3321 Ridgeway Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3321 Ridgeway Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,415 sqft · built 1970
Lot Size	3.46 acres (151,153 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Feb 2025)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Nov 2021 Transfer Aug 2018 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`511260A000`

Property Details

APN / Parcel Number

Primary APN	`511260A000`
Alternative APN	`3-0037-4508-00-0078.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,415 sqft Living Area
Gross Area	3,836 sqft
1st Floor Area	1,716 sqft
Basement Area	1,680 sqft
Finished Basement	699 sqft
Unfinished Basement	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	151,153 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	1,642 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	511260A000
Street Address	3321 RIDGEWAY DR
City	SAINT CHARLES
State	MO
Zip	63303-6641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WOODCLIFF EST #7 LOT 78
Legal Subdivision	WOODCLIFF EST #7
Legal Lot Number	78
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	4
Census Block	4002
Census Tract	311148

Owner

3321 Ridgeway Dr is owned and occupied by two individuals who bought it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 19, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2025 · Amount on File
Deed Sale	Feb 5, 2025 · Amount on File
Prior Sale	Jun 28, 2019 · Amount on File
Deed Document Number	20254904
Prior Transfer Date	Oct 14, 2021
Prior Transfer Doc	2021R095111
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2021
Property Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641
Document Number	2021R095111
Map Reference	MB 12 PG 42
Instrument Date	Oct 14, 2021
Instrument	2021R-095111
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 SCENIC COVE LN, 109, SAINT CHARLES, MO 63303-6596

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069601302
Date	Aug 9, 2018
Book Page	6960/1302
Instrument	20180809000453390

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2019
Property Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641
Document Number	0070962069
Book / Page	7096 / 2069
Map Reference	MB 12 PG 42
Instrument Date	Jun 20, 2019
Instrument	20190628000322530
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 FALL CREEK DR, 1, BRANSON, MO 65616-3422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 RIDGEWAY DR, SAINT CHARLES, MO 63303-6641

Mortgage

Document Number	20190628000322540
Date	Jun 28, 2019
Instrument	20190628000322540

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3321 Ridgeway Dr was $4,000.

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		$66,632 (-)	$350,697 (-) Land $98,895 Building $251,802
2025	$4,000.00	$66,632	$350,697 Land $98,895 Building $251,802
2023		$61,519
2022			$323,786 Land $98,895 Building $224,891

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 3321 Ridgeway Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 3321 Ridgeway Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.04% 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	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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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