3243 Silvertrail Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3243 Silvertrail Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 2000
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,359 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A985000035`

Property Details

APN / Parcel Number

Primary APN	`A985000035`
Alternative APN	`5-116D-7738-00-0372.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
Gross Area	4,006 sqft
1st Floor Area	1,688 sqft
Basement Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	224 sqft

Location & Zoning

Account Number	A985000035
Street Address	3243 SILVERTRAIL CT
City	SAINT CHARLES
State	MO
Zip	63301-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #2 LOT 372
Legal Subdivision	STABLE RIDGE MANOR #2
Legal Lot Number	372
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

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	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK/STATE CHARLES
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
May 26, 2022	Deed of Trust, Mortgage · Line of Credit NEW FRONTIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2020
Deed Sale	Jun 5, 2020
Prior Sale	Aug 3, 2000 · Amount on Record
Deed Document Number	2020377080
Deed Book / Page	7313 / 1591
Prior Transfer Date	May 13, 2020
Prior Transfer Doc	0000377080
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2026
Property Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Document Number	0000032102
Instrument Date	Jun 26, 2026
Instrument	202632102
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240

Mortgage

Document Number	0000032102,
Date	Jul 9, 2026
Instrument	202632102

Lender

Name	FIRST STATE BANK/STATE CHARLES

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 26, 2027

Interest

Rate	6.53%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240

Mortgage

Document Number	0000019087
Date	Apr 4, 2022
Instrument	2022R-019087

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240

Mortgage

Document Number	0000029823
Date	May 26, 2022
Instrument	2022R-029823

Lender

Name	NEW FRONTIER BANK
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$66,793 (-)	$351,541 (-) Land $75,000 Building $276,541
2025	$4,359.00 (+25.26%)	$66,793 (+7.23%)	$351,541 (+7.23%) Land $75,000 Building $276,541
2023		$62,289 (+24.77%)
2022	$3,480.00	$49,923	$327,836 (+24.77%) Land $60,000 Building $267,836
2021			$262,753 Land $50,000 Building $212,753

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Nearby Properties on Silvertrail Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures