3228 Rivercrossing Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3228 Rivercrossing Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 2010
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (May 2018)
Tax Bill	$3,581 (2025)
Deeds & Mortgages	Sep 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T070500399`

Property Details

APN / Parcel Number

Primary APN	`T070500399`
Alternative APN	`5-116C-A003-00-084B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,595 sqft Living Area
Gross Area	2,603 sqft
1st Floor Area	1,035 sqft
Basement Area	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500399
Street Address	3228 RIVERCROSSING PL
City	SAINT CHARLES
State	MO
Zip	63301-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #1 LOT 84B
Legal Subdivision	CHARLESTOWNE #1
Legal Lot Number	84B
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2006
Census Tract	310201

Owner

Source: St. Charles County records, as of October 6, 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	3228 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 9, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2018 · Amount on File
Deed Sale	May 9, 2018 · Amount on File
Prior Sale	Mar 3, 2017
Deed Document Number	2018256800
Deed Book / Page	6916 / 2017
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0000131240
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3228 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000069062
Date	Sep 17, 2020
Instrument	2020R-069062

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 9, 2018
Property Address	3228 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Document Number	0000256800
Book / Page	6916 / 2017
Map Reference	MB 43 PG 6
Instrument Date	May 8, 2018
Instrument	20180509000256800
Transaction Type	Transfer
Record Updated	Aug 16, 2022

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	367 SYLVESTER AVE, 367, SAINT LOUIS, MO 63119-3831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000256810
Date	May 9, 2018
Instrument	20180509000256810

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,786 (-)	$288,346 (-) Land $55,500 Building $232,846
2025	$3,581.00 (+22.18%)	$54,786 (+2.71%)	$288,346 (+2.71%) Land $55,500 Building $232,846
2023		$53,341 (+27.08%)
2022	$2,931.00	$41,974	$280,744 (+27.08%) Land $50,000 Building $230,744
2021			$220,915 Land $45,000 Building $175,915

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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	Not rated no burnable land within 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 688 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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