St. Charles County property record for 3309 Joyce Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1962 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Jun 2008) |
| Tax Bill | $1,751 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2019 Loan Modification + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 886050A000 |
| Primary APN | 886050A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 100 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 886050A000 |
|---|---|
| Street Address | 3309 JOYCE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | TWILL MANOR #1 LOT 10 |
| Legal Subdivision | TWILL MANOR #1 |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 310202 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3309 JOYCE DR, SAINT CHARLES, MO 63301-0110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 29, 2019 | Loan Modification, Mortgage WELLS FARGO BK |
| Jan 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2008 · Amount on Record |
| Deed Sale | Jun 19, 2008 · Amount on Record |
| Deed Document Number | 2008443110 |
| Deed Book / Page | 5008 / 677 |
| Prior Transfer Date | Dec 3, 2001 |
| Prior Transfer Doc | 0000110125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 18, 2026 |
| Property Address | 3309 JOYCE DR, SAINT CHARLES, MO 63301-0110 |
| Document Number | 0000023103 |
| Instrument Date | May 9, 2026 |
| Instrument | 202623103 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3309 JOYCE DR, SAINT CHARLES, MO 63301-0110 |
| Document Number | 0000023103, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202623103 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3309 JOYCE DR, SAINT CHARLES, MO 63301-0110 |
| Document Number | 0070400862 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3309 JOYCE DR ST CHARLES MO 633010110, ST CHARLES, MO 63301-0110 |
| Document Number | 0070400862 |
|---|---|
| Date | Feb 27, 2019 |
| Book Page | 007040/000862 |
| Instrument | 86560 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Rate | 5.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3309 JOYCE DR, SAINT CHARLES, MO 63301-0110 |
| Document Number | 0070361560 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3309 JOYCE DR ST CHARLES MO 633010110, ST CHARLES, MO 63301-0110 |
| Document Number | 0070361560 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 007036/001560 |
| Instrument | 71130 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2049 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25,724 (-) | $135,392 (-) Land $25,000 Building $110,392 | |
| 2025 | $1,751.00 | $25,724 (+0.31%) | $135,392 (+0.32%) Land $25,000 Building $110,392 |
| 2023 | $25,644 | ||
| 2022 | $134,965 Land $25,000 Building $109,965 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 113 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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