3207 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3207 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,472 sqft · built 1999
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Oct 2020)
Tax Bill	$4,993 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A985000088`

Property Details

APN / Parcel Number

Primary APN	`A985000088`
Alternative APN	`5-116D-7739-00-0335.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,472 sqft Living Area
Gross Area	4,294 sqft
1st Floor Area	1,419 sqft
Basement Area	1,338 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	80 sqft

Location & Zoning

Account Number	A985000088
Street Address	3207 SILVERTRAIL DR
City	SAINT CHARLES
State	MO
Zip	63301-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #3 LOT 335
Legal Subdivision	STABLE RIDGE MANOR #3
Legal Lot Number	335
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

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	3207 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Prior Sale	Oct 27, 2020 · Amount on Record
Deed Document Number	202082147
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 27, 2020
Property Address	3207 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3242
Document Number	0000082147
Instrument Date	Oct 22, 2020
Instrument	82147
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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
Relationship	Husband and Wife
Address	3207 SILVERTRAIL DR ST CHARLES MO 633013242, ST CHARLES, MO 63301-3242

Mortgage

Document Number	82149
Date	Oct 27, 2020
Instrument	82149

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 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		$76,568 (-)	$402,992 (-) Land $75,000 Building $327,992
2025	$4,993.00	$76,568 (+6.99%)	$402,992 (+6.99%) Land $75,000 Building $327,992
2023		$71,563
2022			$376,649 Land $60,000 Building $316,649

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 claims

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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% 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	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 113 locations within half a mile, as of December 31, 2025

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