St. Charles County property record for 2640 Upper Bottom Loop Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,796 sqft · built 2017 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $60,000 (Jul 2016) |
| Tax Bill | $4,303 (2025) |
| Deeds & Mortgages | Jan 2017 Construction Loan Apr 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A893000383 |
| Primary APN | A893000383 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,796 sqft Living Area |
| Gross Area | 4,331 sqft |
| 1st Floor Area | 1,796 sqft |
| Basement Area | 1,784 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Attached |
| Garage Area | 751 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | A893000383 |
|---|---|
| Street Address | 2640 UPPER BOTTOM LOOP RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHEELER CANYON EST #1 LOT 73 |
| Legal Subdivision | WHEELER CANYON EST #1 |
| Legal Lot Number | 73 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 311145 |
Source: St. Charles County records · APN A893000383
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 Company Names on File |
|---|---|
| Mailing Address | 2640 UPPER BOTTOM LOOP RD, SAINT CHARLES, MO 63303-6556 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 05, 2017 | Deed of Trust, Mortgage · Construction Mortgage THE CALLAWAY BANK |
| Apr 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THE CALLAWAY BANK |
| May 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE CALLAWAY BANK |
| Jan 19, 2018 | Loan Modification, Mortgage CALLAWAY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2016 · Amount on Record |
| Deed Sale | Jul 13, 2016 · Amount on Record |
| Prior Sale | Jun 09, 2003 · Amount on Record |
| Deed Document Number | 2016437680 |
| Deed Book / Page | 6572 / 2190 |
| Last Transfer Date | Oct 16, 2024 |
| Transfer Doc | 0000043473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2640 UPPER BOTTOM LOOP RD, SAINT CHARLES, MO 63303-6556 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000009580 |
|---|---|
| Date | Jan 05, 2017 |
| Book Page | 6681/0773 |
| Instrument | 20170105000009580 |
| Name | THE CALLAWAY BANK |
|---|---|
| Type | Bank |
| Address | ASHLAND, MO 65010 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2640 UPPER BOTTOM LOOP RD, SAINT CHARLES, MO 63303-6556 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000226480 |
|---|---|
| Date | Apr 26, 2018 |
| Book Page | 6910/0321 |
| Instrument | 20180426000226480 |
| Name | THE CALLAWAY BANK |
|---|---|
| Type | Bank |
| Address | FULTON, MO 65251 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2640 UPPER BOTTOM LOOP RD, SAINT CHARLES, MO 63303-6556 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000294270 |
|---|---|
| Date | May 07, 2020 |
| Book Page | 7289/1706 |
| Instrument | 20200507000294270 |
| Name | THE CALLAWAY BANK |
|---|---|
| Type | Bank |
| Address | FULTON, MO 65251 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2640 UPPER BOTTOM LOOP RD, SAINT CHARLES, MO 63303-6556 |
| Document Number | 0068721475 |
| Book / Page | 006872 / 001475 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2640 UPPER BOTTOM LOOP RD ST CHARLES MO 633036556, ST CHARLES, MO 63303-6556 |
| Document Number | 0068721475 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | 006872/001475 |
| Instrument | 52800 |
| Name | CALLAWAY BK |
|---|---|
| Type | Bank |
| Address | ASHLAND, MO 65010 |
| Amount | Amount Recorded |
|---|
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,716 (-) | $377,455 (-) Land $81,000 Building $296,455 | |
| 2025 | $4,303.00 | $71,716 (+3.84%) | $377,455 (+3.85%) Land $81,000 Building $296,455 |
| 2023 | $69,061 | ||
| 2022 | $363,476 Land $63,000 Building $300,476 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| Claims by Event |
|
| 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 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) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Based on FCC filings for 236 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| 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 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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