454 Fall River Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 454 Fall River Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,163 sqft · built 2010
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2022)
Tax Bill	$3,071 (2025)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T082700109`

Property Details

APN / Parcel Number

Primary APN	`T082700109`
Alternative APN	`3-0115-A366-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,163 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,190 sqft
Basement Area	1,190 sqft
Finished Basement	973 sqft
Unfinished Basement	217 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T082700109
Street Address	454 FALL RIVER LN
City	SAINT CHARLES
State	MO
Zip	63304-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FALL RIVERS ESTS LOT 11
Legal Subdivision	FALL RIVERS ESTS
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1000
Census Tract	311221

Owner

454 Fall River Ln is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	454 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Mar 8, 2016 · Amount on File
Deed Document Number	202242500
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2022
Property Address	454 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number	0000042500
Map Reference	MB 44 PG 313
Instrument Date	Jul 28, 2022
Instrument	2022R-042500
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 WILDBERRY LN, SAINT CHARLES, MO 63304-4533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 FALL RIVER LN, SAINT CHARLES, MO 63304-8501

Mortgage

Document Number	0000042501
Date	Aug 1, 2022
Instrument	2022R-042501

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 454 Fall River Ln was $3,071.

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		$51,654 (-)	$271,863 (-) Land $40,000 Building $231,863
2025	$3,071.00	$51,654	$271,863 Land $40,000 Building $231,863
2023		$49,637
2022			$261,249 Land $40,000 Building $221,249

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 454 Fall River Ln in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	28 (1978–2025)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 7 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 454 Fall River Ln is low, with less than 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20