321 Senate Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 321 Senate Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,295 sqft · built 1992
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Mar 2019)
Tax Bill	$5,310 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883000545`

Property Details

APN / Parcel Number

Primary APN	`A883000545`
Alternative APN	`3-0014-6210-00-0541.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,295 sqft Living Area
Gross Area	4,243 sqft
1st Floor Area	1,375 sqft
Basement Area	1,307 sqft
Finished Basement	800 sqft
Unfinished Basement	507 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	210 sqft
Deck Area	Deck Area
Patio Area	328 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000545
Street Address	321 SENATE CT
City	SAINT CHARLES
State	MO
Zip	63303-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE #27 LOT 541
Legal Subdivision	HERITAGE #27
Legal Lot Number	541
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2008
Census Tract	311145

Owner

321 Senate Ct is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 SENATE CT, SAINT CHARLES, MO 63303-8445
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	201998170
Deed Book / Page	7043 / 329
Prior Transfer Date	Feb 27, 2019
Prior Transfer Doc	0070430327
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	321 SENATE CT, SAINT CHARLES, MO 63303-8445
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SENATE CT, SAINT CHARLES, MO 63303-8445

Mortgage

Document Number	0000030781
Date	Apr 8, 2021
Instrument	2021R-030781

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 321 Senate Ct was $5,310, up 9.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,603 (-)	$466,332 (-) Land $80,000 Building $386,332
2025	$5,310.00 (+9.12%)	$88,603	$466,332 Land $80,000 Building $386,332
2024	$4,866.00
2023		$78,771
2022			$414,585 Land $70,000 Building $344,585

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 Senate Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 321 Senate Ct is low, with less than 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 99.8% of the US · lower than 99.6% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 391 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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