406 King Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 406 King Dr, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,496 sqft · built 1986
Lot Size	0.025 acres (1,067 sqft)
Owner	Individual Name on File
Last Sale	$117,500 (Jul 2014)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003140`

Property Details

APN / Parcel Number

Primary APN	`A870003140`
Alternative APN	`6-010D-6125-21-000F.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
Gross Area	2,096 sqft
1st Floor Area	1,296 sqft
Basement Area	400 sqft
Finished Basement	200 sqft
Unfinished Basement	200 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Traditional
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,067 sqft (0.025 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870003140
Street Address	406 KING DR
City	SAINT CHARLES
State	MO
Zip	63303-3507
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	FOREST HILLS TOWNHOUSES PH1 STG5 BLDG 21 UNIT F
Legal Subdivision	FOREST HILLS TOWNHOUSES PH1 STG5
Legal Lot Number	F
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1019
Census Tract	310901

Owner

406 King Dr, a condominium, is owned and occupied by an individual who bought it in July 2014.

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

Owner of Record	Individual Name on File
Mailing Address	406 KING DR, SAINT CHARLES, MO 63303-3507
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2014 · Amount on File
Deed Sale	Jul 11, 2014 · Amount on File
Prior Sale	May 21, 1999 · Amount on File
Deed Document Number	2014367850
Deed Book / Page	6212 / 1751
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	406 KING DR, SAINT CHARLES, MO 63303-3507
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 KING DR, SAINT CHARLES, MO 63303-3507

Mortgage

Document Number	0000020256
Date	Mar 8, 2021
Instrument	2021R-020256

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	281 Months
Due	Aug 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 406 King Dr was $2,356.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,438 (-)	$197,040 (-) Building $197,040
2025	$2,356.00	$37,438	$197,040
2023		$33,344
2022			$175,493 Building $175,493

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 406 King Dr in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1979.

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 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	69 (1979–2014)
Claims Outside the SFHA	14 of 69
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 2 claims Severe Storms & Flooding, Jul 1993 · 19 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

The area around 406 King Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20