St. Charles County property record for 38 Seabiscuit Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,572 sqft · built 2001 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,000 (Jul 2015) |
| Tax Bill | $3,932 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A985000057 |
| Primary APN | A985000057 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,572 sqft Living Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 1,572 sqft |
| Basement Area | 1,572 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Account Number | A985000057 |
|---|---|
| Street Address | 38 SEABISCUIT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | STABLE RIDGE MANOR #2 LOT 394 |
| Legal Subdivision | STABLE RIDGE MANOR #2 |
| Legal Lot Number | 394 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310202 |
38 Seabiscuit Dr is owned and occupied by two individuals who bought it in July 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 2, 2020 | Deed of Trust, Mortgage ENDEAVOR CAP |
| Nov 15, 2017 | Deed of Trust, Mortgage ENDEAVOR CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2015 · Amount on File |
| Deed Sale | Jul 14, 2015 · Amount on File |
| Prior Sale | Jun 4, 2015 · Amount on File |
| Deed Document Number | 2015461680 |
| Deed Book / Page | 6388 / 1760 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 38 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239 |
| Document Number | 0073412141 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 SEABISCUIT DR ST CHARLES MO 633013239, ST CHARLES, MO 63301-3239 |
| Document Number | 0073412141 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 007341/002141 |
| Instrument | 478850 |
| Name | ENDEAVOR CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Jul 8, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 38 SEABISCUIT DR, SAINT CHARLES, MO 63301-3239 |
| Document Number | 0068411264 |
| Book / Page | 006841 / 001264 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 SEABISCUIT DR ST CHARLES MO 633013239, ST CHARLES, MO 63301-3239 |
| Document Number | 0068411264 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 006841/001264 |
| Instrument | 722910 |
| Name | ENDEAVOR CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 19, 2047 |
The 2025 property tax bill for 38 Seabiscuit Dr was $3,932.
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 | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,200 (-) | $316,844 (-) Land $75,000 Building $241,844 | |
| 2025 | $3,932.00 | $60,200 | $316,844 Land $75,000 Building $241,844 |
| 2023 | $56,127 | ||
| 2022 | $295,405 Land $60,000 Building $235,405 |
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 38 Seabiscuit Dr in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File 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.
The area around 38 Seabiscuit Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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