St. Charles County property record for 3819 William Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1968 |
| Lot Size | 0.613 acres (26,720 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $106,082 (Jun 2012) |
| Tax Bill | $3,170 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit Dec 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 492630A000 |
| Primary APN | 492630A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,764 sqft Living Area |
| Gross Area | 2,895 sqft |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 432 sqft |
| Unfinished Basement | 648 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,720 sqft (0.613 acres) |
| Lot Dimensions | 334 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 110 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 492630A000 |
|---|---|
| Street Address | 3819 WILLIAM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | COPELAND HGTS LOT 55 |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 55 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
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 | 3819 WILLIAM DR, SAINT CHARLES, MO 63304-6846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2017 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Dec 22, 2016 | Deed of Trust, Mortgage INTEGRITY MTG/MO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2012 · Amount on Record |
| Deed Sale | Jun 29, 2012 · Amount on Record |
| Prior Sale | Sep 29, 2011 · Amount on Record |
| Deed Document Number | 2012481730 |
| Deed Book / Page | 5805 / 1706 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3819 WILLIAM DR, SAINT CHARLES, MO 63304-6846 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0000220360 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 6727/0228 |
| Instrument | 20170413000220360 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3819 WILLIAM DR, SAINT CHARLES, MO 63304-6846 |
| Document Number | 0066851965 |
| Book / Page | 006685 / 001965 |
| Instrument Date | Dec 22, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2017 |
| Title Company | FREEDOM TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3819 WILLIAM DR ST CHARLES MO 633046846, ST CHARLES, MO 63304-6846 |
| Document Number | 0066851965 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 006685/001965 |
| Instrument | 29840 |
| Name | INTEGRITY MTG/MO |
|---|---|
| Type | Mortgage Company |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 16, 2032 |
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 | $53,338 (-) | $280,726 (-) Land $51,430 Building $229,296 | |
| 2025 | $3,170.00 | $53,338 (+9.25%) | $280,726 (+9.25%) Land $51,430 Building $229,296 |
| 2023 | $48,822 | ||
| 2022 | $256,958 Land $51,430 Building $205,528 |
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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