48 Sharon Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 48 Sharon Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,244 sqft · built 1958
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$185,547 (Apr 2021)
Tax Bill	$3,405 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`456690A000`

Property Details

APN / Parcel Number

Primary APN	`456690A000`
Alternative APN	`3-002C-4208-00-0048.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
Gross Area	3,972 sqft
1st Floor Area	2,244 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	84 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	456690A000
Street Address	48 SHARON DR
City	SAINT CHARLES
State	MO
Zip	63303-3973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BELLEVUE TERR LOT 48
Legal Subdivision	BELLVUE TERR
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4022
Census Tract	311004

Owner

Source: St. Charles County records, as of August 7, 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 Record
Mailing Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Sep 30, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Feb 4, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	202129670
Prior Transfer Date	Jul 16, 1997
Prior Transfer Doc	0000039271
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973

Mortgage

Document Number	2021R029671
Date	Apr 5, 2021
Instrument	2021R-029671

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071520658
Date	Sep 30, 2019
Book Page	7152/0658
Instrument	20190930000538460

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 4, 2019
Property Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973
Document Number	0070320342
Book / Page	7032 / 0342
Map Reference	MB 5 PG 55
Instrument Date	Jan 30, 2019
Instrument	20190204000051250
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SHARON DR, SAINT CHARLES, MO 63303-3973

Mortgage

Document Number	20190204000051270
Date	Feb 4, 2019
Instrument	20190204000051270

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,789 (-)	$298,889 (-) Building $298,889
2025	$3,405.00	$56,789 (+6.25%)	$298,889 (+6.25%)
2023		$53,448
2022			$281,303 Building $281,303

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.

Flood

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	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Brightspeed, Wisper ISP.

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