3308 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3308 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,399 sqft · built 2001
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$140,200 (Jan 2003)
Tax Bill	$3,613 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A975000157`

Property Details

APN / Parcel Number

Primary APN	`A975000157`
Alternative APN	`5-116D-7696-00-0306.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,399 sqft Living Area
Gross Area	3,168 sqft
1st Floor Area	1,399 sqft
Basement Area	1,329 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	102 sqft

Location & Zoning

Account Number	A975000157
Street Address	3308 SILVERTRAIL DR
City	SAINT CHARLES
State	MO
Zip	63301-3251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STABLE RIDGE MANOR #1 LOT 306 & PT LOT 307
Legal Subdivision	STABLE RIDGE MANOR #1
Legal Lot Number	306
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

3308 Silvertrail Dr is owned and occupied by two individuals who bought it in January 2003.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3308 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2003 · Amount on File
Deed Sale	Jan 16, 2003 · Amount on File
Prior Sale	Apr 5, 2001 · Amount on File
Deed Document Number	20038503
Deed Book / Page	3208 / 1272
Prior Transfer Date	Dec 18, 2002
Prior Transfer Doc	0000008503
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3308 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3308 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251

Mortgage

Document Number	2021R034179
Date	Apr 19, 2021
Instrument	2021R-034179

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3308 Silvertrail Dr was $3,613.

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		$55,268 (-)	$290,886 (-) Land $75,000 Building $215,886
2025	$3,613.00	$55,268	$290,886 Land $75,000 Building $215,886
2023		$51,978
2022			$273,570 Land $60,000 Building $213,570

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 3308 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

Wildfire risk around 3308 Silvertrail Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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