3280 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3280 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,514 sqft · built 2001
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Trust Names on File
Last Sale	$300,000 (Jun 2025)
Tax Bill	$3,854 (2025)
Deeds & Mortgages	Sep 2025 Transfer May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A985000025`

Property Details

APN / Parcel Number

Primary APN	`A985000025`
Alternative APN	`5-116D-7738-00-0313.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,514 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	1,514 sqft
Basement Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	66 sqft

Location & Zoning

Account Number	A985000025
Street Address	3280 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 313
Legal Subdivision	STABLE RIDGE MANOR #2
Legal Lot Number	313
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

3280 Silvertrail Dr is held in a trust since June 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Trust Names on File
Mailing Address	8947 HIGHWAY DD, O FALLON, MO 63368-6508
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Sep 29, 2025	Intrafamily Transfer, Transfer
May 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Oct 4, 2017	Quit Claim Deed, Transfer · FHA Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on File
Deed Sale	Jun 18, 2025 · Amount on File
Prior Sale	May 18, 2021 · Amount on File
Deed Document Number	202525717
Prior Transfer Date	May 1, 2021
Prior Transfer Doc	2021R043294
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2025
Property Address	3280 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0000043070
Map Reference	MB 34 PG 109&110
Instrument Date	Sep 29, 2025
Instrument	2025R-043070
Transaction Type	Transfer
Record Updated	Oct 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8947 HIGHWAY DD, O FALLON, MO 63368-6508

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	8947 HIGHWAY DD, O FALLON, MO 63368-6508

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 18, 2021
Property Address	3280 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	2021R043294
Map Reference	MB 34 PG 109
Instrument Date	May 1, 2021
Instrument	2021R-043294
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3280 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	2021R043295
Date	May 18, 2021
Instrument	2021R-043295

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3280 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	0073151143
Date	Jun 9, 2020
Book Page	7315/1143
Instrument	20200609000384740

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 4, 2017
Property Address	3280 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0068172201
Book / Page	006817 / 002201
Instrument Date	Sep 29, 2017
Instrument	623440
Transaction Type	Transfer
Record Updated	Oct 13, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3280 SILVERTRAIL DR ST CHARLES MO 633013241, ST CHARLES, MO 63301-3241

Mortgage

Document Number	68172203
Date	Oct 4, 2017
Book Page	006817/002203
Instrument	623450

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 3, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3280 Silvertrail Dr was $3,854, up 4.3% 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		$58,996 (-)	$310,506 (-) Land $75,000 Building $235,506
2025	$3,854.00 (+4.33%)	$58,996	$310,506 Land $75,000 Building $235,506
2024	$3,694.00
2023		$54,979
2022			$289,361 Land $60,000 Building $229,361

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 3280 Silvertrail Dr in Zone X, an area of minimal 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 minimal risk
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 3280 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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