321 Blanche Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 321 Blanche Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,356 sqft · built 1969
Lot Size	1.28 acres (56,100 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Feb 2017)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`430800A000`

Property Details

APN / Parcel Number

Primary APN	`430800A000`
Alternative APN	`3-0117-4359-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,356 sqft Living Area
Gross Area	2,456 sqft
1st Floor Area	1,444 sqft
Basement Area	1,012 sqft
Finished Basement	912 sqft
Unfinished Basement	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,100 sqft
Lot Dimensions	550 ft deep x 102 ft wide
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	104 sqft
Deck Area	Deck Area
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	430800A000
Street Address	321 BLANCHE DR
City	SAINT CHARLES
State	MO
Zip	63303-5906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MITTLER AC PT LOTS 22 & 23 & 15
Legal Subdivision	MITTLER AC
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1031
Census Tract	311001

Owner

321 Blanche Dr is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 BLANCHE DR, SAINT CHARLES, MO 63303-5906
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Feb 15, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2017 · Amount on File
Deed Sale	Feb 15, 2017 · Amount on File
Prior Sale	Oct 16, 2012 · Amount on File
Deed Document Number	201799350
Deed Book / Page	6699 / 2481
Prior Transfer Date	Jan 3, 2002
Prior Transfer Doc	0027940646
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	321 BLANCHE DR, SAINT CHARLES, MO 63303-5906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070241276
Date	Jan 11, 2019
Book Page	7024/1276
Instrument	20190111000016210

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2017
Property Address	321 BLANCHE DR, SAINT CHARLES, MO 63303-5906
Document Number	0066992481
Book / Page	6699 / 2481
Instrument Date	Feb 13, 2017
Instrument	20170215000099350
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	814 BALD HILL RD, 814, EUREKA, MO 63025-2057

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BLANCHE DR, SAINT CHARLES, MO 63303-5906

Mortgage

Document Number	20170215000099360
Date	Feb 15, 2017
Instrument	20170215000099360

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 321 Blanche Dr was $3,176.

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,059 (-)	$289,785 (-) Building $289,785
2025	$3,176.00	$55,059	$289,785 Building $289,785
2024	$3,176.00
2023		$53,491
2022			$281,532 Land $40,000 Building $241,532

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 321 Blanche Dr in Zone X, an area of minimal flood risk, though there have been 36 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	36 (1978–2019)
Claims Outside the SFHA	6 of 36
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 4 claims Severe Storms & Flooding, Aug 1993 · 12 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 321 Blanche Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.02% 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless 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

May also be available: Wisper ISP.

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