3248 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3248 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,458 sqft · built 2000
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Oct 2018)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A985000033`

Property Details

APN / Parcel Number

Primary APN	`A985000033`
Alternative APN	`5-116D-7738-00-0321.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,458 sqft Living Area
Gross Area	2,943 sqft
1st Floor Area	975 sqft
Basement Area	865 sqft
Finished Basement	780 sqft
Unfinished Basement	85 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	451 sqft
Porch	Open Porch
Porch Area	90 sqft
Patio Area	911 sqft

Location & Zoning

Account Number	A985000033
Street Address	3248 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 #2 LOT 321
Legal Subdivision	STABLE RIDGE MANOR #2
Legal Lot Number	321
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

3248 Silvertrail Dr is owned and occupied by two individuals who bought it in October 2018.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on File
Deed Sale	Oct 29, 2018 · Amount on File
Prior Sale	Jul 27, 2000 · Amount on File
Deed Document Number	2018616280
Deed Book / Page	6996 / 709
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	2021R014988
Date	Feb 22, 2021
Instrument	2021R-014988

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071561986
Date	Oct 4, 2019
Book Page	7156/1986
Instrument	20191004000554940

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2039

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 29, 2018
Property Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0069960709
Book / Page	6996 / 0709
Map Reference	MB 34 PG 109
Instrument Date	Oct 25, 2018
Instrument	20181029000616280
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 387, SAINT CHARLES, MO 63302-0387

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	20181029000616290
Date	Oct 29, 2018
Instrument	20181029000616290

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

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	Assessed Value	Assessed Market Value
2026	$64,404	$338,970 Building $338,970
2023	$59,101
2022		$311,058 Land $60,000 Building $251,058

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 Silvertrail Dr in Zone X, an area of minimal 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 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 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 3248 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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