2945 Berwick Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2945 Berwick Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,182 sqft · built 1984
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Tax Bill	$4,090 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A850001994`

Property Details

APN / Parcel Number

Primary APN	`A850001994`
Alternative APN	`6-010C-5764-00-0046.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,182 sqft Living Area
1st Floor Area	1,498 sqft
Basement Area	1,498 sqft
Finished Basement	195 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A850001994
Old Parcel Number	A850001994
Street Address	2945 BERWICK CT
City	SAINT CHARLES
State	MO
Zip	63303-3180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SETON HILL #2 LOT 46
Legal Range	04E
Legal Township	47N
Legal Subdivision	SETON HILL #2
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3010
Census Tract	310903

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 8, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 7, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
May 8, 2018	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021
Deed Sale	Dec 8, 2021
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	0202199190
Deed Book / Page	2021 / 99190
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180
Transaction Type	Mortgage
Record Updated	Feb 16, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180

Mortgage

Document Number	0000004232
Date	Feb 2, 2024
Instrument	2024R-004232

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2021
Property Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180
Document Number	0000099190
Map Reference	MB 23 PG 163&164
Instrument Date	Nov 29, 2021
Instrument	2021R-099190
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180

Mortgage

Document Number	0000099191
Date	Dec 8, 2021
Instrument	2021R-099191

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180
Document Number	0072941679
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2945 BERWICK CT ST CHARLES MO 633033180, ST CHARLES, MO 63303-3180

Mortgage

Document Number	0072941679
Date	May 14, 2020
Book Page	007294/001679
Instrument	310230

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 8, 2018
Property Address	2945 BERWICK CT, SAINT CHARLES, MO 63303-3180
Document Number	0069161460
Book / Page	006916 / 001460
Instrument Date	May 3, 2018
Instrument	255830
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Tenants in Common
Address	2945 BERWICK CT ST CHARLES MO 633033180, ST CHARLES, MO 63303-3180

Mortgage

Document Number	69161462
Date	May 8, 2018
Book Page	006916/001462
Instrument	255840

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

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	$4,090.00	$65,372 (+4.52%)	$344,061 (+4.52%) Land $65,000 Building $279,061
2023		$62,545
2022			$329,183 Land $50,000 Building $279,183

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 in force
Nearby Flood Claims	75 (1979–2020)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Jun 1993 · 24 claims

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

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	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 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

Nearby Properties on Berwick Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures