2815 Birch Tree Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2815 Birch Tree Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,523 sqft · built 1977
Lot Size	0.276 acres (12,015 sqft)
Owner	Individual Name on File
Last Sale	$224,220 (Sep 2026)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093455A185`

Property Details

APN / Parcel Number

Primary APN	`093455A185`
Alternative APN	`6-006C-5031-00-0186.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,523 sqft Living Area
Gross Area	3,140 sqft
1st Floor Area	1,518 sqft
Basement Area	1,182 sqft
Finished Basement	1,005 sqft
Unfinished Basement	177 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,015 sqft (0.276 acres)
Lot Dimensions	135 ft deep x 89 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	093455A185
Street Address	2815 BIRCH TREE DR
City	SAINT CHARLES
State	MO
Zip	63301-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SUNNYBROOK PK #6 REVISED LOT 186
Legal Subdivision	SUNNYBROOK PK #6
Legal Lot Number	186
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	3
Census Block	3003
Census Tract	310602

Owner

2815 Birch Tree Dr is owned and occupied by an individual who bought it in September 2026.

Source: St. Charles County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 5, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Aug 14, 2018	Warranty Deed, Transfer · VA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2026 · Amount on File
Deed Sale	Sep 9, 2026 · Amount on File
Prior Sale	Aug 14, 2018 · Amount on File
Deed Document Number	202642994
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 9, 2026
Property Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264
Document Number	0000042994
Instrument Date	Sep 3, 2026
Instrument	202642994
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	GUARANTEED LAND TITLE LLC, GUARANTEED RATE AFFINITY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264

Mortgage

Document Number	0000042995,
Date	Sep 9, 2026
Instrument	202642995

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071931928
Date	Dec 5, 2019
Book Page	7193/1928
Instrument	20191205000697300

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2018
Property Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264
Document Number	0069620726
Book / Page	6962 / 0726
Map Reference	MB 18 PG 8
Instrument Date	Aug 9, 2018
Instrument	20180814000461710
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2815 BIRCH TREE DR, 2815, SAINT CHARLES, MO 63301-1264

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2815 BIRCH TREE DR, SAINT CHARLES, MO 63301-1264

Mortgage

Document Number	0069620728
Date	Aug 14, 2018
Book Page	6962/0728
Instrument	20180814000461720

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2815 Birch Tree Dr was $3,372.

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		$53,801 (-)	$283,161 (-) Land $60,000 Building $223,161
2025	$3,372.00	$53,801	$283,161 Land $60,000 Building $223,161
2023		$49,194
2022			$258,914 Land $60,000 Building $198,914

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 2815 Birch Tree Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

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

The area around 2815 Birch Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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