2605 Plantation Pt, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2605 Plantation Pt, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,760 sqft · built 1977
Lot Size	0.044 acres (1,913 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jan 2022)
Tax Bill	$2,465 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450000B118`

Property Details

APN / Parcel Number

Primary APN	`450000B118`
Alternative APN	`3-0118-5225-08-000B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
1st Floor Area	946 sqft

Exterior

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	1,913 sqft (0.044 acres)
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	450000B118
Street Address	2605 PLANTATION PT
City	SAINT CHARLES
State	MO
Zip	63303-8431
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HERITAGE #9 BLDG 8 UNIT B
Legal Subdivision	HERITAGE #9
Legal Lot Number	B
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2008
Census Tract	311146

Owner

2605 Plantation Pt, a condominium, is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2605 PLANTATION PT, SAINT CHARLES, MO 63303-8431
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on File
Deed Sale	Jan 27, 2022 · Amount on File
Prior Sale	Sep 18, 2003 · Amount on File
Deed Document Number	20225476
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 27, 2022
Property Address	2605 PLANTATION PT, SAINT CHARLES, MO 63303-8431
Document Number	0000005476
Map Reference	MB 20 PG 54
Instrument Date	Jan 19, 2022
Instrument	2022R-005476
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 PLANTATION PT # B, B, SAINT CHARLES, MO 63303-8431

Mortgage

Document Number	0000005477
Date	Jan 27, 2022
Instrument	2022R-005477

Lender

Name	MONTGOMERY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2605 Plantation Pt was $2,465, up 4.8% from the year before.

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		$40,891 (-)	$215,218 (-) Building $215,218
2025	$2,465.00 (+4.8%)	$40,891	$215,218 Building $215,218
2024	$2,352.00
2023		$37,844
2022			$199,178 Building $199,178

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 2605 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	Severe Storms & Flooding, Jul 1993 · 2 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 2605 Plantation Pt is low, with 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Plantation Pt

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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