2803 Birch Tree Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2803 Birch Tree Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,960 sqft · built 1976
Lot Size	0.249 acres (10,842 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jan 2016)
Tax Bill	$3,321 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jan 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`093455A188`

Property Details

APN / Parcel Number

Primary APN	`093455A188`
Alternative APN	`6-006C-5031-00-0189.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	3,567 sqft
1st Floor Area	1,123 sqft
Basement Area	1,123 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,842 sqft (0.249 acres)
Lot Dimensions	139 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	093455A188
Street Address	2803 BIRCH TREE DR
City	SAINT CHARLES
State	MO
Zip	63301-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SUNNYBROOK PK #6 REVISED LOT 189
Legal Subdivision	SUNNYBROOK PK #6
Legal Lot Number	189
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	3
Census Block	3004
Census Tract	310602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Jan 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA
Aug 13, 2020	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Dec 27, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2016 · Amount on Record
Deed Sale	Jan 26, 2016 · Amount on Record
Deed Document Number	201650570
Deed Book / Page	6483 / 467
Last Transfer Date	Dec 27, 2017
Transfer Doc	0068581854
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234

Mortgage

Document Number	0000096400
Date	Nov 29, 2021
Instrument	2021R-096400

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068630214
Date	Jan 5, 2018
Book Page	6863/0214
Instrument	20180105000008260

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 26, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073271424
Date	Jun 23, 2020
Book Page	7327/1424
Instrument	20200623000429810

Lender

Name	UMB BANK NA
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2030

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234

Mortgage

Document Number	0073711153
Date	Aug 13, 2020
Book Page	7371/1153
Instrument	20200813000582800

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2017
Property Address	2803 BIRCH TREE DR, SAINT CHARLES, MO 63301-1234
Document Number	0068581854
Book / Page	006858 / 001854
Instrument Date	Dec 27, 2017
Instrument	796100
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 BIRCH TREE DR ST CHARLES MO 633011234, ST CHARLES, MO 63301-1234

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,980 (-)	$278,841 (-) Land $60,000 Building $218,841
2025	$3,321.00 (-1.31%)	$52,980 (+1.02%)	$278,841 (+1.02%) Land $60,000 Building $218,841
2024	$3,365.00
2023		$52,444
2022			$276,021 Land $60,000 Building $216,021

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

Flood

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	12 (1978–2012)
Claims Outside the SFHA	6 of 12
Most Recent Claim	May 2012 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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