3 Enclave Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3 Enclave Ct, Saint Charles, MO 63304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,336 sqft · built 1990
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$457,500 (May 2020)
Tax Bill	$7,236 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A902000634`

Property Details

APN / Parcel Number

Primary APN	`A902000634`
Alternative APN	`2-0069-6570-00-0003.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,336 sqft Living Area
Gross Area	6,026 sqft
1st Floor Area	2,558 sqft
Basement Area	2,540 sqft
Finished Basement	1,778 sqft
Unfinished Basement	762 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,708 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	928 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	56 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	A902000634
Street Address	3 ENCLAVE CT
City	SAINT CHARLES
State	MO
Zip	63304-7698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ENCLAVE OF DARDENNE FARMS LOT 3
Legal Subdivision	ENCLAVE OF DARDENNE FARMS
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3011
Census Tract	311739

Owner

Source: St. Charles County records · APN A902000634

Assessment roll updated August 7, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Quit Claim Deed, Transfer · Conventional Mortgage CNB ST LOUIS BANK
May 04, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 30, 2017	Warranty Deed, Transfer SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 2020 · Amount on Record
Deed Sale	May 04, 2020 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	2020282980
Deed Book / Page	7286 / 619
Last Transfer Date	Jun 14, 2022
Transfer Doc	0000034978
Record Updated	Sep 20, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 23, 2022
Property Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698
Document Number	0000034978
Map Reference	MB 29 PG 142-144
Instrument Date	Jun 14, 2022
Instrument	2022R-034978
Transaction Type	Transfer
Record Updated	Jul 05, 2022
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 ENCLAVE CT, 3, SAINT CHARLES, MO 63304-7698

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698

Mortgage

Document Number	0000034979
Date	Jun 23, 2022
Instrument	2022R-034979

Lender

Name	CNB ST LOUIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 01, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	Prime Rate
Max Rate	9.75%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 04, 2020
Property Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698
Document Number	0072860619
Book / Page	7286 / 619
Map Reference	MB 29 PG 142-144
Instrument Date	Apr 30, 2020
Instrument	20200504000282980
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ENCLAVE CT, COTTLEVILLE, MO 63304-7698

Mortgage

Document Number	20200504000282990
Date	May 04, 2020
Instrument	20200504000282990

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 30, 2017
Property Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698
Document Number	0067501461
Book / Page	006750 / 001461
Instrument Date	May 25, 2017
Instrument	327410
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	SECURITY TITLE COMPANY, SECURE TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Married Couple
Address	3 ENCLAVE CT ST CHARLES MO 633047698, ST CHARLES, MO 63304-7698

Mortgage

Document Number	67501463
Date	May 30, 2017
Book Page	006750/001463
Instrument	327420

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,895 (-)	$615,238 (-) Land $93,000 Building $522,238
2025	$7,236.00	$116,895 (+11.41%)	$615,238 (+11.41%) Land $93,000 Building $522,238
2023		$104,921
2022			$552,215 Land $80,000 Building $472,215

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833117393, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 233 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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