St. Charles County property record for 405 Elmhurst Dr, Saint Charles, MO 63301 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1961 |
| Square Footage | 2,118 sqft Living Area |
| Lot Size | 7,980 sqft (0.183 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $194,000 (2019) |
| Tax Bill | $3,016.00 (2024) |
| Primary APN | 048740A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,118 sqft Living Area |
| Gross Area | 2,516 sqft Gross Area |
| 1st Floor | 1,268 sqft 1st Floor |
| Basement Area | 936 sqft Basement |
| Finished Basement | 850 sqft Finished |
| Unfinished Basement | 86 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 7,980 sqft (0.183 acres) |
| Depth X Width | 114 ft x 70 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 312 sqft Garage |
| Porch | Open Porch |
| Porch Area | 184 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 048740A000 |
|---|---|
| Street Address | 405 ELMHURST DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4645 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ELMWOOD MANOR #3 BLK 13 LOT 7 |
| Legal Subdivision | ELMWOOD MANOR #3 |
| Legal Block | 13 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | RIVERS |
| Census Blockgroup | 2 |
| Census Block | 2026 |
| Census Tract | 310301 |
Source: St. Charles County records · APN 048740A000
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 ELMHURST DR, SAINT CHARLES, MO 63301-4645 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 07, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage STIFEL BANK & TRUST |
| Mar 07, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION |
| Jul 03, 2019 | Warranty Deed, Transfer STIFEL BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 03, 2019 · Amount on Record |
| Deed Sale | Jul 03, 2019 · Amount on Record |
| Prior Sale | Dec 28, 2016 · Amount on Record |
| Deed Doc Number | 2019337020 |
| Deed Book / Page | 7100 / 1364 |
| Prior Transfer Date | Dec 14, 2016 |
| Prior Transfer Doc | 0066751279 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 405 ELMHURST DR, SAINT CHARLES, MO 63301-4645 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 405 ELMHURST DR, SAINT CHARLES, MO 63301-4645 |
| Document Number | 0000008698 |
|---|---|
| Date | Mar 07, 2024 |
| Instrument | 2024R-008698 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | Jul 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 405 ELMHURST DR, SAINT CHARLES, MO 63301-4645 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000008699 |
|---|---|
| Date | Mar 07, 2024 |
| Instrument | 2024R-008699 |
| Name | MISSOURI HOUSING DEVELOPMENT COMMISSION |
|---|---|
| Type | Government Agency |
| Address | KANSAS CITY, MO 64105 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 03, 2019 |
| Property Address | 405 ELMHURST DR, SAINT CHARLES, MO 63301-4645 |
| Document Number | 0071001364 |
| Book / Page | 007100 / 001364 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 337020 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 405 ELMHURST DR ST CHARLES MO 633014645, ST CHARLES, MO 63301-4645 |
| Document Number | 71001366 |
|---|---|
| Date | Jul 03, 2019 |
| Book Page | 007100/001366 |
| Instrument | 337030 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 02, 2049 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,012.00 (-0.13%) | $48,006 (+2.26%) | $252,661 (+2.26%) Land $55,000 Building $197,661 |
| 2024 | $3,016.00 | ||
| 2023 | $46,945 | ||
| 2022 | $247,080 Land $55,000 Building $192,080 |
405 Elmhurst Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 3rd percentile of exposed land nationally · 5th in Missouri |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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