St. Charles County property record for 3247 River Breeze Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,640 sqft · built 2023 |
| Lot Size | 0.149 acres (6,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $401,090 (Aug 2023) |
| Tax Bill | $5,257 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T220500191 |
| Primary APN | T220500191 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 3,760 sqft |
| Basement Area | 1,120 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,499 sqft (0.149 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T220500191 |
|---|---|
| Street Address | 3247 RIVER BREEZE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BREEZE ESTS #1 LOT 58 |
| Legal Subdivision | RIVER BREEZE ESTS #1 |
| Legal Lot Number | 58 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 310202 |
3247 River Breeze Dr is owned and occupied by two individuals who bought it in August 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3247 RIVER BREEZE DR, SAINT CHARLES, MO 63301-4545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC |
| Aug 22, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage RED DIAMOND HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on File |
| Deed Sale | Aug 22, 2023 · Amount on File |
| Deed Document Number | 202333943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3247 RIVER BREEZE DR, SAINT CHARLES, MO 63301-4545 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3247 RIVER BREEZE DR, SAINT CHARLES, MO 63301-4545 |
| Document Number | 0000047252 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 2025R-047252 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 22, 2023 |
| Property Address | 3247 RIVER BREEZE DR, SAINT CHARLES, MO 63301-4545 |
| Document Number | 0000033943 |
| Map Reference | DOC 2021R-091692 |
| Instrument Date | Aug 18, 2023 |
| Instrument | 2023R-033943 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16141 SWINGLEY RIDGE RD # RD109, RD109, CHESTERFIELD, MO 63017-1774 |
| Name | Verified Name |
|---|---|
| Address | 3247 RIVER BREEZE DR, SAINT CHARLES, MO 63301-4545 |
| Document Number | 0000033944 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 2023R-033944 |
| Name | RED DIAMOND HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 3247 River Breeze Dr was $5,257.
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 | $80,650 (-) | $424,474 (-) Land $60,000 Building $364,474 | |
| 2025 | $5,257.00 | $80,650 | $424,474 Land $60,000 Building $364,474 |
| 2023 | $11,400 | ||
| 2022 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3247 River Breeze Dr in Zone X, an area of moderate flood risk, though there have been 37 flood claims nearby since 1979.
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 |
| 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.
The area around 3247 River Breeze 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.
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 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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