3208 Silvertrail Dr, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,670 sqft · built 2000
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,917 (Apr 2001)
Tax Bill	$5,205 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A985000084`

Property Details

APN / Parcel Number

Primary APN	`A985000084`
Alternative APN	`5-116D-7739-00-0331.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,670 sqft Living Area
Gross Area	4,308 sqft
1st Floor Area	1,358 sqft
Basement Area	1,316 sqft
Finished Basement	1,276 sqft
Unfinished Basement	40 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	350 sqft

Location & Zoning

Account Number	A985000084
Street Address	3208 SILVERTRAIL DR
City	SAINT CHARLES
State	MO
Zip	63301-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #3 LOT 331
Legal Subdivision	STABLE RIDGE MANOR #3
Legal Lot Number	331
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3208 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2001 · Amount on Record
Deed Sale	Apr 3, 2001 · Amount on Record
Deed Document Number	200124165
Deed Book / Page	2536 / 1515
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3208 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067901302
Date	Aug 14, 2017
Book Page	6790/1302
Instrument	20170814000506220

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$79,848 (-)	$420,253 (-) Building $420,253
2025	$5,205.00	$79,848 (+7.7%)	$420,253 (+7.7%)
2023		$74,142
2022			$390,221 Land $60,000 Building $330,221

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 100 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