 · Amount on File
Deed Document Number	202552208
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562

Mortgage

Document Number	0000042036
Date	Sep 23, 2025
Instrument	2025R-042036

Lender

Name	CADENCE BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63122

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2025
Property Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562
Document Number	0000052208
Map Reference	MB 7 PG 10
Instrument Date	Nov 17, 2025
Instrument	2025R-052208
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 ENGLAND CIR, O FALLON, MO 63366-1175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562

Mortgage

Document Number	0000052209
Date	Nov 19, 2025
Instrument	2025R-052209

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 10, 2021
Property Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562
Document Number	2021R092795
Map Reference	MB 7 PG 10
Instrument Date	Nov 5, 2021
Instrument	2021R-092795
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2532 CHARTOM MAR DR, 2532, SAINT CHARLES, MO 63301-2562

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2532 CHARTOM MAR DR, SAINT CHARLES, MO 63301-2562

Mortgage

Document Number	2021R092796
Date	Nov 10, 2021
Instrument	2021R-092796

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2532 Chartom Mar Dr was $2,676.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,600 (-)	$224,209 (-) Land $45,000 Building $179,209
2025	$2,676.00	$42,600	$224,209 Land $45,000 Building $179,209
2023		$40,984
2022			$215,703 Land $35,000 Building $180,703

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 2532 Chartom Mar Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2532 Chartom Mar 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 99.1% of the US · lower than 98.2% 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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon, Wisper ISP.

Nearby Properties on Chartom Mar Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures