St. Charles County property record for 3224 Silvertrail Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,228 sqft · built 2000 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Sep 2016) |
| Tax Bill | $4,881 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A985000080 |
| Primary APN | A985000080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,228 sqft Living Area |
| Gross Area | 4,963 sqft |
| 1st Floor Area | 2,228 sqft |
| Basement Area | 2,210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 132 sqft |
| Account Number | A985000080 |
|---|---|
| Street Address | 3224 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 327 |
| Legal Subdivision | STABLE RIDGE MANOR #3 |
| Legal Lot Number | 327 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 310202 |
3224 Silvertrail Dr is owned and occupied by an individual who acquired it in October 2024.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3224 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 28, 2020 | Deed of Trust, Mortgage FIRST ST BK/ST CHARLES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2016 · Amount on File |
| Deed Sale | Sep 19, 2016 · Amount on File |
| Prior Sale | Dec 13, 2000 · Amount on File |
| Deed Document Number | 2016613700 |
| Deed Book / Page | 6614 / 1761 |
| Last Transfer Date | Oct 9, 2024 |
| Transfer Doc | 0000042720 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3224 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3224 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241 |
| Document Number | 0000003789 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 2024R-003789 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 26, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3224 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241 |
| Document Number | 0000002005 |
| Instrument Date | Dec 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3224 SILVERTRAIL DR ST CHARLES MO 633013241, ST CHARLES, MO 63301-3241 |
| Document Number | 0000002005 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 2005 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jan 6, 2041 |
The 2025 property tax bill for 3224 Silvertrail Dr was $4,881.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $74,846 (-) | $393,928 (-) Land $75,000 Building $318,928 | |
| 2025 | $4,881.00 | $74,846 | $393,928 Land $75,000 Building $318,928 |
| 2023 | $73,857 | ||
| 2022 | $388,720 Land $60,000 Building $328,720 |
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.
FEMA maps place 3224 Silvertrail Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File 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 |
|
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 risk around 3224 Silvertrail Dr 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 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.
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 |
| 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.
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 |
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