St. Charles County property record for 2948 Elmcrest Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,032 sqft · built 1964 |
| Lot Size | 0.146 acres (6,365 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,560 (May 2021) |
| Tax Bill | $2,405 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049680A000 |
| Primary APN | 049680A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| Gross Area | 2,352 sqft |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 1,032 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,365 sqft (0.146 acres) |
| Lot Dimensions | 95 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 049680A000 |
|---|---|
| Street Address | 2948 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 16 |
| Legal Subdivision | ELMWOOD MANOR #5 |
| Legal Block | 9 |
| Legal Lot Number | 16 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 310301 |
2948 Elmcrest Dr is owned and occupied by two individuals who bought it in May 2021.
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2948 ELMCREST DR, SAINT CHARLES, MO 63301-4625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage INTEGRITY MORTGAGE OF MISSOURI CORP |
| Jul 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on File |
| Deed Sale | May 6, 2021 · Amount on File |
| Prior Sale | Jul 10, 2018 · Amount on File |
| Deed Document Number | 202139977 |
| Prior Transfer Date | Apr 23, 2021 |
| Prior Transfer Doc | 2021R039977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 6, 2021 |
| Property Address | 2948 ELMCREST DR, SAINT CHARLES, MO 63301-4625 |
| Document Number | 2021R039977 |
| Map Reference | MB 8 PG 48&49 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021R-039977 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2948 ELMCREST DR, SAINT CHARLES, MO 63301-4625 |
| Document Number | 2021R039978 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021R-039978 |
| Name | INTEGRITY MORTGAGE OF MISSOURI CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 10, 2018 |
| Property Address | 2948 ELMCREST DR, SAINT CHARLES, MO 63301-4625 |
| Document Number | 0069460720 |
| Book / Page | 6946 / 0720 |
| Map Reference | MB 8 PG 48&49 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 20180710000387380 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 GOLDEN OAK RD, 18, STEELVILLE, MO 65565-5049 |
| Name | Verified Name |
|---|---|
| Address | 2948 ELMCREST DR, SAINT CHARLES, MO 63301-4625 |
| Document Number | 20180710000387390 |
|---|---|
| Date | Jul 10, 2018 |
| Instrument | 20180710000387390 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 2948 Elmcrest Dr was $2,405, up 1.9% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,230 (-) | $201,213 (-) Land $50,000 Building $151,213 | |
| 2025 | $2,405.00 (+1.86%) | $38,230 | $201,213 Land $50,000 Building $151,213 |
| 2024 | $2,361.00 | ||
| 2023 | $36,637 | ||
| 2022 | $192,828 Land $50,000 Building $142,828 |
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.
FEMA maps place 2948 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 risk around 2948 Elmcrest 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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