2971 Elbe Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2971 Elbe Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,982 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$150,995 (May 2022)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000650`

Property Details

APN / Parcel Number

Primary APN	`A870000650`
Alternative APN	`6-0005-6020-00-0113.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,982 sqft Living Area
Gross Area	3,417 sqft
1st Floor Area	1,059 sqft
Basement Area	1,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	109 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000650
Street Address	2971 ELBE DR
City	SAINT CHARLES
State	MO
Zip	63301-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER MANOR #2 LOT 113
Legal Subdivision	HANOVER MANOR #2 AMENDED
Legal Lot Number	113
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2005
Census Tract	310802

Owner

2971 Elbe Dr is owned and occupied by an individual who bought it in May 2022.

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	Individual Name on File
Mailing Address	2971 ELBE DR, SAINT CHARLES, MO 63301-4223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2022 · Amount on File
Deed Sale	May 11, 2022 · Amount on File
Prior Sale	Jul 19, 2007 · Amount on File
Deed Document Number	202226992
Prior Transfer Date	Apr 7, 2022
Prior Transfer Doc	0000026992
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2022
Property Address	2971 ELBE DR, SAINT CHARLES, MO 63301-4223
Document Number	0000026992
Map Reference	MB 25 PG 100-102
Instrument Date	Apr 7, 2022
Instrument	2022R-026992
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2971 ELBE DR, SAINT CHARLES, MO 63301-4223

Mortgage

Document Number	0000026993
Date	May 11, 2022
Instrument	2022R-026993

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 2971 Elbe Dr was $3,692, up 1% 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		$58,960 (-)	$310,315 (-) Land $65,000 Building $245,315
2025	$3,692.00 (+0.98%)	$58,960	$310,315 Land $65,000 Building $245,315
2024	$3,656.00
2023		$57,019
2022			$300,100 Land $50,000 Building $250,100

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 2971 Elbe 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 2971 Elbe 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	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 224 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	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20