St. Charles County property record for 27 Harbor Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,200 sqft · built 1965 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,164 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 280110A000 |
| Primary APN | 280110A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Account Number | 280110A000 |
|---|---|
| Street Address | 27 HARBOR DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE1 |
| Legal Description | HOLIDAY HARBOR RESUB PT LOT 27 ON N SIDE LOT 26 |
| Legal Subdivision | HOLIDAY HARBOR RESUB |
| Legal Lot Number | 27 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311500 |
27 Harbor Dr is owned by two individuals who acquired it in April 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1216 CACTUS JCT, SAINT PETERS, MO 63304-8730 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 27, 2005 |
| Transfer Doc | 0043190849 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 27 Harbor Dr was $1,164.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,057 (-) | $100,298 (-) Land $1,500 Building $98,798 | |
| 2025 | $1,164.00 | $19,057 | $100,298 Land $1,500 Building $98,798 |
| 2023 | $18,435 | ||
| 2022 | $97,027 Land $1,500 Building $95,527 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Harbor Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 82 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 1,306 (1978–2022) |
| Claims Outside the SFHA | 57 of 1,306 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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 27 Harbor 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 96% of the US · lower than 94% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brown Dog Networks Fixed Wireless | 50 / 10 |
5G and 4G LTE (outdoors only)
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