3248 Rivercrossing Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3248 Rivercrossing Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Apr 2026)
Tax Bill	$4,413 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T070500394`

Property Details

APN / Parcel Number

Primary APN	`T070500394`
Alternative APN	`5-116C-A003-00-079B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,784 sqft
Basement Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500394
Street Address	3248 RIVERCROSSING PL
City	SAINT CHARLES
State	MO
Zip	63301-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #1 LOT 79B
Legal Subdivision	CHARLESTOWNE #1
Legal Lot Number	79B
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2006
Census Tract	310201

Owner

3248 Rivercrossing Pl is owned and occupied by two individuals who bought it in April 2026.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jan 28, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 28, 2022	Warranty Deed, Transfer · FHA Mortgage MIDWEST BANK CENTRE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Dec 28, 2022 · Amount on File
Deed Document Number	202614862
Prior Transfer Date	Mar 15, 2011
Prior Transfer Doc	0000173190
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000017592
Date	May 9, 2023
Instrument	2023R-017592

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000003426
Date	Jan 28, 2025
Instrument	2025R-003426

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2026
Property Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Document Number	0000014862
Instrument Date	Mar 27, 2026
Instrument	202614862
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000014863,
Date	Apr 1, 2026
Instrument	202614863

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 28, 2022
Property Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691
Document Number	0000067752
Map Reference	MB 43 PG 6
Instrument Date	Dec 19, 2022
Instrument	2022R-067752
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4691

Mortgage

Document Number	0000067753
Date	Dec 28, 2022
Instrument	2022R-067753

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3248 Rivercrossing Pl was $4,413, up 8% 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		$67,628 (-)	$355,937 (-) Land $55,500 Building $300,437
2025	$4,413.00 (+7.98%)	$67,628	$355,937 Land $55,500 Building $300,437
2024	$4,087.00
2023		$60,885
2022			$320,450 Land $50,000 Building $270,450

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 3248 Rivercrossing Pl in Zone X, an area of moderate flood risk, within 500 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 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

The area around 3248 Rivercrossing Pl 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 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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