St. Charles County property record for 313 Gum Tree Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,802 sqft · built 1975 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (May 2026) |
| Tax Bill | $3,661 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 093455A101 |
| Primary APN | 093455A101 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,802 sqft Living Area |
| Gross Area | 3,700 sqft |
| 1st Floor Area | 1,802 sqft |
| Basement Area | 1,498 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,625 sqft (0.198 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 093455A101 |
|---|---|
| Street Address | 313 GUM TREE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1293 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUNNYBROOK PK #6 REVISED LOT 102 |
| Legal Subdivision | SUNNYBROOK PK #6 |
| Legal Lot Number | 102 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 310602 |
313 Gum Tree Dr is owned and occupied by an individual who bought it in May 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 313 GUM TREE DR, SAINT CHARLES, MO 63301-1293 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on File |
| Deed Sale | May 21, 2026 · Amount on File |
| Deed Document Number | 202624022 |
| Prior Transfer Date | Jan 19, 2011 |
| Prior Transfer Doc | 0055501281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 21, 2026 |
| Property Address | 313 GUM TREE DR, SAINT CHARLES, MO 63301-1293 |
| Document Number | 0000024022 |
| Instrument Date | May 19, 2026 |
| Instrument | 202624022 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 GUM TREE DR, SAINT CHARLES, MO 63301-1293 |
| Document Number | 0000024023, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202624023 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 313 Gum Tree Dr was $3,661, up 7.4% 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 | $58,462 (-) | $307,693 (-) Land $60,000 Building $247,693 | |
| 2025 | $3,661.00 (+7.42%) | $58,462 | $307,693 Land $60,000 Building $247,693 |
| 2024 | $3,408.00 | ||
| 2023 | $53,113 | ||
| 2022 | $279,543 Land $60,000 Building $219,543 |
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 313 Gum Tree Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 12 (1978–2012) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | May 2012 · rainfall accumulation |
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.
The area around 313 Gum Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
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