331 Senate Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 331 Senate Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,269 sqft · built 1992
Lot Size	0.57 acres (24,829 sqft)
Owner	Trust Name on File
Last Sale	$440,000 (Jul 2021)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Aug 2023 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A883000546`

Property Details

APN / Parcel Number

Primary APN	`A883000546`
Alternative APN	`3-0014-6210-00-0542.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,269 sqft Living Area
Gross Area	4,020 sqft
1st Floor Area	1,259 sqft
Basement Area	1,235 sqft
Finished Basement	925 sqft
Unfinished Basement	310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft
Patio Area	719 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000546
Street Address	331 SENATE CT
City	SAINT CHARLES
State	MO
Zip	63303-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE #27 LOT 542
Legal Subdivision	HERITAGE #27
Legal Lot Number	542
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2008
Census Tract	311145

Owner

331 Senate Ct is owner-occupied and held in a trust since August 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Trust Name on File
Mailing Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Aug 30, 2023	Intrafamily Transfer, Transfer
Jul 20, 2021	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Jul 20, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Deed Document Number	202160904
Last Transfer Date	Aug 23, 2023
Transfer Doc	0000035321
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2023
Property Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445
Document Number	0000035321
Map Reference	MB 26 PG 170
Instrument Date	Aug 23, 2023
Instrument	2023R-035321
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445
Transaction Type	Mortgage
Record Updated	Aug 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R060919
Date	Jul 20, 2021
Instrument	2021R-060919

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Amount	Amount on Record

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 20, 2021
Property Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445
Document Number	2021R060904
Map Reference	MB 26 PG 170
Instrument Date	Jul 19, 2021
Instrument	2021R-060904
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2076 BAYONNE DR, 2076, SAINT CHARLES, MO 63303-5973

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SENATE CT, SAINT CHARLES, MO 63303-8445

Mortgage

Document Number	2021R060905
Date	Jul 20, 2021
Instrument	2021R-060905

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 331 Senate Ct was $4,558, up 5.5% 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
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$75,987 (-)	$399,933 (-) Land $80,000 Building $319,933
2025	$4,558.00 (+5.51%)	$75,987	$399,933 Land $80,000 Building $319,933
2024	$4,320.00
2023		$69,888
2022			$367,830 Land $70,000 Building $297,830

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 331 Senate Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 331 Senate Ct 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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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