3256 Rivercrossing Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3256 Rivercrossing Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,780 sqft · built 2018
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$292,540 (Jul 2018)
Tax Bill	$6,503 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T180500060`

Property Details

APN / Parcel Number

Primary APN	`T180500060`
Alternative APN	`5-116C-C491-00-0231.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
Basement Area	1,780 sqft
Finished Basement	750 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,625 sqft (0.198 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T180500060
Street Address	3256 RIVERCROSSING PL
City	SAINT CHARLES
State	MO
Zip	63301-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE CROSSING #5 LOT 231
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE CROSSING #5
Legal Lot Number	231
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2004
Census Tract	310201

Owner

3256 Rivercrossing Pl is owned and occupied by an individual who bought it in July 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3256 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4816
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
Dec 21, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2019	Deed of Trust, Mortgage · VA Mortgage SUNTRUST BANK
Jul 23, 2018	Special Warranty Deed, Transfer · VA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2018 · Amount on File
Deed Sale	Jul 23, 2018 · Amount on File
Deed Document Number	0069511270
Deed Book / Page	6951 / 1270
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3256 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4816
Transaction Type	Mortgage
Record Updated	Jan 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102589
Date	Dec 21, 2021
Instrument	2021R-102589

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3256 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071700372
Date	Oct 28, 2019
Book Page	7170/0372
Instrument	20191028000605970

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2018
Property Address	3256 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4816
Document Number	0069511270
Book / Page	6951 / 1270
Map Reference	MB 49 PG 168
Instrument Date	Jul 19, 2018
Instrument	20180723000412410
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DEPENDABLE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD300, 16091, CAPE GIRARDEAU, MO 63701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3256 RIVERCROSSING PL, SAINT CHARLES, MO 63301-4816

Mortgage

Document Number	20180723000412420
Date	Jul 23, 2018
Instrument	20180723000412420

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3256 Rivercrossing Pl was $6,503.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$6,503.00	$73,250	$385,525 Land $73,999 Building $311,526
2023		$70,365
2022			$370,342 Land $66,666 Building $303,676

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 3256 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 3256 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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