282 Fox Ridge Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 282 Fox Ridge Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,210 sqft · built 2004
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$350,648 (Jul 2004)
Deeds & Mortgages	Mar 2017 Mortgage Feb 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T050800150`

Property Details

APN / Parcel Number

Primary APN	`T050800150`
Alternative APN	`3-0117-9454-00-0214.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,210 sqft Living Area
Gross Area	5,332 sqft
1st Floor Area	3,210 sqft
Basement Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	14,375 sqft (0.33 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T050800150
Street Address	282 FOX RIDGE DR
City	SAINT CHARLES
State	MO
Zip	63303-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWS AT HERITAGE TRLS LOT 214
Legal Subdivision	MEADOWS AT HERITAGE TRAILS
Legal Lot Number	214
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3018
Census Tract	311146

Owner

282 Fox Ridge Dr is owned and occupied by two individuals who bought it in July 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	282 FOX RIDGE DR, SAINT CHARLES, MO 63303-1726
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC
Feb 19, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2004 · Amount on File
Deed Sale	Jul 22, 2004 · Amount on File
Deed Document Number	2004704330
Deed Book / Page	3931 / 1563
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	282 FOX RIDGE DR, SAINT CHARLES, MO 63303-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067091526
Date	Mar 9, 2017
Book Page	6709/1526
Instrument	20170309000143330

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	282 FOX RIDGE DR, SAINT CHARLES, MO 63303-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072330580
Date	Feb 19, 2020
Book Page	7233/0580
Instrument	20200219000101150

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	144 Months
Due	Feb 10, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$100,227	$527,510 Land $100,000 Building $427,510
2023	$97,489
2022		$513,102 Land $75,000 Building $438,102

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 282 Fox Ridge Dr in Zone X, an area of minimal flood risk.

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 6 (20% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 282 Fox Ridge Dr is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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