St. Charles County property record for 345 Sturbridge Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,290 sqft · built 2015 |
| Lot Size | 0.476 acres (20,721 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $473,000 (May 2023) |
| Tax Bill | $9,445 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage May 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T160800017 |
| Primary APN | T160800017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,290 sqft Living Area |
| Gross Area | 7,224 sqft |
| 1st Floor Area | 3,290 sqft |
| Basement Area | 3,283 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 20,721 sqft (0.476 acres) |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T160800017 |
|---|---|
| Street Address | 345 STURBRIDGE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESTS AT TALBRIDGE #1 LOT 12 |
| Legal Subdivision | ESTS AT TALBRIDGE #1 |
| Legal Lot Number | 12 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 311003 |
345 Sturbridge Dr is owned and occupied by two individuals who bought it in May 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 345 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 17, 2023 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SULLIVAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on File |
| Deed Sale | May 17, 2023 · Amount on File |
| Prior Sale | Dec 4, 2015 · Amount on File |
| Deed Document Number | 202318709 |
| Prior Transfer Date | Apr 28, 2023 |
| Prior Transfer Doc | 0000018709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 345 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 345 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607 |
| Document Number | 0000046334 |
|---|---|
| Date | Nov 5, 2024 |
| Instrument | 2024R-046334 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 17, 2023 |
| Property Address | 345 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607 |
| Document Number | 0000018709 |
| Map Reference | MB 48 PG 69 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 2023R-018709 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 345 STURBRIDGE DR, SAINT CHARLES, MO 63303-1607 |
| Document Number | 0000018710 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 2023R-018710 |
| Name | SULLIVAN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 345 Sturbridge Dr was $9,445.
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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $151,636 (-) | $798,085 (-) Land $141,428 Building $656,657 | |
| 2025 | $9,445.00 | $151,636 | $798,085 Land $141,428 Building $656,657 |
| 2023 | $130,821 | ||
| 2022 | $688,533 Land $90,000 Building $598,533 |
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.
FEMA maps place 345 Sturbridge Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2003.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 9 (2003–2022) |
| Claims Outside the SFHA | 9 of 9 |
| 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.
Wildfire risk around 345 Sturbridge Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 658 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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