3209 Droste Rd, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3209 Droste Rd, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,869 sqft · built 1970
Lot Size	0.264 acres (11,520 sqft)
Owner	2 Individual Names on File
Last Sale	$142,500 (Mar 2010)
Tax Bill	$3,636 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`100250A000`

Property Details

APN / Parcel Number

Primary APN	`100250A000`
Alternative APN	`6-005D-4544-00-0207.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,869 sqft Living Area
Gross Area	3,414 sqft
1st Floor Area	1,064 sqft
Basement Area	950 sqft
Finished Basement	855 sqft
Unfinished Basement	95 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,520 sqft (0.264 acres)
Lot Dimensions	128 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	100250A000
Street Address	3209 DROSTE RD
City	SAINT CHARLES
State	MO
Zip	63301-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WILLOW BROOK #2 LOT 207
Legal Subdivision	WILLOW BROOK #2
Legal Lot Number	207
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2002
Census Tract	310700

Owner

3209 Droste Rd is owned and occupied by two individuals who bought it in March 2010.

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 File
Mailing Address	3209 DROSTE RD, SAINT CHARLES, MO 63301-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2010 · Amount on File
Deed Sale	Mar 19, 2010 · Amount on File
Prior Sale	Aug 6, 2009 · Amount on File
Deed Document Number	2010161730
Deed Book / Page	5355 / 2308
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3209 DROSTE RD, SAINT CHARLES, MO 63301-1110
Document Number	0000069248
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 DROSTE RD ST CHARLES MO 633011110, ST CHARLES, MO 63301-1110

Mortgage

Document Number	0000069248
Date	Sep 18, 2020
Instrument	69248

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 17, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3209 Droste Rd was $3,636.

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		$58,063 (-)	$305,595 (-) Land $40,000 Building $265,595
2025	$3,636.00	$58,063	$305,595 Land $40,000 Building $265,595
2023		$57,278
2022			$301,464 Land $40,000 Building $261,464

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 3209 Droste Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1978–2015)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 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

Wildfire risk around 3209 Droste Rd is low, with a 0.01% annual chance of 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	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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20