3208 Ridgeview Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3208 Ridgeview Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,592 sqft · built 1970
Lot Size	0.188 acres (8,190 sqft)
Owner	Individual Name on Record
Last Sale	$114,900 (Mar 2011)
Tax Bill	$2,393 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`095075A000`

Property Details

APN / Parcel Number

Primary APN	`095075A000`
Alternative APN	`6-001D-4456-00-0025.3000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	500 sqft
Unfinished Basement	592 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,190 sqft (0.188 acres)
Lot Dimensions	117 ft deep x 70 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	095075A000
Street Address	3208 RIDGEVIEW DR
City	SAINT CHARLES
State	MO
Zip	63301-0869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	VLG DUCHESNE PT LOT 25
Legal Subdivision	VLG DUCHESNE
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1000
Census Tract	310301

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 Record	Individual Name on Record
Mailing Address	3208 RIDGEVIEW DR, SAINT CHARLES, MO 63301-0869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2011 · Amount on Record
Deed Sale	Mar 29, 2011 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Document Number	2011201640
Deed Book / Page	5568 / 1430
Prior Transfer Date	Apr 27, 2005
Prior Transfer Doc	0000402090
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2026
Property Address	3208 RIDGEVIEW DR, SAINT CHARLES, MO 63301-0869
Document Number	0000020525
Instrument Date	Apr 15, 2026
Instrument	202620525
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 RIDGEVIEW DR, SAINT CHARLES, MO 63301-0869

Mortgage

Document Number	0000020525,
Date	May 4, 2026
Instrument	202620525

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,042 (-)	$200,220 (-) Land $45,000 Building $155,220
2025	$2,393.00 (+2.57%)	$38,042 (+5.1%)	$200,220 (+5.1%) Land $45,000 Building $155,220
2024	$2,333.00
2023		$36,196
2022			$190,506 Land $35,000 Building $155,506

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–1983)
Most Recent Claim	May 1983 · tidal / storm surge

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 246 locations within half a mile, as of December 31, 2025

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