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39 James Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 39 James Dr, Saint Charles, MO 63301 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,440 sqft · built 1953
Lot Size0.407 acres (17,711 sqft)
OwnerIndividual Name on File
Last Sale$106,000 (May 2011)
Tax Bill$2,513 (2025)
Deeds & MortgagesNov 2023 Mortgage
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN056340A000

Property Details

APN / Parcel Number

Primary APN056340A000
Alternative APN
  • 6-010A-4265-00-0039.0000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,440 sqft Living Area
Gross Area2,208 sqft
1st Floor Area960 sqft
Basement Area960 sqft
Finished Basement480 sqft
Unfinished Basement480 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeHip
Roof MaterialAsphalt
Lot Area17,711 sqft (0.407 acres)
Lot Dimensions199 ft deep x 89 ft wide
Garage TypeAttached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area24 sqft
Patio Area416 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number056340A000
Street Address39 JAMES DR
CitySAINT CHARLES
StateMO
Zip63301-4806
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFERNCLIFF LOT 39
Legal SubdivisionFERNCLIFF
Legal Lot Number39
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group3
Census Block3011
Census Tract310700

Owner

Source: St. Charles County records · APN 056340A000

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address39 JAMES DR, SAINT CHARLES, MO 63301-4806
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 06, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 20, 2022Deed of Trust, Mortgage · FHA Mortgage
PEOPLES BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 02, 2011 · Amount on Record
Deed SaleMay 02, 2011 · Amount on Record
Prior SaleMay 02, 2011 · Amount on Record
Deed Document Number2011268000
Deed Book / Page5581 / 1554
Prior Transfer DateApr 27, 2011
Prior Transfer Doc0055811553
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address39 JAMES DR, SAINT CHARLES, MO 63301-4806
Transaction TypeMortgage
Record UpdatedNov 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address39 JAMES DR, SAINT CHARLES, MO 63301-4806

Mortgage

Document Number0000045700
DateNov 06, 2023
Instrument2023R-045700
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2053

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address39 JAMES DR, SAINT CHARLES, MO 63301-4806
Transaction TypeMortgage
Record UpdatedFeb 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4401 BELLE OAKS DR, NORTH CHARLESTON, SC 29405-8537

Mortgage

Document Number0000004240
DateJan 20, 2022
Instrument2022R-004240
Lender
NamePEOPLES BANK
TypeBank
AddressNORTH CHARLESTON, SC 29405
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,513.00 (+6.35%)$39,966 (+8.96%)$210,346 (+8.96%) Land $55,000 Building $155,346
2024$2,363.00
2023$36,680
2022$193,050 Land $40,000 Building $153,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833107003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims5 (1981–2022)
Claims Outside the SFHA2 of 5
Most Recent ClaimJul 2022, river or lake flooding, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Jul 2022 · 3 claims

Wildfire

Wildfire RiskLow
above 1% of the US · above 2% of Missouri
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 494 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WH i3B Bidco LLC/WH i3B TopcoFiber8,000 / 8,000
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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