444 Empire Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 444 Empire Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,108 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$351,480 (Apr 2022)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A965000400`

Property Details

APN / Parcel Number

Primary APN	`A965000400`
Alternative APN	`5-0079-7413-00-0094.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,108 sqft Living Area
Gross Area	5,018 sqft
1st Floor Area	1,798 sqft
Basement Area	1,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A965000400
Street Address	444 EMPIRE DR
City	SAINT CHARLES
State	MO
Zip	63301-4591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PRESIDIO LOT 94
Legal Subdivision	PRESIDIO
Legal Lot Number	94
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1007
Census Tract	310602

Owner

444 Empire Dr is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	444 EMPIRE DR, SAINT CHARLES, MO 63301-4591
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
Apr 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JLB CORP
Mar 8, 2019	Deed of Trust, Mortgage CALIBER HM LOANS
Jun 23, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Oct 4, 1999 · Amount on File
Deed Document Number	202221734
Prior Transfer Date	Apr 11, 2022
Prior Transfer Doc	0000021734
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2022
Property Address	444 EMPIRE DR, SAINT CHARLES, MO 63301-4591
Document Number	0000021734
Map Reference	MB 33 PG 24
Instrument Date	Apr 11, 2022
Instrument	2022R-021734
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

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
Address	444 EMPIRE DR, SAINT CHARLES, MO 63301-4591

Mortgage

Document Number	0000021735
Date	Apr 15, 2022
Instrument	2022R-021735

Lender

Name	JLB CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	444 EMPIRE DR, SAINT CHARLES, MO 63301-4591
Document Number	0070460377
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NETCO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 EMPIRE DR ST CHARLES MO 633014591, ST CHARLES, MO 63301-4591

Mortgage

Document Number	0070460377
Date	Mar 13, 2019
Book Page	007046/000377
Instrument	112080

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 12, 2034

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 23, 2017
Property Address	444 EMPIRE DR, SAINT CHARLES, MO 63301-4591
Document Number	0067640213
Book / Page	006764 / 000213
Instrument Date	May 23, 2017
Instrument	385290
Transaction Type	Construction Loan
Record Updated	Jul 11, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 EMPIRE DR ST CHARLES MO 633014591, ST CHARLES, MO 63301-4591

Mortgage

Document Number	67640213
Date	Jun 23, 2017
Book Page	006764/000213
Instrument	385290

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301-1852

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 22, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$103,322	$543,801 Land $72,000 Building $471,801
2023	$92,867
2022		$488,776 Land $54,000 Building $434,776

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 444 Empire Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	61 (1979–2022)
Claims Outside the SFHA	16 of 61
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 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 444 Empire 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	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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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