3112 Wheeling Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3112 Wheeling Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,548 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$295,500 (Mar 2019)
Tax Bill	$4,619 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T070500461`

Property Details

APN / Parcel Number

Primary APN	`T070500461`
Alternative APN	`5-116C-A006-00-026A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,548 sqft Living Area
Gross Area	4,360 sqft
1st Floor Area	1,699 sqft
Basement Area	1,675 sqft
Finished Basement	304 sqft
Unfinished Basement	1,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	175 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500461
Street Address	3112 WHEELING DR
City	SAINT CHARLES
State	MO
Zip	63301-2473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #2 AMEND LOT 26A
Legal Subdivision	CHARLESTOWNE #2
Legal Lot Number	26A
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2026
Census Tract	310201

Owner

3112 Wheeling Dr is owned and occupied by an individual who bought it in March 2019.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473
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
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST FINANCIAL LLC
Mar 8, 2019	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Prior Sale	Jun 25, 2008 · Amount on File
Deed Document Number	2019103200
Deed Book / Page	7044 / 711
Prior Transfer Date	Feb 9, 2018
Prior Transfer Doc	0068770908
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	ATG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473

Mortgage

Document Number	2021R085414
Date	Oct 14, 2021
Instrument	2021R-085414

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068821385
Date	Feb 23, 2018
Book Page	6882/1385
Instrument	20180223000096930

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 12, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CAPSTONE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073361064
Date	Jul 2, 2020
Book Page	7336/1064
Instrument	20200702000459970

Lender

Name	CORNERSTONE FIRST FINANCIAL LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2019
Property Address	3112 WHEELING DR, SAINT CHARLES, MO 63301-2473
Document Number	0070440711
Book / Page	007044 / 000711
Instrument Date	Mar 6, 2019
Instrument	103200
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	3112 WHEELING DR ST CHARLES MO 633012473, ST CHARLES, MO 63301-2473

Mortgage

Document Number	70440713
Date	Mar 8, 2019
Book Page	007044/000713
Instrument	103210

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3112 Wheeling Dr was $4,619.

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,797 (-)	$372,618 (-) Land $55,500 Building $317,118
2025	$4,619.00	$70,797	$372,618 Land $55,500 Building $317,118
2023		$69,148
2022			$363,938 Land $50,000 Building $313,938

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 3112 Wheeling Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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 3112 Wheeling 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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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