St. Charles County property record for 31 James Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,396 sqft · built 1953 |
| Lot Size | 0.438 acres (19,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,200 (Apr 1999) |
| Tax Bill | $2,875 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 056260A000 |
| Primary APN | 056260A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 2,712 sqft |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 1,224 sqft |
| Finished Basement | 1,172 sqft |
| Unfinished Basement | 52 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,100 sqft (0.438 acres) |
| Lot Dimensions | 191 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 056260A000 |
|---|---|
| Street Address | 31 JAMES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FERNCLIFF LOT 31 |
| Legal Subdivision | FERNCLIFF |
| Legal Lot Number | 31 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 310700 |
31 James Dr is owned and occupied by an individual who acquired it in March 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 JAMES DR, SAINT CHARLES, MO 63301-4806 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Dec 26, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 1999 · Amount on File |
| Deed Sale | Apr 2, 1999 · Amount on File |
| Prior Sale | Nov 5, 1998 · Amount on File |
| Deed Document Number | 199928500 |
| Deed Book / Page | 2230 / 467 |
| Last Transfer Date | Mar 22, 2019 |
| Transfer Doc | 0070532052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 31 JAMES DR, SAINT CHARLES, MO 63301-4806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071381397 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 7138/1397 |
| Instrument | 20190909000486420 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 31 JAMES DR, SAINT CHARLES, MO 63301-4806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072042321 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 7204/2321 |
| Instrument | 20191226000741740 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 31 James Dr was $2,875, up 1.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,799 (-) | $241,046 (-) Land $55,000 Building $186,046 | |
| 2025 | $2,875.00 (+1.2%) | $45,799 | $241,046 Land $55,000 Building $186,046 |
| 2024 | $2,841.00 | ||
| 2023 | $44,188 | ||
| 2022 | $232,567 Land $40,000 Building $192,567 |
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.
FEMA maps place 31 James Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
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 | 2 in force |
| Nearby Flood Claims | 5 (1981–2022) |
| Claims Outside the SFHA | 2 of 5 |
| 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.
Wildfire risk around 31 James 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 99.8% of the US · lower than 99.6% 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 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband, Verizon.
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