2953 Westerland Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2953 Westerland Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,335 sqft · built 1987
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jun 2001)
Tax Bill	$4,433 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A870000615`

Property Details

APN / Parcel Number

Primary APN	`A870000615`
Alternative APN	`6-0005-6020-00-0078.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,335 sqft Living Area
Gross Area	4,130 sqft
1st Floor Area	2,210 sqft
Basement Area	1,500 sqft
Finished Basement	1,125 sqft
Unfinished Basement	375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	174 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000615
Street Address	2953 WESTERLAND DR
City	SAINT CHARLES
State	MO
Zip	63301-4208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER MANOR #2 LOT 78 AMEND PLAT LOTS 77-86
Legal Subdivision	HANOVER MANOR #2 AMENDED
Legal Lot Number	78
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2011
Census Tract	310802

Owner

2953 Westerland Dr is owned and occupied by two individuals who bought it in June 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	2953 WESTERLAND DR, SAINT CHARLES, MO 63301-4208
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	2 Names on Deed
Last Sale	Jun 22, 2001 · Amount on File
Deed Sale	Jun 22, 2001 · Amount on File
Deed Document Number	200151676
Deed Book / Page	2603 / 1325
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2953 WESTERLAND DR, SAINT CHARLES, MO 63301-4208
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068021858
Date	Sep 6, 2017
Book Page	6802/1858
Instrument	20170906000560640

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 11, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2953 Westerland Dr was $4,433.

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		$70,899 (-)	$373,154 (-) Land $65,000 Building $308,154
2025	$4,433.00	$70,899	$373,154 Land $65,000 Building $308,154
2023		$68,087
2022			$358,355 Land $50,000 Building $308,355

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 2953 Westerland Dr in Zone X, an area of minimal flood risk, though there have been 3 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	3 in force
Nearby Flood Claims	3 (1979–1995)
Most Recent Claim	May 1995 · Severe Storms, Tornadoes, Hail, Flooding

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 2953 Westerland 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	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 566 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL 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