St. Charles County property record for 465 Fall River Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,984 sqft · built 2012 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $466,830 (Oct 2026) |
| Tax Bill | $3,452 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T082700116 |
| Primary APN | T082700116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 3,224 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 840 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bi-Level |
| Exterior Material | Masonry Veneer |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T082700116 |
|---|---|
| Street Address | 465 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 18 |
| Legal Subdivision | FALL RIVERS ESTS |
| Legal Lot Number | 18 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311221 |
Source: St. Charles County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 9, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CREDIT UNION |
| Jan 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| May 29, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2026 · Amount on Record |
| Deed Sale | Oct 9, 2026 · Amount on Record |
| Prior Sale | May 29, 2019 · Amount on Record |
| Deed Document Number | 202648179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 9, 2026 |
| Property Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000048179 |
| Instrument Date | Oct 7, 2026 |
| Instrument | 202648179 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Investor | Possibly a Property Investor |
| Document Number | 0000048180, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 202648180 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 14, 2022 |
| Property Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000003364 |
| Map Reference | MB 44 PG 313 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022R-003364 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | TRUST TITLE COMPANY, TRUE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 CAPRON LN, 17, SAINT CHARLES, MO 63303-4248 |
| Name | Verified Name |
|---|---|
| Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000003365 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 2022R-003365 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 29, 2019 |
| Property Address | 465 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0070800206 |
| Book / Page | 007080 / 000206 |
| Instrument Date | May 23, 2019 |
| Instrument | 255080 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 465 FALL RIVER LN ST CHARLES MO 633048501, ST CHARLES, MO 63304-8501 |
| Document Number | 70800208 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 007080/000208 |
| Instrument | 255090 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLOUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2049 |
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 | $58,124 (-) | $305,917 (-) Land $40,000 Building $265,917 | |
| 2025 | $3,452.00 | $58,124 (+6.29%) | $305,917 (+6.29%) Land $40,000 Building $265,917 |
| 2023 | $54,684 | ||
| 2022 | $287,811 Land $40,000 Building $247,811 |
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 |
|---|---|
| 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 |
|
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 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.
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 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 |
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