St. Charles County property record for 4197 Stonecroft Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,678 sqft · built 2003 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $291,000 (Oct 2008) |
| Tax Bill | $6,277 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T031100093 |
| Primary APN | T031100093 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,678 sqft Living Area |
| Gross Area | 5,291 sqft |
| 1st Floor Area | 1,795 sqft |
| Basement Area | 1,448 sqft |
| Finished Basement | 435 sqft |
| Unfinished Basement | 1,013 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 45 sqft |
| Patio Area | 150 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T031100093 |
|---|---|
| Street Address | 4197 STONECROFT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTHAMPTON #1 LOT 2 |
| Legal Subdivision | WESTHAMPTON #1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 311122 |
4197 Stonecroft Dr is owned and occupied by an individual who bought it in October 2008.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| 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.
| Date | Document |
|---|---|
| Jan 18, 2024 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Mar 22, 2021 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Apr 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2008 · Amount on File |
| Deed Sale | Oct 28, 2008 · Amount on File |
| Prior Sale | Jul 16, 2008 · Amount on File |
| Deed Document Number | 2008729430 |
| Deed Book / Page | 5066 / 466 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Document Number | 0000002305 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 2024R-002305 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Document Number | 2021R024733 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2021R-024733 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0067220208 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 6722/0208 |
| Instrument | 20170403000199660 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4197 STONECROFT DR, SAINT CHARLES, MO 63304-7775 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071621754 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 7162/1754 |
| Instrument | 20191015000579180 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | KANSAS CITY, MO 64116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2039 |
The 2025 property tax bill for 4197 Stonecroft Dr was $6,277.
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 | $106,074 (-) | $558,282 (-) Building $558,282 | |
| 2025 | $6,277.00 | $106,074 | $558,282 |
| 2023 | $94,881 | ||
| 2022 | $499,371 Land $70,000 Building $429,371 |
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.
FEMA maps place 4197 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 risk around 4197 Stonecroft Dr is low, with 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 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.
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 283 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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