3315 Silvertrail Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3315 Silvertrail Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,317 sqft · built 2001
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,900 (Apr 2026)
Tax Bill	$5,207 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A975000199`

Property Details

APN / Parcel Number

Primary APN	`A975000199`
Alternative APN	`5-116D-7696-00-0447.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,317 sqft Living Area
Gross Area	5,359 sqft
1st Floor Area	2,317 sqft
Basement Area	2,317 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	183 sqft
Patio Area	450 sqft

Location & Zoning

Account Number	A975000199
Street Address	3315 SILVERTRAIL DR
City	SAINT CHARLES
State	MO
Zip	63301-3250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STABLE RIDGE MANOR #1 LOT 447
Legal Subdivision	STABLE RIDGE MANOR #1
Legal Lot Number	447
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

Owner

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	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Feb 15, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Feb 2, 2026 · Amount on Record
Deed Document Number	202615814
Prior Transfer Date	Feb 14, 2017
Prior Transfer Doc	0067000064
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250

Mortgage

Document Number	0000060800
Date	Jul 20, 2021
Instrument	2021R-060800

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2026
Property Address	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250
Document Number	0000015814
Instrument Date	Apr 3, 2026
Instrument	202615814
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250

Mortgage

Document Number	0000015815,
Date	Apr 6, 2026
Instrument	202615815

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

February 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2017
Property Address	3315 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3250
Document Number	0067000064
Book / Page	006700 / 000064
Instrument Date	Feb 14, 2017
Instrument	99430
Transaction Type	Transfer
Record Updated	Feb 22, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 SILVERTRAIL DR ST CHARLES MO 633013250, ST CHARLES, MO 63301-3250

Tax Assessment & Valuation

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		$78,701 (-)	$414,214 (-) Land $75,000 Building $339,214
2025		$78,701 (+1.29%)	$414,214 (+1.29%) Land $75,000 Building $339,214
2024	$5,207.00
2023		$77,697
2022			$408,933 Land $60,000 Building $348,933

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