St. Charles County property record for 473 Fall River Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,274 sqft · built 2012 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Dec 2021) |
| Tax Bill | $2,825 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T082700119 |
| Primary APN | T082700119 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| Gross Area | 2,948 sqft |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 1,274 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T082700119 |
|---|---|
| Street Address | 473 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 21 |
| Legal Subdivision | FALL RIVERS ESTS |
| Legal Lot Number | 21 |
| 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 September 10, 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 | 473 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 19, 2021 | Beneficiary Deed, Transfer |
| Aug 19, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2021 · Amount on Record |
| Deed Sale | Dec 15, 2021 · Amount on Record |
| Prior Sale | Dec 16, 2014 · Amount on Record |
| Deed Document Number | 2021101282 |
| Prior Transfer Date | Aug 9, 2021 |
| Prior Transfer Doc | 0000069916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 15, 2021 |
| Property Address | 473 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000101282 |
| Map Reference | MB 44 PG 313 |
| Instrument Date | Dec 7, 2021 |
| Instrument | 2021R-101282 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PARTNER AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6315 N ROSEBURY AVE, 6315, CLAYTON, MO 63105-2178 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 473 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000101283 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 2021R-101283 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 19, 2021 |
| Property Address | 473 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000069916 |
| Map Reference | MB 44 PG 313 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021R-069916 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6315 N ROSEBURY AVE APT 2W, 2W, SAINT LOUIS, MO 63105-2251 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 19, 2021 |
| Property Address | 473 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 2021R069915 |
| Map Reference | MB 44 PG 313 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021R-069915 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $47,491 (-) | $249,951 (-) Land $40,000 Building $209,951 | |
| 2025 | $2,825.00 (+14.33%) | $47,491 (+7.2%) | $249,951 (+7.2%) Land $40,000 Building $209,951 |
| 2023 | $44,303 (+15.63%) | ||
| 2022 | $2,471.00 | $38,315 | $233,172 (+15.63%) Land $40,000 Building $193,172 |
| 2021 | $201,660 Land $40,000 Building $161,660 |
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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