282 E Governor Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 282 E Governor Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,576 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$347,500 (Sep 2020)
Tax Bill	$6,112 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A965000329`

Property Details

APN / Parcel Number

Primary APN	`A965000329`
Alternative APN	`5-0079-7413-00-0023.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,576 sqft Living Area
1st Floor Area	1,355 sqft
Basement Area	1,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	185 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	A965000329
Old Parcel Number	A965000329
Street Address	282 E GOVERNOR PL
City	SAINT CHARLES
State	MO
Zip	63301-4554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PRESIDIO LOT 23
Legal Range	04E
Legal Township	47N
Legal Subdivision	PRESIDIO
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1007
Census Tract	310602

Owner

Source: St. Charles County records · APN A965000329

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	282 E GOVERNOR PL, SAINT CHARLES, MO 63301-4554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Dec 28, 2000
Deed Document Number	0202069286
Deed Book / Page	2020 / 69286
Record Updated	Jun 08, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2020
Property Address	282 E GOVERNOR PL, SAINT CHARLES, MO 63301-4554
Document Number	0000069286
Instrument Date	Sep 15, 2020
Instrument	69286
Transaction Type	Transfer
Record Updated	Nov 04, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	282 E GOVERNOR PL ST CHARLES MO 633014554, ST CHARLES, MO 63301-4554

Mortgage

Document Number	69287
Date	Sep 18, 2020
Instrument	69287

Lender

Name	PREMIA RELOCATION MTG
Type	Mortgage Company
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,112.00	$93,846 (+12.14%)	$493,927 (+12.14%) Land $80,000 Building $413,927
2023		$83,689
2022			$440,466 Land $60,000 Building $380,466

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	61 (1979–2022)
Claims Outside the SFHA	16 of 61
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 221 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES PWS serves 78,961 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.