2912 Elmcrest Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2912 Elmcrest Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,979 sqft · built 1966
Lot Size	0.243 acres (10,573 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2022)
Tax Bill	$4,799 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`049770A000`

Property Details

APN / Parcel Number

Primary APN	`049770A000`
Alternative APN	`6-006B-4937-09-0025.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,979 sqft Living Area
Gross Area	5,315 sqft
1st Floor Area	2,979 sqft
Basement Area	1,874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Multi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,573 sqft (0.243 acres)
Lot Dimensions	109 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	049770A000
Street Address	2912 ELMCREST DR
City	SAINT CHARLES
State	MO
Zip	63301-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ELMWOOD MANOR #5 BLK 9 LOT 25 & PT LOT 3
Legal Subdivision	ELMWOOD MANOR #5
Legal Block	9
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1014
Census Tract	310301

Owner

2912 Elmcrest Dr is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2912 ELMCREST DR, SAINT CHARLES, MO 63301-4625
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2022 · Amount on File
Deed Sale	Sep 14, 2022 · Amount on File
Deed Document Number	202250786
Record Updated	Sep 20, 2026

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Sep 14, 2022
Property Address	2912 ELMCREST DR, SAINT CHARLES, MO 63301-4625
Document Number	0000050786
Map Reference	MB 8 PG 48&49
Instrument Date	Sep 7, 2022
Instrument	2022R-050786
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 ELMCREST DR, SAINT CHARLES, MO 63301-4625

Mortgage

Document Number	0000050787
Date	Sep 14, 2022
Instrument	2022R-050787

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 16, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2912 Elmcrest Dr was $4,799, up 9% from the year before.

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		$76,794 (-)	$404,176 (-) Land $50,000 Building $354,176
2025	$4,799.00 (+9.02%)	$76,794	$404,176 Land $50,000 Building $354,176
2024	$4,402.00
2023		$68,755
2022			$361,868 Land $50,000 Building $311,868

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 2912 Elmcrest Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–1983)
Most Recent Claim	May 1983 · tidal / storm surge

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 2912 Elmcrest 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 506 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless 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