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

St. Charles County property record for 461 Fall River Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,570 sqft · built 2011
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Aug 2013)
Tax Bill	$3,402 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T082700114`

Property Details

APN / Parcel Number

Primary APN	`T082700114`
Alternative APN	`3-0115-A366-00-0016.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,570 sqft Living Area
Basement Area	1,006 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 2011
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T082700114
Old Parcel Number	T082700114
Street Address	461 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 16
Legal Range	04E
Legal Township	46N
Legal Subdivision	FALL RIVERS ESTS
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1000
Census Tract	311221

Owner

Source: St. Charles County records · APN T082700114

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	461 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 21, 2013 · Amount on Record
Deed Sale	Aug 21, 2013 · Amount on Record
Prior Sale	Mar 22, 2011
Deed Document Number	0006080589
Deed Book / Page	6080 / 589
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	461 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	CONTINENTAL TITLE, CONTINENTIAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R091114
Date	Nov 04, 2021
Instrument	2021R-091114

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2036

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,402.00	$57,279 (+3.7%)	$301,470 (+3.7%) Land $40,000 Building $261,470
2023		$55,236
2022			$290,715 Land $40,000 Building $250,715

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112211, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco 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 USA Fixed Wireless	100 / 20

Based on FCC filings for 256 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.