4306 Castle Rock Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4306 Castle Rock Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,446 sqft · built 1992
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$197,500 (Jul 2013)
Tax Bill	$3,621 (2025)
Deeds & Mortgages	Oct 2026 Transfer Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A913000525`

Property Details

APN / Parcel Number

Primary APN	`A913000525`
Alternative APN	`3-0036-6661-00-0030.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
Gross Area	3,206 sqft
1st Floor Area	1,446 sqft
Basement Area	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	84 sqft
Patio Area	866 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A913000525
Street Address	4306 CASTLE ROCK CT
City	SAINT CHARLES
State	MO
Zip	63304-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK BURL EST #2 LOT 30
Legal Subdivision	OAK BURL EST #2
Legal Lot Number	30
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2000
Census Tract	311122

Owner

4306 Castle Rock Ct is owned and occupied by an individual who acquired it in October 2026.

Source: St. Charles County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2013 · Amount on File
Deed Sale	Jul 31, 2013 · Amount on File
Prior Sale	Jul 24, 2007 · Amount on File
Deed Document Number	2013608490
Deed Book / Page	6067 / 2194
Last Transfer Date	Oct 9, 2026
Transfer Doc	0000048600
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2026
Property Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638
Document Number	0000048600
Instrument Date	Oct 9, 2026
Instrument	202648600
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 30, 2026
Property Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638
Document Number	0000020119
Instrument Date	Apr 13, 2026
Instrument	202620119
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638

Mortgage

Document Number	0000020119,
Date	Apr 30, 2026
Instrument	202620119

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2056

Interest

Rate	6.11%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069701434
Date	Aug 31, 2018
Book Page	6970/1434
Instrument	20180831000499030

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 CASTLE ROCK CT, SAINT CHARLES, MO 63304-1638

Mortgage

Document Number	0073810555
Date	Aug 26, 2020
Book Page	7381/555
Instrument	20200826000619860

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4306 Castle Rock Ct was $3,621, up 8.6% 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		$60,996 (-)	$321,031 (-) Land $60,000 Building $261,031
2025	$3,621.00 (+8.61%)	$60,996	$321,031 Land $60,000 Building $261,031
2024	$3,334.00
2023		$55,767
2022			$293,512 Land $55,000 Building $238,512

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 4306 Castle Rock Ct in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1981.

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
Nearby Flood Claims	16 (1981–2020)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 6 claims

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 4306 Castle Rock Ct 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.

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 366 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

May also be available: Wisper ISP.

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