321 Sturbridge Dr, Saint Charles, MO 63303 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,550 sqft · built 2015
Lot Size	0.313 acres (13,617 sqft)
Owner	2 Individual Names on Record
Last Sale	$496,000 (Apr 2019)
Tax Bill	$7,575 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T160800010`

Property Details

APN / Parcel Number

Primary APN	`T160800010`
Alternative APN	`3-0162-C189-00-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,550 sqft Living Area
Gross Area	5,880 sqft
1st Floor Area	2,550 sqft
Basement Area	2,550 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	13,617 sqft (0.313 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160800010
Street Address	321 STURBRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63303-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTS AT TALBRIDGE #1 LOT 6
Legal Subdivision	ESTS AT TALBRIDGE #1
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1034
Census Tract	311003

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage CELEBRITY HOME LOANS LLC
Dec 27, 2022	Beneficiary Deed, Transfer
Apr 30, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Apr 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Prior Sale	Jul 22, 2015 · Amount on Record
Deed Document Number	2019200010
Deed Book / Page	7066 / 1972
Last Transfer Date	Dec 27, 2022
Transfer Doc	0000067494
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607

Mortgage

Document Number	0000089903
Date	Nov 19, 2020
Instrument	2020R-089903

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2050

December 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2022
Property Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607
Document Number	0000067494
Map Reference	MB 48 PG 69
Instrument Date	Dec 27, 2022
Instrument	2022R-067494
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 30, 2019
Property Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607
Document Number	0070661972
Book / Page	007066 / 001972
Instrument Date	Apr 25, 2019
Instrument	200010
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 STURBRIDGE DR ST CHARLES MO 633031607, ST CHARLES, MO 63303-1607

Mortgage

Document Number	70661974
Date	Apr 30, 2019
Book Page	007066/001974
Instrument	200020

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 5, 2017
Property Address	321 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607
Document Number	0067231030
Book / Page	006723 / 001030
Instrument Date	Mar 22, 2017
Instrument	204720
Transaction Type	Transfer
Record Updated	Apr 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	321 STURBRIDGE DR ST CHARLES MO 633031607, ST CHARLES, MO 63303-1607

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,084 (-)	$695,177 (-) Land $141,428 Building $553,749
2025	$7,575.00	$132,084 (+15.37%)	$695,177 (+15.37%) Land $141,428 Building $553,749
2023		$114,487
2022			$602,564 Land $90,000 Building $512,564

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	9 (2003–2022)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 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 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	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 658 locations within half a mile, as of December 31, 2025

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