St. Charles County property record for 3314 Joyce Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1964 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Dec 2017) |
| Tax Bill | $1,838 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 886440A000 |
| Primary APN | 886440A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 2,304 sqft |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 886440A000 |
|---|---|
| Street Address | 3314 JOYCE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | TWILL MANOR #1 LOT 26 |
| Legal Subdivision | TWILL MANOR #1 |
| Legal Lot Number | 26 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 310202 |
3314 Joyce Dr is owned and occupied by an individual who bought it in December 2017.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3314 JOYCE DR, SAINT CHARLES, MO 63301-0111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPGROW HOME MORTGAGE LLC |
| Dec 19, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULASKI SERVICE CORPORATION |
| Jun 30, 2017 | Grant Deed, Transfer HILLSBORO TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2017 · Amount on File |
| Deed Sale | Dec 19, 2017 · Amount on File |
| Prior Sale | Jun 30, 2017 · Amount on File |
| Deed Document Number | 2017779830 |
| Deed Book / Page | 6854 / 1678 |
| Prior Transfer Date | Nov 16, 2016 |
| Prior Transfer Doc | 0066530540 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3314 JOYCE DR, SAINT CHARLES, MO 63301-0111 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000103073 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021R-103073 |
| Name | CAPGROW HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 19, 2017 |
| Property Address | 3314 JOYCE DR, SAINT CHARLES, MO 63301-0111 |
| Document Number | 0068541678 |
| Book / Page | 6854 / 1678 |
| Map Reference | MB 7 PG 40 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 20171219000779830 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 BLACK WOLF RUN, 30, HIGHLAND, IL 62249-2886 |
| Name | Verified Name |
|---|---|
| Address | 3314 JOYCE DR, SAINT CHARLES, MO 63301-0111 |
| Document Number | 20171219000779840 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 20171219000779840 |
| Name | PULASKI SERVICE CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 30, 2017 |
| Property Address | 3314 JOYCE DR, SAINT CHARLES, MO 63301-0111 |
| Document Number | 0067672478 |
| Book / Page | 006767 / 002478 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 402810 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2017 |
| Title Company | HILLSBORO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 30 BLACK WOLF RUN HIGHLAND IL 622492886, HIGHLAND, IL 62249-2886 |
The 2025 property tax bill for 3314 Joyce Dr was $1,838.
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 | $27,023 (-) | $142,224 (-) Land $25,000 Building $117,224 | |
| 2025 | $1,838.00 | $27,023 | $142,224 Land $25,000 Building $117,224 |
| 2023 | $26,549 | ||
| 2022 | $139,729 Land $25,000 Building $114,729 |
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.
FEMA maps place 3314 Joyce Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 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 |
|
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 risk around 3314 Joyce 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 99.1% of the US · lower than 98.2% 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.
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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