2985 Berwick Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2985 Berwick Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1988
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$262,900 (Aug 2018)
Tax Bill	$3,564 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2017 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A850001984`

Property Details

APN / Parcel Number

Primary APN	`A850001984`
Alternative APN	`6-010C-5764-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	3,762 sqft
1st Floor Area	1,698 sqft
Basement Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001984
Street Address	2985 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 36
Legal Subdivision	SETON HILL #2
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3010
Census Tract	310903

Owner

2985 Berwick Ct is owned and occupied by two individuals who bought it in August 2018.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
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

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jan 12, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU OF BELOIT
Jul 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Sep 25, 2020	Deed of Trust, Mortgage DELMAR FIN'L
Aug 13, 2018	Warranty Deed, Transfer · Conventional Mortgage US TITLE CORPORATION AND OR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Prior Sale	May 7, 2007 · Amount on File
Deed Document Number	2018458210
Deed Book / Page	6961 / 1573
Prior Transfer Date	Apr 30, 2007
Prior Transfer Doc	0047471967
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180

Mortgage

Document Number	0000024150
Date	Apr 27, 2022
Instrument	2022R-024150

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066842458
Date	Jan 12, 2017
Book Page	6684/2458
Instrument	20170112000025920

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 15, 2027

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071000616
Date	Jul 3, 2019
Book Page	7100/0616
Instrument	20190703000335890

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072432288
Date	Mar 6, 2020
Book Page	7243/2288
Instrument	20200306000139540

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Document Number	0000074639
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2985 BERWICK CT ST CHARLES MO 633033180, ST CHARLES, MO 63303-3180

Mortgage

Document Number	0000074639
Date	Oct 5, 2020
Instrument	74639

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 13, 2018
Property Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180
Document Number	0069611573
Book / Page	6961 / 1573
Map Reference	MB 23 PG 163
Instrument Date	Aug 8, 2018
Instrument	20180813000458210
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2985 BERWICK CT, 2985, SAINT CHARLES, MO 63303-3180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 BERWICK CT, SAINT CHARLES, MO 63303-3180

Mortgage

Document Number	0000000000
Date	Aug 13, 2018
Instrument	20180813000458220

Lender

Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2985 Berwick Ct was $3,564, up 0.6% from the year before.

Source: St. Charles County assessment roll, as of August 13, 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	$3,564.00 (+0.56%)	$56,895	$299,445 Land $65,000 Building $234,445
2024	$3,544.00
2023		$55,248
2022			$290,777 Land $50,000 Building $240,777

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 2985 Berwick Ct in Zone X, an area of minimal flood risk, though there have been 75 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 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

The area around 2985 Berwick Ct 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 196 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband.

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