3292 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3292 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,882 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jan 2000)
Tax Bill	$4,331 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A975000161`

Property Details

APN / Parcel Number

Primary APN	`A975000161`
Alternative APN	`5-116D-7696-00-0310.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,882 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,882 sqft
Basement Area	1,862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	56 sqft
Patio Area	300 sqft

Location & Zoning

Account Number	A975000161
Street Address	3292 SILVERTRAIL DR
City	SAINT CHARLES
State	MO
Zip	63301-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STABLE RIDGE MANOR #1 LOT 310
Legal Subdivision	STABLE RIDGE MANOR #1
Legal Lot Number	310
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

3292 Silvertrail Dr is owned and occupied by two individuals who acquired it in September 2024.

Source: St. Charles County records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3292 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
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 10, 2019	Deed of Trust, Mortgage · FHA Mortgage ENDEAVOR CAP
Sep 7, 2018	Deed of Trust, Mortgage · FHA Mortgage ENDEAVOR CAP
Apr 27, 2017	Deed of Trust, Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2000 · Amount on File
Deed Sale	Jan 18, 2000 · Amount on File
Prior Sale	Jan 18, 2000 · Amount on File
Deed Document Number	20003292
Deed Book / Page	2353 / 47
Last Transfer Date	Sep 24, 2024
Transfer Doc	0000039228
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3292 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241

Mortgage

Document Number	2021R094614
Date	Nov 18, 2021
Instrument	2021R-094614

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3292 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0071061355
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 SILVERTRAIL DR ST CHARLES MO 633013241, ST CHARLES, MO 63301-3241

Mortgage

Document Number	0071061355
Date	Jul 17, 2019
Book Page	007106/001355
Instrument	363310

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3292 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0069760618
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 SILVERTRAIL DR ST CHARLES MO 633013241, ST CHARLES, MO 63301-3241

Mortgage

Document Number	0069760618
Date	Sep 12, 2018
Book Page	006976/000618
Instrument	524250

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3292 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3241
Document Number	0067371384
Book / Page	006737 / 001384
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 SILVERTRAIL DR ST CHARLES MO 633013241, ST CHARLES, MO 63301-3241

Mortgage

Document Number	0067371384
Date	May 2, 2017
Book Page	006737/001384
Instrument	267320

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3292 Silvertrail Dr was $4,331, up 2.6% 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		$66,361 (-)	$349,270 (-) Land $75,000 Building $274,270
2025	$4,331.00 (+2.58%)	$66,361	$349,270 Land $75,000 Building $274,270
2024	$4,222.00
2023		$62,910
2022			$331,103 Land $60,000 Building $271,103

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 3292 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 3292 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.

Nearby Properties on Silvertrail Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures