3245 Silvertrail Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3245 Silvertrail Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,823 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,744 (Mar 2001)
Tax Bill	$5,547 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A985000036`

Property Details

APN / Parcel Number

Primary APN	`A985000036`
Alternative APN	`5-116D-7738-00-0373.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,823 sqft Living Area
Gross Area	4,889 sqft
1st Floor Area	1,507 sqft
Basement Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Location & Zoning

Account Number	A985000036
Street Address	3245 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 373
Legal Subdivision	STABLE RIDGE MANOR #2
Legal Lot Number	373
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	3245 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Mar 16, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING
Jul 1, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2001 · Amount on Record
Deed Sale	Mar 1, 2001 · Amount on Record
Deed Document Number	200114444
Deed Book / Page	2513 / 46
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3245 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072140501
Date	Jan 10, 2020
Book Page	7214/0501
Instrument	20200110000019460

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3245 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Document Number	0068951896
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3245 SILVERTRAIL CT ST CHARLES MO 633013240, ST CHARLES, MO 63301-3240

Mortgage

Document Number	0068951896
Date	Mar 23, 2018
Book Page	006895/001896
Instrument	157000

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3245 SILVERTRAIL CT, SAINT CHARLES, MO 63301-3240
Document Number	0067791552
Book / Page	006779 / 001552
Instrument Date	Jul 1, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3245 SILVERTRAIL CT ST CHARLES MO 633013240, ST CHARLES, MO 63301-3240

Mortgage

Document Number	0067791552
Date	Jul 24, 2017
Book Page	006779/001552
Instrument	457040

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

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		$85,127 (-)	$448,039 (-) Land $75,000 Building $373,039
2025	$5,547.00	$85,127 (+11.76%)	$448,039 (+11.76%) Land $75,000 Building $373,039
2023		$76,170
2022			$400,896 Land $60,000 Building $340,896

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.

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