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

St. Charles County property record for 472 Fall River Ln, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,042 sqft · built 2012
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Aug 2023)
Tax Bill	$2,789 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T082700100`

Property Details

APN / Parcel Number

Primary APN	`T082700100`
Alternative APN	`3-0009-A366-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,042 sqft Living Area
Basement Area	1,012 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 2012
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	16,117 sqft (0.369 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T082700100
Old Parcel Number	T082700100
Street Address	472 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 2
Legal Range	04E
Legal Township	46N
Legal Subdivision	FALL RIVERS ESTS
Legal Lot Number	2
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 T082700100

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	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Dec 21, 2020	Warranty Deed, Transfer BANK OF AMERICA
Oct 16, 2017	Deed of Trust, Mortgage FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 03, 2023 · Amount on Record
Deed Sale	Aug 03, 2023 · Amount on Record
Prior Sale	Dec 21, 2020
Deed Document Number	0202331081
Deed Book / Page	2023 / 31081
Record Updated	Jun 08, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 03, 2023
Property Address	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number	0000031081
Map Reference	MB 44 PG 313
Instrument Date	Jul 31, 2023
Instrument	2023R-031081
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031082
Date	Aug 03, 2023
Instrument	2023R-031082

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2020
Property Address	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number	0000100438
Instrument Date	Nov 30, 2020
Instrument	100438
Transaction Type	Transfer
Record Updated	Mar 16, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 FALL RIVER LN ST CHARLES MO 633048501, ST CHARLES, MO 63304-8501

Mortgage

Document Number	100439
Date	Dec 21, 2020
Instrument	100439

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255-8501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	472 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number	0068260425
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 FALL RIVER LN ST CHARLES MO 633048501, ST CHARLES, MO 63304-8501

Mortgage

Document Number	0068260425
Date	Oct 20, 2017
Book Page	006826/000425
Instrument	659450

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 19, 2037

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	$2,789.00 (+10.5%)	$46,880 (+3.1%)	$246,737 (+3.1%) Land $40,000 Building $206,737
2023		$45,472 (+16.15%)
2022	$2,524.00	$39,149	$239,326 (+16.15%) Land $40,000 Building $199,326
2021			$206,045 Land $40,000 Building $166,045

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms & Flooding, Jul 1993 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 431 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: WH i3B Bidco LLC/WH i3B Topco, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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