3123 Wheeling Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3123 Wheeling Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,266 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,362 (Aug 2007)
Tax Bill	$4,670 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`T070500471`

Property Details

APN / Parcel Number

Primary APN	`T070500471`
Alternative APN	`5-116C-A006-00-006B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	4,145 sqft
1st Floor Area	1,438 sqft
Basement Area	1,438 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500471
Street Address	3123 WHEELING DR
City	SAINT CHARLES
State	MO
Zip	63301-2471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #2 AMEND LOT 6B
Legal Subdivision	CHARLESTOWNE #2
Legal Lot Number	6B
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2025
Census Tract	310201

Owner

Source: St. Charles County records, as of August 7, 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 Record
Mailing Address	3123 WHEELING DR, SAINT CHARLES, MO 63301-2471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 23, 2020	Deed of Trust, Mortgage INTEGRITY MTG/MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2007 · Amount on Record
Deed Sale	Aug 9, 2007 · Amount on Record
Prior Sale	Nov 13, 2006 · Amount on Record
Deed Document Number	2007664610
Deed Book / Page	4817 / 991
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 14, 2026
Property Address	3123 WHEELING DR, SAINT CHARLES, MO 63301-2471
Document Number	0000032922
Instrument Date	Jun 27, 2026
Instrument	202632922
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 WHEELING DR, SAINT CHARLES, MO 63301-2471

Mortgage

Document Number	0000032922,
Date	Jul 14, 2026
Instrument	202632922

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3123 WHEELING DR, SAINT CHARLES, MO 63301-2471
Document Number	0000083084
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3123 WHEELING DR ST CHARLES MO 633012471, ST CHARLES, MO 63301-2471

Mortgage

Document Number	0000083084
Date	Oct 29, 2020
Instrument	83084

Lender

Name	INTEGRITY MTG/MO
Type	Mortgage Company
Address	ST CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

Tax Assessment & Valuation

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		$71,583 (-)	$376,754 (-) Land $55,500 Building $321,254
2025	$4,670.00	$71,583 (+3.23%)	$376,754 (+3.23%) Land $55,500 Building $321,254
2023		$69,341
2022			$364,952 Land $50,000 Building $314,952

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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