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

St. Charles County property record for 474 Fall River Ln, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,062 sqft · built 2013
Lot Size0.27 acres (11,762 sqft)
OwnerIndividual Name on File
Last Sale$225,000 (Aug 2021)
Tax Bill$2,496 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNT082700099

Property Details

APN / Parcel Number

Primary APNT082700099
Alternative APN
  • 3-0009-A366-00-0001.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,062 sqft Living Area
Basement Area1,012 sqft

Exterior

Year BuiltBuilt 2013
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area11,762 sqft (0.27 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account NumberT082700099
Old Parcel NumberT082700099
Street Address474 FALL RIVER LN
CitySAINT CHARLES
StateMO
Zip63304-8501
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFALL RIVERS ESTS LOT 1
Legal Range04E
Legal Township46N
Legal SubdivisionFALL RIVERS ESTS
Legal Lot Number1
JurisdictionST CHARLES MO
Township / Civil DivisionST. PETERS
Census Block Group1
Census Block1000
Census Tract311221

Owner

Source: St. Charles County records · APN T082700099

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 RecordIndividual Name on File
Mailing Address474 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2026Deed of Trust, Mortgage · Conventional Mortgage
UNLOCK PARTNERSHIP SOLUTIONS INC
Aug 23, 2021Warranty Deed, Transfer · Conventional Mortgage
STIFEL BANK & TRUST

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 23, 2021 · Amount on Record
Deed SaleAug 23, 2021 · Amount on Record
Prior SaleDec 09, 2013 · Amount on Record
Deed Document Number0202170512
Deed Book / Page2021 / 70512
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Recording DateJul 17, 2026
Property Address474 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number0000033771
Instrument DateJul 08, 2026
Instrument202633771
Transaction TypeMortgage
Record UpdatedJul 28, 2026
Title CompanyCLEAREDGE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address474 FALL RIVER LN, SAINT CHARLES, MO 63304-8501

Mortgage

Document Number0000033771,
DateJul 17, 2026
Instrument202633771
Lender
NameUNLOCK PARTNERSHIP SOLUTIONS INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
Interest
Rate6.52%
Max Rate-1%

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 23, 2021
Property Address474 FALL RIVER LN, SAINT CHARLES, MO 63304-8501
Document Number2021R070512
Map ReferenceMB 44 PG 313
Instrument DateAug 19, 2021
Instrument2021R-070512
Transaction TypeTransfer
Record UpdatedSep 02, 2021
Title CompanyINVESTORS TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address37 HOLLANDBUSH CT, 37, SAINT PETERS, MO 63304-7569

Transferred To (Grantee/Buyer)

NameVerified Name
Address474 FALL RIVER LN, SAINT CHARLES, MO 63304-8501

Mortgage

Document Number2021R070513
DateAug 23, 2021
Instrument2021R-070513
Lender
NameSTIFEL BANK & TRUST
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,496.00$41,899 (+6.15%)$220,523 (+6.15%) Land $40,000 Building $180,523
2023$39,471
2022$207,744 Land $40,000 Building $167,744

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims28 (1978–2025)
Claims Outside the SFHA6 of 28
Most Recent ClaimJun 2025, river or lake flooding
Claims By Storm
  • Severe Storms & Flooding, Jul 1993 · 7 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 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.

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