372 Sturbridge Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 372 Sturbridge Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,815 sqft · built 2017
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$572,722 (Oct 2017)
Tax Bill	$9,129 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T160800062`

Property Details

APN / Parcel Number

Primary APN	`T160800062`
Alternative APN	`6-0162-C256-00-0032.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,815 sqft Living Area
Basement Area	2,808 sqft
Finished Basement	970 sqft

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,238 sqft (0.257 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T160800062
Street Address	372 STURBRIDGE DR
City	SAINT CHARLES
State	MO
Zip	63303-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTS OF TALBRIDGE #2 LOT 32
Legal Range	05E
Legal Township	46N
Legal Subdivision	ESTS AT TALBRIDGE #2
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1035
Census Tract	311003

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Dec 11, 2020	Deed of Trust, Mortgage ACCESS CAP FNDG
Oct 31, 2017	Warranty Deed, Subdivision Related Transfer · ARM ALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on Record
Deed Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	0068312135
Deed Book / Page	6831 / 2135
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609

Mortgage

Document Number	2021R069313
Date	Aug 18, 2021
Instrument	2021R-069313

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072741150
Date	Apr 21, 2020
Book Page	7274/1150
Instrument	20200421000246660

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071920498
Date	Dec 3, 2019
Book Page	7192/0498
Instrument	20191203000692040

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Document Number	0000099102
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 STURBRIDGE DR ST CHARLES MO 633031609, ST CHARLES, MO 63303-1609

Mortgage

Document Number	0000099102
Date	Dec 16, 2020
Instrument	99102

Lender

Name	ACCESS CAP FNDG
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2035

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 31, 2017
Property Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609
Document Number	0068312135
Book / Page	6831 / 2135
Map Reference	MB 48 PG 177
Instrument Date	Oct 31, 2017
Instrument	20171031000683350
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2299 TECHNOLOGY DR STE 150, 2299, O FALLON, MO 63368-7343

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	372 STURBRIDGE DR, SAINT CHARLES, MO 63303-1609

Mortgage

Document Number	20171031000683360
Date	Oct 31, 2017
Instrument	20171031000683360

Lender

Name	ALLIANCE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.75%
Index	1-Year CMT
Margin	2
Max Rate	8.75%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,129.00	$146,540 (+14.42%)	$771,265 (+14.42%) Land $141,428 Building $629,837
2023		$128,071
2022			$674,060 Land $90,000 Building $584,060

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

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	Flooding, Jun 2011 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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