St. Charles County property record for 49 Clover Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,675 sqft · built 1969 |
| Lot Size | 0.183 acres (7,980 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,994 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Feb 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 547920A000 |
| Primary APN | 547920A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,675 sqft Living Area |
| Gross Area | 2,350 sqft |
| 1st Floor Area | 1,175 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,980 sqft (0.183 acres) |
| Lot Dimensions | 114 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 547920A000 |
|---|---|
| Street Address | 49 CLOVER CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CLOVER MEADOWS LOT 49 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Lot Number | 49 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 311322 |
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 | 49 CLOVER CT, SAINT CHARLES, MO 63304-7234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2024 | Intrafamily Transfer, Transfer |
| Feb 21, 2024 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2024 |
| Transfer Doc | 0000006113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 16, 2024 |
| Property Address | 49 CLOVER CT, SAINT CHARLES, MO 63304-7234 |
| Document Number | 0000006113 |
| Map Reference | MB 9 PG 42 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 2024R-006113 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 CLOVER CT, SAINT CHARLES, MO 63304-7234 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 21, 2024 |
| Property Address | 49 CLOVER CT, SAINT CHARLES, MO 63304-7234 |
| Document Number | 0000006471 |
| Map Reference | MB 9 PG 42 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 2024R-006471 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 49 CLOVER CT, SAINT CHARLES, MO 63304-7234 |
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 | $50,356 (-) | $265,029 (-) Land $47,140 Building $217,889 | |
| 2025 | $2,994.00 | $50,356 (+11.49%) | $265,029 (+11.49%) Land $47,140 Building $217,889 |
| 2023 | $45,165 | ||
| 2022 | $237,711 Land $47,140 Building $190,571 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 in force |
| Nearby Flood Claims | 24 (1982–2022) |
| Claims Outside the SFHA | 1 of 24 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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