St. Charles County property record for 45 Cloverdale Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,080 sqft · built 1966 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $2,603 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 547800A000 |
| Primary APN | 547800A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 2,511 sqft |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,080 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 608 sqft |
| Deck Area | Deck Area |
| Patio Area | 960 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 547800A000 |
|---|---|
| Street Address | 45 CLOVERDALE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CLOVER MEADOWS LOT 45 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Lot Number | 45 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 311322 |
45 Cloverdale Dr is owned by a company that acquired it in October 2012.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 45 CLOVERDALE DR, SAINT CHARLES, MO 63304-7224 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 16, 2012 |
| Transfer Doc | 0058862167 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 45 CLOVERDALE DR, SAINT CHARLES, MO 63304-7224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 CLOVERDALE DR, SAINT CHARLES, MO 63304-7224 |
| Document Number | 0000016315 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022R-016315 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Apr 1, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 45 Cloverdale Dr was $2,603, up 8.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $43,708 (-) | $230,040 (-) Land $47,140 Building $182,900 | |
| 2025 | $2,603.00 (+8.23%) | $43,708 | $230,040 Land $47,140 Building $182,900 |
| 2024 | $2,405.00 | ||
| 2023 | $40,098 | ||
| 2022 | $211,040 Land $47,140 Building $163,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Cloverdale Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 | 7 in force |
| Nearby Flood Claims | 24 (1982–2022) |
| Claims Outside the SFHA | 1 of 24 |
| 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.
Wildfire risk around 45 Cloverdale 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 94% of the US · lower than 92% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 131 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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