St. Charles County property record for 3906 William Dr, Saint Charles, MO 63304
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,320 sqft · built 1970 |
| Lot Size | 0.26 acres (11,315 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $164,500 (Jan 2020) |
| Tax Bill | $2,289 (2025) |
| Deeds & Mortgages | Oct 2020 Transfer Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 492270A000 |
| Primary APN | 492270A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Building Area | 2,320 sqft Living Area |
| Gross Area | 2,508 sqft |
| 1st Floor Area | 1,254 sqft |
| Basement Area | 1,254 sqft |
| Finished Basement | 1,066 sqft |
| Unfinished Basement | 188 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,315 sqft (0.26 acres) |
| Lot Dimensions | 155 ft deep x 73 ft wide |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 492270A000 |
|---|---|
| Street Address | 3906 WILLIAM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6848 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF2 |
| Legal Description | COPELAND HGTS LOT 43 |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 43 |
| 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 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6827 MIDDLEGATE LN, GLEN CARBON, IL 62034-4071 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jan 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jul 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2020 · Amount on Record |
| Deed Sale | Jan 23, 2020 · Amount on Record |
| Deed Document Number | 202045650 |
| Deed Book / Page | 7220 / 544 |
| Prior Transfer Date | Jul 7, 2017 |
| Prior Transfer Doc | 0067791790 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 22, 2020 |
| Property Address | 3906 WILLIAM DR, SAINT CHARLES, MO 63304-6848 |
| Document Number | 0000080787 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 80787 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1650 BEALE ST #341 ST CHARLES MO 633034264, 341, ST CHARLES, MO 63303-4264 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 23, 2020 |
| Property Address | 3906 WILLIAM DR, SAINT CHARLES, MO 63304-6848 |
| Document Number | 0072200544 |
| Book / Page | 7220 / 0544 |
| Map Reference | MB 9 PG 49 |
| Instrument Date | Jan 21, 2020 |
| Instrument | 20200123000045650 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 WATERBURY CT, 2, SAINT PETERS, MO 63376-3059 |
| Name | Verified Name |
|---|---|
| Address | 1650 BEALE ST UNIT 341, 341, SAINT CHARLES, MO 63303-4264 |
| Document Number | 20200123000045660 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 20200123000045660 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 24, 2017 |
| Property Address | 3906 WILLIAM DR, SAINT CHARLES, MO 63304-6848 |
| Document Number | 0067791790 |
| Book / Page | 006779 / 001790 |
| Instrument Date | Jul 7, 2017 |
| Instrument | 457710 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2 WATERBURY CT ST PETERS MO 633763059, ST PETERS, MO 63376-3059 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,289.00 (+1.06%) | $38,393 (+1.75%) | $202,068 (+1.75%) Land $35,000 Building $167,068 |
| 2024 | $2,265.00 | ||
| 2023 | $37,732 | ||
| 2022 | $198,594 Land $35,000 Building $163,594 |
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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