2609 Plantation Pt, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2609 Plantation Pt, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,496 sqft · built 1977
Lot Size	0.041 acres (1,774 sqft)
Owner	Individual Name on File
Tax Bill	$2,094 (2025)
Deeds & Mortgages	Aug 2026 Transfer Apr 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`450000B120`

Property Details

APN / Parcel Number

Primary APN	`450000B120`
Alternative APN	`3-0118-5225-08-000D.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
1st Floor Area	814 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	1,774 sqft (0.041 acres)
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	88 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	450000B120
Street Address	2609 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 D
Legal Subdivision	HERITAGE #9
Legal Lot Number	D
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2008
Census Tract	311146

Owner

2609 Plantation Pt, a condominium, is owned by an individual who acquired it in July 2026.

Source: St. Charles County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	2609 PLANTATION PT, D, SAINT CHARLES, MO 63303-8431
Owner Type	Individual
Vesting	Married

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
Aug 28, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Apr 3, 2026	Warranty Deed, Transfer ATG TITLE INC, ATG TITLE
Aug 19, 2024	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Feb 13, 2023	Warranty Deed, Transfer · Line of Credit BDS 44 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2026
Deed Sale	Apr 3, 2026
Prior Sale	Aug 19, 2024 · Amount on File
Deed Document Number	202615590
Last Transfer Date	Jul 3, 2026
Transfer Doc	0000041403
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 28, 2026
Property Address	2609 PLANTATION PT, SAINT CHARLES, MO 63303-8431
Document Number	0000041403
Instrument Date	Jul 3, 2026
Instrument	202641403
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 PLANTATION PT, SAINT CHARLES, MO 63303-8431

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2026
Property Address	2609 PLANTATION PT, SAINT CHARLES, MO 63303-8431
Document Number	0000015590
Instrument Date	Mar 31, 2026
Instrument	202615590
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	ATG TITLE INC, ATG TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 PLANTATION PT, D, SAINT CHARLES, MO 63303-8431

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2024
Property Address	2609 PLANTATION PT, SAINT CHARLES, MO 63303-8431
Document Number	0000033375
Map Reference	MB 20 PG 54
Instrument Date	Aug 8, 2024
Instrument	2024R-033375
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 GOLDEN GATE CT, SAINT PETERS, MO 63376-5233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 PLANTATION PT # D, D, SAINT CHARLES, MO 63303-8431

Mortgage

Document Number	0000033376
Date	Aug 19, 2024
Instrument	2024R-033376

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2023
Property Address	2609 PLANTATION PT, SAINT CHARLES, MO 63303-8431
Document Number	0000005326
Map Reference	MB 20 PG 54
Instrument Date	Feb 10, 2023
Instrument	2023R-005326
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 RAYMOND DR, SAINT PAUL, MO 63366-1344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 E BOONESLICK RD UNIT 588, 588, WARRENTON, MO 63383-0836

Mortgage

Document Number	0000005327
Date	Feb 13, 2023
Instrument	2023R-005327

Lender

Name	BDS 44 LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2609 Plantation Pt was $2,094, down 3.2% 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		$34,663 (-)	$182,435 (-) Building $182,435
2025	$2,094.00 (-3.23%)	$34,663	$182,435 Building $182,435
2024	$2,164.00
2023		$34,779
2022			$183,047 Building $183,047

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

Flood

FEMA maps place 2609 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 2609 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.

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