28 Gerald Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 28 Gerald Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,433 sqft · built 2000
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$178,000 (Sep 2003)
Tax Bill	$3,831 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`536100A002`

Property Details

APN / Parcel Number

Primary APN	`536100A002`
Alternative APN	`3-0036-S020-00-0016.2000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,433 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	1,433 sqft
Basement Area	1,415 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar

Location & Zoning

Account Number	536100A002
Street Address	28 GERALD DR
City	SAINT CHARLES
State	MO
Zip	63304-6938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SE 1/4 SE 1/4
Legal Range	4
Legal Township	46
Legal Section	02
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

28 Gerald Dr is owned and occupied by two individuals who bought it in September 2003.

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	28 GERALD DR, SAINT CHARLES, MO 63304-6938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2003 · Amount on File
Deed Sale	Sep 29, 2003 · Amount on File
Deed Document Number	20031428580
Deed Book / Page	3663 / 1219
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 GERALD DR, SAINT CHARLES, MO 63304-6938
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GERALD DR, SAINT CHARLES, MO 63304-6938

Mortgage

Document Number	2021R073062
Date	Aug 31, 2021
Instrument	2021R-073062

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 GERALD DR, SAINT CHARLES, MO 63304-6938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073630225
Date	Aug 4, 2020
Book Page	7363/225
Instrument	20200804000555220

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	266 Months
Due	Oct 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 28 Gerald Dr was $3,831.

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		$64,558 (-)	$339,779 (-) Building $339,779
2025	$3,831.00	$64,558	$339,779
2023		$58,935
2022			$310,185 Building $310,185

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.

Flood

FEMA maps place 28 Gerald Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 28 Gerald 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 98% of the US · lower than 96% 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.

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 377 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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