St. Charles County property record for 302 E Governor Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,627 sqft · built 2005 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Sep 2005) |
| Tax Bill | $8,392 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A975000138 |
| Primary APN | A975000138 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,627 sqft Living Area |
| 1st Floor Area | 2,627 sqft |
| Basement Area | 2,627 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 14,810 sqft (0.339 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 38 sqft |
| Patio Area | 827 sqft |
| Account Number | A975000138 |
|---|---|
| Old Parcel Number | A975000138 |
| Street Address | 302 E GOVERNOR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4593 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOVERNOR PL ADDN LOT 302 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | GOVERNOR PL ADDN |
| Legal Lot Number | 302 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310602 |
Source: St. Charles County records, as of March 16, 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 Record |
|---|---|
| Mailing Address | 302 E GOVERNOR CT, SAINT CHARLES, MO 63301-4593 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Nov 2, 2018 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2005 · Amount on Record |
| Deed Sale | Sep 8, 2005 · Amount on Record |
| Deed Document Number | 0042851201 |
| Deed Book / Page | 4285 / 1201 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 302 E GOVERNOR CT, SAINT CHARLES, MO 63301-4593 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 302 E GOVERNOR CT, SAINT CHARLES, MO 63301-4593 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007434 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024R-007434 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 8.25% |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 302 E GOVERNOR CT, SAINT CHARLES, MO 63301-4593 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 302 E GOVERNOR CT, SAINT CHARLES, MO 63301-4593 |
| Document Number | 0069982157 |
|---|---|
| Date | Nov 2, 2018 |
| Book Page | 6998/2157 |
| Instrument | 20181102000627730 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Sep 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,392.00 | $129,038 (+9.68%) | $679,151 (+9.68%) Land $115,500 Building $563,651 |
| 2023 | $117,647 | ||
| 2022 | $619,192 Land $99,000 Building $520,192 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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