St. Charles County property record for 419 Wellsmont Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,293 sqft · built 1998 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $252,500 (Aug 2022) |
| Tax Bill | $3,243 (2025) |
| Deeds & Mortgages | Sep 2021 Second Mortgage Mar 2021 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000401 |
| Primary APN | A983000401 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,293 sqft Living Area |
| Gross Area | 2,911 sqft |
| 1st Floor Area | 1,293 sqft |
| Basement Area | 1,219 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 148 sqft |
| Patio Area | 120 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000401 |
|---|---|
| Street Address | 419 WELLSMONT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLSMONT SUB LOT 10 |
| Legal Subdivision | WELLSMONT |
| Legal Lot Number | 10 |
| 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 September 10, 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 Record |
|---|---|
| Mailing Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRANCH BANKING AND TRUST CO |
| Mar 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 1, 2020 | Loan Modification, Mortgage · FHA Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2022 · Amount on Record |
| Deed Sale | Aug 25, 2022 · Amount on Record |
| Prior Sale | Nov 1, 2011 · Amount on Record |
| Deed Document Number | 202247138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Document Number | 0000079079 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021R-079079 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Document Number | 0000026842 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021R-026842 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 25, 2022 |
| Property Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Document Number | 0000047138 |
| Map Reference | MB 34 PG 163 |
| Instrument Date | Aug 22, 2022 |
| Instrument | 2022R-047138 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | LEADERS TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 504 MAPLE AVE, JERSEYVILLE, IL 62052-2220 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Document Number | 0000047139 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2022R-047139 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 419 WELLSMONT DR, SAINT CHARLES, MO 63304-2324 |
| Document Number | 0072161925 |
| Instrument Date | Jan 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 419 WELLSMONT DR ST CHARLES MO 633042324, ST CHARLES, MO 63304-2324 |
| Document Number | 0072161925 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 007216/001925 |
| Instrument | 30720 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $54,578 (-) | $287,252 (-) Land $60,000 Building $227,252 | |
| 2025 | $3,243.00 | $54,578 (+5.95%) | $287,252 (+5.95%) Land $60,000 Building $227,252 |
| 2023 | $51,515 | ||
| 2022 | $271,129 Land $55,000 Building $216,129 |
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 | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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