St. Charles County property record for 4113 Hobnail Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,250 sqft · built 2000 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,500 (Apr 2016) |
| Tax Bill | $4,963 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T001100028 |
| Primary APN | T001100028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,250 sqft Living Area |
| 1st Floor Area | 1,850 sqft |
| Basement Area | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 100 sqft |
| Patio Area | 418 sqft |
| Account Number | T001100028 |
|---|---|
| Old Parcel Number | T001100028 |
| Street Address | 4113 HOBNAIL DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HORSESHOE CREEK #2 LOT 23 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | HORSE SHOE CREEK #2 |
| Legal Lot Number | 23 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 311150 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Nov 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU |
| Aug 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jul 14, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2016 · Amount on Record |
| Deed Sale | Apr 14, 2016 · Amount on Record |
| Prior Sale | Aug 30, 2012 · Amount on Record |
| Deed Document Number | 0065211997 |
| Deed Book / Page | 6521 / 1997 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4113 HOBNAIL DR, WELDON SPRING, MO 63304-2317 |
| Document Number | 0000049532 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 2025R-049532 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.5% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Document Number | 0000048476 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 2023R-048476 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 30, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Document Number | 0000047431 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 2022R-047431 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Document Number | 2021R059234 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2021R-059234 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4113 HOBNAIL DR, SAINT CHARLES, MO 63304-2317 |
| Document Number | 2021R029943 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2021R-029943 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2041 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,963.00 | $83,780 (+13.97%) | $440,946 (+13.97%) Land $70,000 Building $370,946 |
| 2023 | $73,512 | ||
| 2022 | $386,906 Land $55,000 Building $331,906 |
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.
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 | 1 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 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 |
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