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413 Empire Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 413 Empire Dr, Saint Charles, MO 63301 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,963 sqft · built 1997
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Tax Bill$4,624 (2024)
Deeds & MortgagesJun 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APNA965000392

Property Details

APN / Parcel Number

Primary APNA965000392
Alternative APN
  • 5-0079-7413-00-0086.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,963 sqft Living Area
Gross Area4,310 sqft
1st Floor Area1,963 sqft
Basement Area1,885 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area10,019 sqft (0.23 acres)
TerrainRolling
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area68 sqft
Patio Area256 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA965000392
Street Address413 EMPIRE DR
CitySAINT CHARLES
StateMO
Zip63301-4589
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPRESIDIO LOT 86
Legal SubdivisionPRESIDIO
Legal Lot Number86
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group1
Census Block1008
Census Tract310602

Owner

Source: St. Charles County records · APN A965000392

Assessment roll updated August 13, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address413 EMPIRE DR, SAINT CHARLES, MO 63301-4589
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 27, 2025
Deed SaleMar 27, 2025
Prior SaleDec 04, 2012 · Amount on Record
Deed Document Number202511974
Prior Transfer DateMar 15, 2025
Prior Transfer Doc0000011974
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Recording DateJun 30, 2026
Property Address413 EMPIRE DR, SAINT CHARLES, MO 63301-4589
Document Number0000030518
Instrument DateJun 19, 2026
Instrument202630518
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyTOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 EMPIRE DR, SAINT CHARLES, MO 63301-4589

Mortgage

Document Number0000030518,
DateJun 30, 2026
Instrument202630518
Lender
NameFIRST COMMUNITY CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueJun 01, 2041
Interest
Rate5.85%
Max Rate-1%

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$75,575 (+9.61%)$397,765 (+9.61%) Land $80,000 Building $317,765
2024$4,624.00
2023$68,948
2022$362,885 Land $60,000 Building $302,885

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833106021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims61 (1979–2022)
Claims Outside the SFHA16 of 61
Most Recent ClaimJul 2022, river or lake flooding, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Jul 2022 · 10 claims
  • Flooding, Jun 2011 · 6 claims
  • Severe Storms & Flooding, Jul 1993 · 12 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 221 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WH i3B Bidco LLC/WH i3B TopcoFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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