3328 Ridgeway Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3328 Ridgeway Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,968 sqft · built 1971
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Aug 2025)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`511320A000`

Property Details

APN / Parcel Number

Primary APN	`511320A000`
Alternative APN	`3-0037-4508-00-0080.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,968 sqft Living Area
Gross Area	4,396 sqft
1st Floor Area	1,708 sqft
Basement Area	868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,116 sqft (3.01 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	511320A000
Street Address	3328 RIDGEWAY DR
City	SAINT CHARLES
State	MO
Zip	63303-6642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WOODCLIFF EST #7 LOT 80
Legal Subdivision	WOODCLIFF EST #7
Legal Lot Number	80
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	4
Census Block	4007
Census Tract	311148

Owner

3328 Ridgeway Dr is owned and occupied by two individuals who bought it in August 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3328 RIDGEWAY DR, SAINT CHARLES, MO 63303-6642
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANC HOME MORTGAGE INC
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Deed Document Number	202536171
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3328 RIDGEWAY DR, SAINT CHARLES, MO 63303-6642
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 RIDGEWAY DR, SAINT CHARLES, MO 63303-6642

Mortgage

Document Number	0000039778
Date	Jul 18, 2022
Instrument	2022R-039778

Lender

Name	FIRST BANC HOME MORTGAGE INC
Type	Mortgage Company
Address	BALLWIN, MO 63011

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3328 RIDGEWAY DR, SAINT CHARLES, MO 63303-6642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072712292
Date	Apr 16, 2020
Book Page	7271/2292
Instrument	20200416000237910

Lender

Name	FIRST BANK
Type	Bank
Address	HAZELWOOD, MO 63042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$83,495	$439,446 Land $90,300 Building $349,146
2023	$77,210
2022		$406,370 Land $90,300 Building $316,070

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 3328 Ridgeway 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

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

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

Wildfire

Wildfire risk around 3328 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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