St. Charles County property record for 2804 Oetting Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,214 sqft · built 2003 |
| Lot Size | 0.254 acres (11,058 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $765,000 (Jul 2021) |
| Tax Bill | $6,520 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 450000I113 |
| Primary APN | 450000I113 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,214 sqft Living Area |
| Gross Area | 6,000 sqft |
| 1st Floor Area | 2,085 sqft |
| Basement Area | 1,941 sqft |
| Finished Basement | 1,100 sqft |
| Unfinished Basement | 841 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 11,058 sqft (0.254 acres) |
| Lot Dimensions | 97 ft deep x 114 ft wide |
| Garage Type | Attached |
| Garage Area | 945 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Patio Area | 273 sqft |
| Account Number | 450000I113 |
|---|---|
| Street Address | 2804 OETTING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-8424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AB8 |
| Legal Description | HERITAGE #22 LOT 459 |
| Legal Subdivision | HERITAGE #22 |
| Legal Lot Number | 459 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311145 |
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 | 2804 OETTING DR, SAINT CHARLES, MO 63303-8424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2022 | Intrafamily Transfer, Transfer |
| Jul 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2021 · Amount on Record |
| Deed Sale | Jul 27, 2021 · Amount on Record |
| Prior Sale | Oct 22, 2010 · Amount on Record |
| Deed Document Number | 202162928 |
| Last Transfer Date | Sep 21, 2022 |
| Transfer Doc | 0000051984 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 21, 2022 |
| Property Address | 2804 OETTING DR, SAINT CHARLES, MO 63303-8424 |
| Document Number | 0000051984 |
| Map Reference | MB 33 PG 107 |
| Instrument Date | Sep 21, 2022 |
| Instrument | 2022R-051984 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2804 OETTING DR, 2804, SAINT CHARLES, MO 63303-8424 |
| Name | Verified Name |
|---|---|
| Address | 2804 OETTING DR, SAINT CHARLES, MO 63303-8424 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 27, 2021 |
| Property Address | 2804 OETTING DR, SAINT CHARLES, MO 63303-8424 |
| Document Number | 0000062928 |
| Map Reference | MB 22 PG 107 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021R-062928 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2804 OETTING DR, 2804, SAINT CHARLES, MO 63303-8424 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2804 OETTING DR, SAINT CHARLES, MO 63303-8424 |
| Document Number | 0000062930 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021R-062930 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | HAZELWOOD, MO 63042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $108,895 (-) | $573,133 (-) Land $96,000 Building $477,133 | |
| 2025 | $6,520.00 (+9.21%) | $108,895 (+12.55%) | $573,133 (+12.55%) Land $96,000 Building $477,133 |
| 2024 | $5,970.00 | ||
| 2023 | $96,752 | ||
| 2022 | $509,221 Land $84,000 Building $425,221 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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