4321 Eagle Rock Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4321 Eagle Rock Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,688 sqft · built 1991
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Mar 2025)
Tax Bill	$3,854 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A923000116`

Property Details

APN / Parcel Number

Primary APN	`A923000116`
Alternative APN	`3-0036-6767-00-0037.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,688 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,611 sqft
Basement Area	1,535 sqft
Finished Basement	1,077 sqft
Unfinished Basement	458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	362 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A923000116
Street Address	4321 EAGLE ROCK PL
City	SAINT CHARLES
State	MO
Zip	63304-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK BURL EST #3 LOT 37
Legal Subdivision	OAK BURL EST #3
Legal Lot Number	37
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2000
Census Tract	311122

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Jan 11, 2023	Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 16, 2022	Warranty Deed, Transfer TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Prior Sale	Jan 11, 2023 · Amount on Record
Deed Document Number	202510315
Prior Transfer Date	Aug 6, 2009
Prior Transfer Doc	0000640220
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636
Investor	Possibly a Property Investor

Mortgage

Document Number	0000102021
Date	Dec 20, 2021
Instrument	2021R-102021

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 11, 2023
Property Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636
Document Number	0000001244
Map Reference	MB 30 PG 302
Instrument Date	Jan 10, 2023
Instrument	2023R-001244
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636

Mortgage

Document Number	0000001245
Date	Jan 11, 2023
Instrument	2023R-001245

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 16, 2022
Property Address	4321 EAGLE ROCK PL, SAINT CHARLES, MO 63304-1636
Document Number	0000061729
Map Reference	MB 30 PG 302
Instrument Date	Nov 16, 2022
Instrument	2022R-061729
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62 WILDEMESS LANE, DEFIANCE, MO 63341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$64,955 (-)	$341,866 (-) Land $66,000 Building $275,866
2025	$3,854.00 (+9.12%)	$64,955 (+9.91%)	$341,866 (+9.91%) Land $66,000 Building $275,866
2024	$3,532.00
2023		$59,097
2022			$311,039 Land $60,500 Building $250,539

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

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

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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