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3312 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3312 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,750 sqft · built 1999
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on Record
Last Sale$211,736 (Feb 2021)
Tax Bill$4,268 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Jun 2021 Sale
Flood ZoneZone X (minimal risk)
APNA975000156

Property Details

APN / Parcel Number

Primary APNA975000156
Alternative APN
  • 5-116D-7696-00-0305.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,750 sqft Living Area
Gross Area3,908 sqft
1st Floor Area1,750 sqft
Basement Area1,750 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area9,583 sqft (0.22 acres)
Garage TypeAttached
Garage Area408 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area84 sqft
Patio Area100 sqft

Location & Zoning

Account NumberA975000156
Street Address3312 SILVERTRAIL DR
CitySAINT CHARLES
StateMO
Zip63301-3251
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTABLE RIDGE MANOR #1 LOT 305
Legal SubdivisionSTABLE RIDGE MANOR #1
Legal Lot Number305
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group1
Census Block1001
Census Tract310202

Owner

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 RecordIndividual Name on Record
Mailing Address3312 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
BROKER SOLUTIONS INC
Jun 29, 2021Beneficiary Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 19, 2021 · Amount on Record
Deed SaleFeb 19, 2021 · Amount on Record
Prior SaleSep 5, 2014 · Amount on Record
Deed Document Number202114877
Prior Transfer DateFeb 12, 2021
Prior Transfer Doc0000014877
Record UpdatedOct 29, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address3312 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251
Transaction TypeMortgage
Record UpdatedNov 23, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3312 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251

Mortgage

Document Number2021R014878
DateFeb 19, 2021
Instrument2021R-014878
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
AddressTUSTIN, CA 92780
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueMar 1, 2041

June 2021: Beneficiary Deed, Transfer

Document TypeBeneficiary Deed
JurisdictionST CHARLES MO
Recording DateJun 29, 2021
Property Address3312 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251
Document Number2021R054747
Map ReferenceMB 34 PG 46
Instrument DateJun 29, 2021
Instrument2021R-054747
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address3312 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$65,387 (-)$344,142 (-) Land $75,000 Building $269,142
2025$4,268.00 (+7.18%)$65,387 (+10.26%)$344,142 (+10.26%) Land $75,000 Building $269,142
2024$3,982.00
2023$59,303
2022$312,121 Land $60,000 Building $252,121

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims37 (1979–2022)
Claims Outside the SFHA2 of 37
Most Recent ClaimJul 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 RiskNot 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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