4392 Austin Pass Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4392 Austin Pass Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,782 sqft · built 2019
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,715 (2025)
Deeds & Mortgages	Feb 2024 Transfer Aug 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T043000019`

Property Details

APN / Parcel Number

Primary APN	`T043000019`
Alternative APN	`3-0060-9266-00-0040.0000000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,782 sqft Living Area
Basement Area	2,746 sqft
Finished Basement	2,060 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T043000019
Old Parcel Number	T043000019
Street Address	4392 AUSTIN PASS DR
City	SAINT CHARLES
State	MO
Zip	63304-0325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT AUSTIN RIDGE ADDN #3 LOT 40
Legal Range	04E
Legal Township	46N
Legal Section	00
Legal Subdivision	MANORS AT AUSTIN RIDGE ADDN #3
Legal Lot Number	40
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2014
Census Tract	311103

Owner

4392 Austin Pass Dr is owner-occupied and held in a trust since February 2024.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Feb 21, 2024	Intrafamily Transfer, Transfer
Aug 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CMNTY CU
Oct 22, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Apr 9, 2019	Deed of Trust, Mortgage · Line of Credit STIFEL BK
Mar 29, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 22, 2019
Deed Sale	Oct 22, 2019
Prior Sale	Oct 22, 2019
Deed Document Number	0071661912
Deed Book / Page	7166 / 1912
Last Transfer Date	Feb 21, 2024
Transfer Doc	0000006465
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 21, 2024
Property Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Document Number	0000006465
Map Reference	MB 39 PG 366
Instrument Date	Feb 19, 2024
Instrument	2024R-006465
Transaction Type	Transfer
Record Updated	Mar 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Document Number	0000082213
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4392 AUSTIN PASS DR ST CHARLES MO 633040325, ST CHARLES, MO 63304-0325

Mortgage

Document Number	0000082213
Date	Oct 28, 2020
Instrument	82213

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 27, 2035

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2019
Property Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Document Number	0071661912
Book / Page	7166 / 1912
Map Reference	MB 39 PG 366
Instrument Date	Oct 15, 2019
Instrument	20191022000593640
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 142853, SAINT LOUIS, MO 63114-0853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4392 AUSTIN PASS DR # 40, 40, SAINT CHARLES, MO 63304-0325

Mortgage

Document Number	20191022000593650
Date	Oct 22, 2019
Instrument	20191022000593650

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Document Number	0070671026
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2600 ENDICOTT AVE ST LOUIS MO 631145113, ST LOUIS, MO 63114-5113

Mortgage

Document Number	0070671026
Date	May 1, 2019
Book Page	007067/001026
Instrument	202050

Lender

Name	STIFEL BK
Address	CLAYTON, MO 63105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2019
Property Address	4392 AUSTIN PASS DR, SAINT CHARLES, MO 63304-0325
Document Number	0070521779
Book / Page	007052 / 001779
Instrument Date	Mar 29, 2019
Instrument	140310
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 142853 ST LOUIS MO 631140853, ST LOUIS, MO 63114-0853

Tax Assessment & Valuation

The 2025 property tax bill for 4392 Austin Pass Dr was $11,715.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$11,715.00	$198,371	$1,044,060 Land $165,000 Building $879,060
2023		$172,669
2022			$908,782 Land $165,000 Building $743,782

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

Flood

FEMA maps place 4392 Austin Pass Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	3 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · rainfall accumulation

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 4392 Austin Pass Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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