4038 Austin Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4038 Austin Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,457 sqft · built 2003
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (May 2025)
Tax Bill	$8,077 (2025)
Deeds & Mortgages	May 2025 Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T003000059`

Property Details

APN / Parcel Number

Primary APN	`T003000059`
Alternative APN	`3-0132-8332-00-0042.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,457 sqft Living Area
Gross Area	5,756 sqft
1st Floor Area	2,457 sqft
Basement Area	2,443 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,443 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	856 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	110 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T003000059
Street Address	4038 AUSTIN DR
City	SAINT CHARLES
State	MO
Zip	63304-0318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT AUSTIN RIDGE LOT 42
Legal Subdivision	MANORS AT AUSTIN RIDGE
Legal Lot Number	42
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2014
Census Tract	311103

Owner

4038 Austin Dr is owned and occupied by two individuals who bought it in May 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2025	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jul 11, 2023	Correction Deed
Apr 12, 2023	Warranty Deed, Transfer · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Apr 12, 2023 · Amount on File
Deed Document Number	202518475
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	0000327880
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 6, 2025
Property Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318
Document Number	0000018475
Map Reference	MB 36 PG 186
Instrument Date	May 1, 2025
Instrument	2025R-018475
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	742 BLAIRBETH DR, WELDON SPRING, MO 63304-7580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318

Mortgage

Document Number	0000018476
Date	May 6, 2025
Instrument	2025R-018476

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

July 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2023
Property Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318
Document Number	0000027171
Map Reference	MB 42 PG 186
Instrument Date	Jul 10, 2023
Instrument	2023R-027171
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 12, 2023
Property Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318
Document Number	0000013835
Map Reference	MB 36 PG 186
Instrument Date	Apr 7, 2023
Instrument	2023R-013835
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4038 AUSTIN DR, SAINT CHARLES, MO 63304-0318

Mortgage

Document Number	0000013837
Date	Apr 12, 2023
Instrument	2023R-013837

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4038 Austin Dr was $8,077.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$136,630 (-)	$719,103 (-) Land $150,000 Building $569,103
2025	$8,077.00	$136,630	$719,103 Land $150,000 Building $569,103
2023		$130,030
2022			$684,371 Land $150,000 Building $534,371

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

FEMA maps place 4038 Austin Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · rainfall accumulation

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

Wildfire risk around 4038 Austin Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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