3907 William Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3907 William Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,428 sqft · built 1969
Lot Size	0.819 acres (35,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jun 2019)
Tax Bill	$3,474 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`492570A000`

Property Details

APN / Parcel Number

Primary APN	`492570A000`
Alternative APN	`3-0015-4010-00-0053.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Basement Area	1,092 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	35,700 sqft
Lot Dimensions	350 ft deep x 102 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	492570A000
Old Parcel Number	492570A000
Street Address	3907 WILLIAM DR
City	SAINT CHARLES
State	MO
Zip	63304-6857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COPELAND HGTS LOT 53
Legal Range	04E
Legal Township	46N
Legal Subdivision	COPELAND HGTS
Legal Lot Number	53
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3907 WILLIAM DR, SAINT CHARLES, MO 63304-6857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Jul 9, 2013 · Amount on Record
Deed Document Number	0007097564
Deed Book / Page	7097 / 564
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2019
Property Address	3907 WILLIAM DR, SAINT CHARLES, MO 63304-6857
Document Number	0070970564
Book / Page	007097 / 000564
Instrument Date	Jun 27, 2019
Instrument	323840
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3907 WILLIAM DR ST CHARLES MO 633046857, ST CHARLES, MO 63304-6857

Mortgage

Document Number	70970566
Date	Jun 28, 2019
Book Page	007097/000566
Instrument	323850

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,474.00	$58,501 (+9.23%)	$307,898 (+9.23%) Land $51,430 Building $256,468
2023		$53,556
2022			$281,871 Land $51,430 Building $230,441

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.

Flood

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	Severe Storms & Flooding, Jul 1993 · 5 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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