38 Suffolk Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 38 Suffolk Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,008 sqft · built 2001
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,565 (Mar 2002)
Tax Bill	$4,653 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A985000121`

Property Details

APN / Parcel Number

Primary APN	`A985000121`
Alternative APN	`5-116D-7739-00-0368.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,008 sqft Living Area
Gross Area	3,604 sqft
1st Floor Area	1,088 sqft
Basement Area	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	128 sqft
Patio Area	580 sqft

Location & Zoning

Account Number	A985000121
Street Address	38 SUFFOLK DR
City	SAINT CHARLES
State	MO
Zip	63301-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	STABLE RIDGE MANOR #3 LOT 368
Legal Subdivision	STABLE RIDGE MANOR #3
Legal Lot Number	368
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310202

Owner

Source: St. Charles County records, as of August 7, 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	2 Individual Names on Record
Mailing Address	38 SUFFOLK DR, SAINT CHARLES, MO 63301-3248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2002 · Amount on Record
Deed Sale	Mar 7, 2002 · Amount on Record
Deed Document Number	200221058
Deed Book / Page	2827 / 1825
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 SUFFOLK DR, SAINT CHARLES, MO 63301-3248
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SUFFOLK DR, SAINT CHARLES, MO 63301-3248

Mortgage

Document Number	0000013201
Date	Mar 7, 2022
Instrument	2022R-013201

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 SUFFOLK DR, SAINT CHARLES, MO 63301-3248
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	CLEAR TITLE, CLEAR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SUFFOLK DR, SAINT CHARLES, MO 63301-3248

Mortgage

Document Number	2021R037841
Date	Apr 29, 2021
Instrument	2021R-037841

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,320 (-)	$375,370 (-) Building $375,370
2025	$4,653.00	$71,320 (+4.96%)	$375,370 (+4.96%)
2023		$67,948
2022			$357,623 Land $60,000 Building $297,623

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
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	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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	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.

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 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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