St. Charles County property record for 28 James Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,126 sqft · built 1957 |
| Lot Size | 0.343 acres (14,940 sqft) |
| Owner | 2 Company Names on Record |
| Deeds & Mortgages | Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 056230A000 |
| Primary APN | 056230A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 2,462 sqft |
| 1st Floor Area | 1,550 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 576 sqft |
| Unfinished Basement | 336 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,940 sqft (0.343 acres) |
| Lot Dimensions | 180 ft deep x 83 ft wide |
| Garage Type | Detached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Patio Area | 436 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 056230A000 |
|---|---|
| Street Address | 28 JAMES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FERNCLIFF RESUB LOT 28 |
| Legal Subdivision | FERNCLIFF RESUB |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 310700 |
Source: St. Charles County records, as of August 13, 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 Record |
|---|---|
| Mailing Address | 28 JAMES DR, SAINT CHARLES, MO 63301-4864 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 4, 2026 |
| Transfer Doc | 0000036479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 3, 2026 |
| Property Address | 28 JAMES DR, SAINT CHARLES, MO 63301-4864 |
| Document Number | 0000036479 |
| Instrument Date | Jun 4, 2026 |
| Instrument | 202636479 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 28 JAMES DR, SAINT CHARLES, MO 63301-4864 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $49,203 (-10.37%) | $258,965 (-10.37%) Land $55,000 Building $203,965 |
| 2023 | $54,895 | |
| 2022 | $288,920 Land $40,000 Building $248,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–2022) |
| Claims Outside the SFHA | 2 of 5 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband, Verizon.
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