3133 River Ridge Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3133 River Ridge Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,872 sqft · built 1986
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$335,750 (Nov 2021)
Tax Bill	$4,896 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000261`

Property Details

APN / Parcel Number

Primary APN	`A870000261`
Alternative APN	`3-0014-6007-00-0095.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,872 sqft Living Area
Gross Area	3,942 sqft
1st Floor Area	1,198 sqft
Basement Area	1,180 sqft
Finished Basement	590 sqft
Unfinished Basement	590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	215 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870000261
Street Address	3133 RIVER RIDGE PL
City	SAINT CHARLES
State	MO
Zip	63303-6069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND EST #3 LOT 95
Legal Subdivision	RIVER BEND EST #3
Legal Lot Number	95
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2005
Census Tract	311145

Owner

3133 River Ridge Pl is owned and occupied by two individuals who bought it in November 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3133 RIVER RIDGE PL, SAINT CHARLES, MO 63303-6069
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Prior Sale	Jul 30, 2003 · Amount on File
Deed Document Number	202194494
Prior Transfer Date	Mar 9, 2015
Prior Transfer Doc	0063240092
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2021
Property Address	3133 RIVER RIDGE PL, SAINT CHARLES, MO 63303-6069
Document Number	2021R094494
Map Reference	MB 25 PG 86
Instrument Date	Nov 5, 2021
Instrument	2021R-094494
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3133 RIVER RIDGE PL, 3133, SAINT CHARLES, MO 63303-6069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3133 RIVER RIDGE PL, SAINT CHARLES, MO 63303-6069
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R094495
Date	Nov 17, 2021
Instrument	2021R-094495

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3133 River Ridge Pl was $4,896, up 7.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,667 (-)	$429,827 (-) Land $84,000 Building $345,827
2025	$4,896.00 (+7.58%)	$81,667	$429,827 Land $84,000 Building $345,827
2024	$4,551.00
2023		$73,640
2022			$387,580 Land $60,000 Building $327,580

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 3133 River Ridge Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3133 River Ridge Pl is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20