St. Charles County property record for 2604 Plantation Pt, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,804 sqft · built 1977 |
| Lot Size | 0.045 acres (1,940 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Sep 2013) |
| Tax Bill | $2,444 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 450000B127 |
| Primary APN | 450000B127 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,804 sqft Living Area |
| 1st Floor Area | 990 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 1,940 sqft (0.045 acres) |
| Garage Type | Detached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 450000B127 |
|---|---|
| Street Address | 2604 PLANTATION PT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6132 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HERITAGE #9 BLDG 25 UNIT E |
| Legal Subdivision | HERITAGE #9 |
| Legal Block | 25 |
| Legal Lot Number | E |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 311146 |
2604 Plantation Pt, a condominium, is owned and occupied by an individual who bought it in September 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2604 PLANTATION PT, SAINT CHARLES, MO 63303-6132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 9, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 21, 2020 | Deed of Trust, Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2013 · Amount on File |
| Deed Sale | Sep 9, 2013 · Amount on File |
| Prior Sale | Aug 14, 2003 · Amount on File |
| Deed Document Number | 2013711790 |
| Deed Book / Page | 6089 / 1806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2604 PLANTATION PT, SAINT CHARLES, MO 63303-6132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067401228 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 6740/1228 |
| Instrument | 20170509000279950 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2604 PLANTATION PT, SAINT CHARLES, MO 63303-6132 |
| Document Number | 0000073091 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2604 PLANTATION PT ST CHARLES MO 633036132, ST CHARLES, MO 63303-6132 |
| Document Number | 0000073091 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 73091 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 29, 2035 |
The 2025 property tax bill for 2604 Plantation Pt was $2,444.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $40,533 (-) | $213,331 (-) Building $213,331 | |
| 2025 | $2,444.00 | $40,533 | $213,331 |
| 2023 | $37,655 | ||
| 2022 | $198,185 Building $198,185 |
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.
FEMA maps place 2604 Plantation Pt in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1979.
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 | 19 (1979–2013) |
| Most Recent Claim | Apr 2013 · river or lake flooding |
| Claims by Event |
|
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 risk around 2604 Plantation Pt is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 348 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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