St. Charles County property record for 445 Empire Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,120 sqft · built 1996 |
| Lot Size | 0.85 acres (37,026 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $476,000 (Jul 2022) |
| Tax Bill | $6,086 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A965000398 |
| Primary APN | A965000398 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,120 sqft Living Area |
| Gross Area | 4,510 sqft |
| 1st Floor Area | 2,452 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 668 sqft |
| Unfinished Basement | 592 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 37,026 sqft (0.85 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 798 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | Deck Area |
| Patio Area | 320 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A965000398 |
|---|---|
| Street Address | 445 EMPIRE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4590 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PRESIDIO LOT 92 |
| Legal Subdivision | PRESIDIO |
| Legal Lot Number | 92 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310602 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 445 EMPIRE DR, SAINT CHARLES, MO 63301-4590 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage CALCON MUTUAL MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2022 · Amount on Record |
| Deed Sale | Jul 28, 2022 · Amount on Record |
| Prior Sale | Oct 15, 2012 · Amount on Record |
| Deed Document Number | 202242050 |
| Prior Transfer Date | May 20, 2008 |
| Prior Transfer Doc | 0000418200 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 445 EMPIRE DR, SAINT CHARLES, MO 63301-4590 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000041103 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 2021R-041103 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 28, 2022 |
| Property Address | 445 EMPIRE DR, SAINT CHARLES, MO 63301-4590 |
| Document Number | 0000042050 |
| Map Reference | MB 33 PG 24 |
| Instrument Date | Jul 19, 2022 |
| Instrument | 2022R-042050 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 80 HOMEFIELD CT, O FALLON, MO 63366-2041 |
| Name | Verified Name |
|---|---|
| Address | 445 EMPIRE DR, SAINT CHARLES, MO 63301-4590 |
| Document Number | 0000042051 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 2022R-042051 |
| Name | CALCON MUTUAL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $93,440 (-) | $491,791 (-) Land $80,000 Building $411,791 | |
| 2025 | $6,086.00 (+8.89%) | $93,440 (+11.99%) | $491,791 (+11.99%) Land $80,000 Building $411,791 |
| 2024 | $5,589.00 | ||
| 2023 | $83,436 | ||
| 2022 | $439,137 Land $60,000 Building $379,137 |
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.
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 Record 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 |
|
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.
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.
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 |
| 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.
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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