St. Charles County property record for 3413 Apple Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 1995 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on Record |
| Last Sale | $205,000 (Dec 2013) |
| Tax Bill | $4,098 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A965000042 |
| Primary APN | A965000042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 3,652 sqft |
| 1st Floor Area | 1,636 sqft |
| Basement Area | 1,576 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 316 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A965000042 |
|---|---|
| Street Address | 3413 APPLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STABLE RIDGE EST #1 LOT 42 |
| Legal Subdivision | STABLE RIDGE EST #1 |
| Legal Lot Number | 42 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 310202 |
Source: St. Charles County records, as of August 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3413 APPLE DR, SAINT CHARLES, MO 63301-3212 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Dec 4, 2020 | Deed of Trust, Mortgage ENDEAVOR CAP |
| Dec 9, 2020 | Correction Deed, Transfer VISION TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2013 · Amount on Record |
| Deed Sale | Dec 23, 2013 · Amount on Record |
| Deed Document Number | 2013940230 |
| Deed Book / Page | 6135 / 559 |
| Last Transfer Date | Jun 15, 2020 |
| Transfer Doc | 0073261876 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3413 APPLE DR, SAINT CHARLES, MO 63301-3212 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3413 APPLE DR, SAINT CHARLES, MO 63301-3212 |
| Document Number | 0000097836 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021R-097836 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3413 APPLE DR, SAINT CHARLES, MO 63301-3212 |
| Document Number | 0000096776 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | BL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3413 APPLE DR ST CHARLES MO 633013212, ST CHARLES, MO 63301-3212 |
| Document Number | 0000096776 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 96776 |
| Name | ENDEAVOR CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 8, 2035 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 9, 2020 |
| Property Address | 3413 APPLE DR, SAINT CHARLES, MO 63301-3212 |
| Document Number | 0000096775 |
| Instrument Date | Oct 4, 2020 |
| Instrument | 96775 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | VISION TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,098.00 (+8.41%) | $62,753 (+11.51%) | $330,281 (+11.51%) Building $330,281 |
| 2024 | $3,780.00 | ||
| 2023 | $56,278 | ||
| 2022 | $296,198 Land $48,000 Building $248,198 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 475 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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