2820 Birch Tree Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2820 Birch Tree Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,835 sqft · built 1976
Lot Size	0.203 acres (8,850 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Jun 2018)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093455A148`

Property Details

APN / Parcel Number

Primary APN	`093455A148`
Alternative APN	`6-006C-5031-00-0149.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,835 sqft Living Area
1st Floor Area	1,835 sqft
Basement Area	1,302 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,850 sqft
Lot Dimensions	118 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	093455A148
Old Parcel Number	093455A148
Street Address	2820 BIRCH TREE DR
City	SAINT CHARLES
State	MO
Zip	63301-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SUNNYBROOK PK #6 REVISED LOT 149
Legal Range	05E
Legal Township	47N
Legal Subdivision	SUNNYBROOK PK #6
Legal Lot Number	149
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	3
Census Block	3002
Census Tract	310602

Owner

2820 Birch Tree Dr is owned and occupied by an individual who bought it in June 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	2820 BIRCH TREE DR, SAINT CHARLES, MO 63301-1235
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
Aug 22, 2020	Deed of Trust, Mortgage ROUNDPOINT MTG SVCNG
Jun 20, 2018	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK
Dec 19, 2017	Warranty Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Dec 19, 2017
Deed Document Number	0069361520
Deed Book / Page	6936 / 1520
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2820 BIRCH TREE DR, SAINT CHARLES, MO 63301-1235
Document Number	0000063947
Instrument Date	Aug 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 BIRCH TREE DR ST CHARLES MO 633011235, ST CHARLES, MO 63301-1235

Mortgage

Document Number	0000063947
Date	Sep 2, 2020
Instrument	63947

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 20, 2018
Property Address	2820 BIRCH TREE DR, SAINT CHARLES, MO 63301-1235
Document Number	0069361520
Book / Page	6936 / 1520
Map Reference	MB 18 PG 8
Instrument Date	Jun 15, 2018
Instrument	20180620000344440
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	356 THOREAU BLVD, 356, O FALLON, MO 63366-7451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 BIRCH TREE DR, SAINT CHARLES, MO 63301-1235

Mortgage

Document Number	20180620000344450
Date	Jun 20, 2018
Instrument	20180620000344450

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 19, 2017
Property Address	2820 BIRCH TREE DR, SAINT CHARLES, MO 63301-1235
Document Number	0068542438
Book / Page	6854 / 2438
Map Reference	MB 18 PG 8
Instrument Date	Dec 15, 2017
Instrument	20171219000781040
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 THORENU BLVD, O FALLON, MO 63366-7451

Mortgage

Document Number	20171219000781050
Date	Dec 19, 2017
Instrument	20171219000781050

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2820 Birch Tree Dr was $3,720.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,720.00	$59,419	$312,731 Land $60,000 Building $252,731
2023		$53,975
2022			$284,079 Land $60,000 Building $224,079

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 2820 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 2820 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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