4081 Stonecroft Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4081 Stonecroft Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,400 sqft · built 2008
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,010 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T051100118`

Property Details

APN / Parcel Number

Primary APN	`T051100118`
Alternative APN	`3-0036-9665-00-0027.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,400 sqft Living Area
Gross Area	6,650 sqft
1st Floor Area	3,000 sqft
Basement Area	2,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T051100118
Street Address	4081 STONECROFT DR
City	SAINT CHARLES
State	MO
Zip	63304-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTHAMPTON PL LOT 27
Legal Subdivision	WESTHAMPTON PL
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	4
Census Block	4001
Census Tract	311122

Owner

4081 Stonecroft Dr is owned and occupied by two individuals who acquired it in July 2026.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4081 STONECROFT DR, SAINT CHARLES, MO 63304-7960
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
Jul 21, 2026	Warranty Deed, Transfer FREEDOM TITLE
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Oct 14, 2020	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026
Deed Sale	Jul 21, 2026
Prior Sale	Jun 12, 2025 · Amount on File
Deed Document Number	202634333
Prior Transfer Date	Aug 14, 2025
Prior Transfer Doc	0000035558
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 21, 2026
Property Address	4081 STONECROFT DR, SAINT CHARLES, MO 63304-7960
Document Number	0000034333
Instrument Date	Jul 16, 2026
Instrument	202634333
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4081 STONECROFT DR, SAINT CHARLES, MO 63304-7960

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2026
Property Address	4081 STONECROFT DR, SAINT CHARLES, MO 63304-7960
Document Number	0000035181
Instrument Date	Jul 16, 2026
Instrument	202635181
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1431 SUMMERHAVEN DR, SAINT LOUIS, MO 63146-5439

Mortgage

Document Number	0000035181,
Date	Jul 27, 2026
Instrument	202635181

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4081 STONECROFT DR, SAINT CHARLES, MO 63304-7960
Document Number	0000080450
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4081 STONECROFT DR ST CHARLES MO 633047960, ST CHARLES, MO 63304-7960

Mortgage

Document Number	0000080450
Date	Oct 22, 2020
Instrument	80450

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4081 Stonecroft Dr was $7,010, up 9.1% from the year before.

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		$118,524 (-)	$623,809 (-) Land $100,000 Building $523,809
2025	$7,010.00 (+9.12%)	$118,524	$623,809 Building $623,809
2024	$6,424.00
2023		$107,881
2022			$567,794 Land $70,000 Building $497,794

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 4081 Stonecroft Dr in Zone X, an area of minimal flood risk.

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	2 in force

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 4081 Stonecroft Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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 494 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

May also be available: Wisper ISP.

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