3305 Apple Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3305 Apple Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,213 sqft · built 1988
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual on Record
Tax Bill	$4,086 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`A885000119`

Property Details

APN / Parcel Number

Primary APN	`A885000119`
Alternative APN	`5-0080-6243-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,213 sqft Living Area
Gross Area	3,960 sqft
1st Floor Area	1,285 sqft
Basement Area	1,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A885000119
Street Address	3305 APPLE DR
City	SAINT CHARLES
State	MO
Zip	63301-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW BLUFFS REV PLAT LOT 43
Legal Subdivision	MEADOW BLUFFS REV PLAT
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1019
Census Tract	310202

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	3305 APPLE DR, SAINT CHARLES, MO 63301-3210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 5, 2019	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2025
Deed Sale	Apr 11, 2025
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	202514336
Prior Transfer Date	Apr 4, 2025
Prior Transfer Doc	0000014336
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2022
Property Address	3305 APPLE DR, SAINT CHARLES, MO 63301-3210
Document Number	0000041794
Map Reference	MB 27 PG 21&22
Instrument Date	Jul 22, 2022
Instrument	2022R-041794
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3305 APPLE DR, SAINT CHARLES, MO 63301-3210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 APPLE DR, SAINT CHARLES, MO 63301-3210

Mortgage

Document Number	0000041795
Date	Jul 27, 2022
Instrument	2022R-041795

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 5, 2019
Property Address	3305 APPLE DR, SAINT CHARLES, MO 63301-3210
Document Number	0071361434
Book / Page	007136 / 001434
Instrument Date	Aug 28, 2019
Instrument	477790
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3305 APPLE DR ST CHARLES MO 633013210, ST CHARLES, MO 63301-3210

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$4,086.00 (+11.4%)	$62,578 (+14.61%)	$329,359 (+14.61%) Land $60,000 Building $269,359
2024	$3,668.00 (+11.97%)
2023		$54,600 (+16.24%)
2022	$3,276.00	$46,971	$287,367 (+16.24%) Land $40,000 Building $247,367
2021			$247,220 Land $30,000 Building $217,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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

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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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