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320 Charlottesville Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 320 Charlottesville Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,678 sqft · built 1994
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Tax Bill$4,257 (2025)
Deeds & MortgagesMar 2024 Line of Credit
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNA953000311

Property Details

APN / Parcel Number

Primary APNA953000311
Alternative APN
  • 3-157C-7053-00-0174.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,678 sqft Living Area
Gross Area3,797 sqft
1st Floor Area1,678 sqft
Basement Area1,678 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area12,197 sqft (0.28 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area72 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA953000311
Street Address320 CHARLOTTESVILLE DR
CitySAINT CHARLES
StateMO
Zip63304-1034
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMONTICELLO EST #3 LOT 174
Legal SubdivisionMONTICELLO EST #3
Legal Lot Number174
JurisdictionST CHARLES MO
Township / Civil DivisionDARDENNE
Census Block Group1
Census Block1003
Census Tract311124

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address320 CHARLOTTESVILLE DR, SAINT CHARLES, MO 63304-1034
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 19, 2024Deed of Trust, Mortgage · Line of Credit
UMB BANK NA
Nov 16, 2020Deed of Trust, Mortgage
JAMES B NUTTER & CO

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address320 CHARLOTTESVILLE DR, SAINT CHARLES, MO 63304-1034
Transaction TypeMortgage
Record UpdatedApr 3, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 CHARLOTTESVILLE DR, SAINT CHARLES, MO 63304-1034

Mortgage

Document Number0000010117
DateMar 19, 2024
Instrument2024R-010117
Lender
NameUMB BANK NA
TypeBank
AddressSAINT CHARLES, MO 63304
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address320 CHARLOTTESVILLE DR, SAINT CHARLES, MO 63304-1034
Document Number0000090510
Instrument DateNov 16, 2020
Transaction TypeMortgage
Record UpdatedFeb 24, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address320 CHARLOTTESVILLE DR ST CHARLES MO 633041034, ST CHARLES, MO 63304-1034

Mortgage

Document Number0000090510
DateNov 20, 2020
Instrument90510
Lender
NameJAMES B NUTTER & CO
TypeFunding / Finance Company
AddressKANSAS CITY, MO 64111
Agreement
AmountAmount on Record
Term180 Months
DueNov 19, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$66,776 (-)$351,455 (-) Building $351,455
2025$4,257.00$66,776 (+12.21%)$351,455 (+12.21%)
2023$59,512
2022$313,220 Land $50,000 Building $263,220

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2013 · 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.

Wildfire

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

Wildfire RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Also Mapped HereMO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 423 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband, Wisper ISP.

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