St. Charles County property record for 3320 Silvertrail Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,934 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Nov 2017) |
| Tax Bill | $4,663 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A975000154 |
| Primary APN | A975000154 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,934 sqft Living Area |
| Gross Area | 4,239 sqft |
| 1st Floor Area | 1,934 sqft |
| Basement Area | 1,882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 423 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 312 sqft |
| Patio Area | 240 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A975000154 |
|---|---|
| Street Address | 3320 SILVERTRAIL DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STABLE RIDGE MANOR #1 LOT 303 |
| Legal Subdivision | STABLE RIDGE MANOR #1 |
| Legal Lot Number | 303 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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 | 3320 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2019 | Deed of Trust, Mortgage F&B ACQUISITION |
| Nov 17, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on Record |
| Deed Sale | Nov 17, 2017 · Amount on Record |
| Prior Sale | Apr 23, 1999 · Amount on Record |
| Deed Document Number | 2017719480 |
| Deed Book / Page | 6840 / 1690 |
| Prior Transfer Date | Nov 15, 2017 |
| Prior Transfer Doc | 0068401690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3320 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251 |
| Document Number | 0070481762 |
| Instrument Date | Mar 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3320 SILVERTRAIL DR ST CHARLES MO 633013251, ST CHARLES, MO 63301-3251 |
| Document Number | 0070481762 |
|---|---|
| Date | Mar 20, 2019 |
| Book Page | 007048/001762 |
| Instrument | 123170 |
| Name | F&B ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63131 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 19, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 17, 2017 |
| Property Address | 3320 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251 |
| Document Number | 0068401690 |
| Book / Page | 6840 / 1690 |
| Map Reference | MB 34 PG 46 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 20171117000719480 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3320 SILVERTRAIL DR, SAINT CHARLES, MO 63301-3251 |
| Document Number | 20171117000719490 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 20171117000719490 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,477 (-) | $376,193 (-) Land $75,000 Building $301,193 | |
| 2025 | $4,663.00 (+6.8%) | $71,477 (+9.83%) | $376,193 (+9.83%) Land $75,000 Building $301,193 |
| 2024 | $4,366.00 | ||
| 2023 | $65,077 | ||
| 2022 | $342,510 Land $60,000 Building $282,510 |
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 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 |
|
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 | Not rated no burnable land within 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 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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