St. Charles County property record for 3806 William Dr, Saint Charles, MO 63304
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,250 sqft · built 1960 |
| Lot Size | 0.239 acres (10,400 sqft) |
| Owner | Company Name on Record |
| Last Sale | $156,500 (Mar 2005) |
| Tax Bill | $2,413 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 492840A000 |
| Primary APN | 492840A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,250 sqft Living Area |
| Gross Area | 2,432 sqft |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 1,216 sqft |
| Finished Basement | 1,034 sqft |
| Unfinished Basement | 182 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,400 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 492840A000 |
|---|---|
| Street Address | 3806 WILLIAM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6847 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF2 |
| Legal Description | COPELAND HGTS LOT 62 |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 62 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 311149 |
Source: St. Charles County records, as of August 27, 2026
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 | 1278 JUNGERMANN RD, F, SAINT PETERS, MO 63376-6964 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2005 · Amount on Record |
| Deed Sale | Mar 2, 2005 · Amount on Record |
| Prior Sale | Oct 4, 2004 · Amount on Record |
| Deed Document Number | 2005184440 |
| Deed Book / Page | 4113 / 851 |
| Prior Transfer Date | Apr 17, 1997 |
| Prior Transfer Doc | 0000033585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3806 WILLIAM DR, SAINT CHARLES, MO 63304-6847 |
| Document Number | 0071330839 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 530 S MAIN ST ST CLAIR MO 630771515, ST CLAIR, MO 63077-1515 |
| Document Number | 0071330839 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 007133/000839 |
| Instrument | 465540 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $40,482 (-) | $213,065 (-) Land $35,000 Building $178,065 | |
| 2025 | $2,413.00 | $40,482 (+1.9%) | $213,065 (+1.9%) Land $35,000 Building $178,065 |
| 2023 | $39,726 | ||
| 2022 | $209,089 Land $35,000 Building $174,089 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Aug 2020 · river or lake 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 | 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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