St. Charles County property record for 39 Cloverdale Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,080 sqft · built 1966 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $133,200 (Jul 2008) |
| Tax Bill | $2,290 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 547620A000 |
| Primary APN | 547620A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 2,484 sqft |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 220 sqft |
| Deck Area | Deck Area |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 547620A000 |
|---|---|
| Street Address | 39 CLOVERDALE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CLOVER MEADOWS LOT 39 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Lot Number | 39 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 311322 |
39 Cloverdale Dr is owned and occupied by two individuals who bought it in July 2008.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 CLOVERDALE DR, SAINT CHARLES, MO 63304-1100 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2008 · Amount on File |
| Deed Sale | Jul 3, 2008 · Amount on File |
| Prior Sale | May 3, 2006 |
| Deed Document Number | 2008481180 |
| Deed Book / Page | 5016 / 1480 |
| Prior Transfer Date | Apr 25, 2006 |
| Prior Transfer Doc | 0000366360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 39 CLOVERDALE DR, SAINT CHARLES, MO 63304-1100 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 39 CLOVERDALE DR, SAINT CHARLES, MO 63304-1100 |
| Document Number | 0000024014 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 2021R-024014 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Jan 1, 2036 |
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 | $41,736 (-) | $219,666 (-) Land $47,140 Building $172,526 | |
| 2025 | $41,736 | $219,666 Land $47,140 Building $172,526 | |
| 2024 | $2,290.00 | ||
| 2023 | $38,147 (+21.22%) | ||
| 2022 | $2,035.00 | $31,470 | $200,776 (+21.22%) Land $47,140 Building $153,636 |
| 2021 | $165,633 |
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 39 Cloverdale Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 24 (1982–2022) |
| Claims Outside the SFHA | 1 of 24 |
| 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.
Wildfire risk around 39 Cloverdale Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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