3236 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3236 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,770 sqft · built 2001
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Mar 2024)
Tax Bill	$5,226 (2025)
Deeds & Mortgages	Mar 2024 Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A985000077`

Property Details

APN / Parcel Number

Primary APN	`A985000077`
Alternative APN	`5-116D-7739-00-0324.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,770 sqft Living Area
Gross Area	4,830 sqft
1st Floor Area	1,442 sqft
Basement Area	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	290 sqft

Location & Zoning

Account Number	A985000077
Street Address	3236 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 324
Legal Subdivision	STABLE RIDGE MANOR #3
Legal Lot Number	324
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

3236 Silvertrail Dr is owned and occupied by two individuals who bought it in March 2024.

Source: St. Charles County records, as of September 10, 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	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
May 17, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2024 · Amount on File
Deed Sale	Mar 12, 2024 · Amount on File
Prior Sale	Nov 4, 2019 · Amount on File
Deed Document Number	20249213
Prior Transfer Date	Jul 30, 2018
Prior Transfer Doc	0069571997
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 12, 2024
Property Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0000009213
Map Reference	MB 34 PG 111
Instrument Date	Mar 11, 2024
Instrument	2024R-009213
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3380 31ST AVE NE, NAPLES, FL 34120-2930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	0000009214
Date	Mar 12, 2024
Instrument	2024R-009214

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	0000027954
Date	May 17, 2022
Instrument	2022R-027954

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	May 9, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2019
Property Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0071752489
Book / Page	7175 / 2489
Map Reference	MB 34 PG 111
Instrument Date	Oct 25, 2019
Instrument	20191104000628700
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	20191104000628710
Date	Nov 4, 2019
Instrument	20191104000628710

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3236 Silvertrail Dr was $5,226, up 5.7% 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
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		$80,173 (-)	$421,964 (-) Land $75,000 Building $346,964
2025	$5,226.00 (+5.73%)	$80,173	$421,964 Land $75,000 Building $346,964
2024	$4,943.00
2023		$73,740 (+22.19%)
2022	$4,200.00	$60,347	$388,103 (+22.19%) Land $60,000 Building $328,103
2021			$317,618 Land $50,000 Building $267,618

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 3236 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	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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

The area around 3236 Silvertrail Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 438 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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