5 Birch Tree Ln, New Melle, MO 63365 Property Records

St. Charles County property record for 5 Birch Tree Ln, New Melle, MO 63365

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,938 sqft · built 1980
Lot Size	4.46 acres (194,278 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Apr 2017)
Tax Bill	$5,239 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`602220A005`

Property Details

APN / Parcel Number

Primary APN	`602220A005`
Alternative APN	`3-0048-5221-00-0005.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,938 sqft Living Area
Gross Area	4,952 sqft
1st Floor Area	1,988 sqft
Basement Area	1,956 sqft
Finished Basement	950 sqft
Unfinished Basement	1,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	194,278 sqft
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	602220A005
Street Address	5 BIRCH TREE LN
City	NEW MELLE
State	MO
Zip	63365-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	BIRCHTREE FARMS #1 LOT 5
Legal Subdivision	BIRCHTREE FARMS #1
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1035
Census Tract	312206

Owner

5 Birch Tree Ln is owned and occupied by two individuals who bought it in April 2017.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Apr 25, 2017	Warranty Deed, Transfer · ARM GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2017 · Amount on File
Deed Sale	Apr 25, 2017 · Amount on File
Prior Sale	Jan 11, 2011 · Amount on File
Deed Document Number	2017246150
Deed Book / Page	6732 / 1313
Prior Transfer Date	Dec 30, 2010
Prior Transfer Doc	0055340858
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 173, NEW MELLE, MO 63365-0173

Mortgage

Document Number	0000055739
Date	Oct 12, 2022
Instrument	2022R-055739

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 173, NEW MELLE, MO 63365-0173

Mortgage

Document Number	0000103062
Date	Dec 27, 2021
Instrument	2021R-103062

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073660819
Date	Aug 7, 2020
Book Page	7366/819
Instrument	20200807000565730

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2017
Property Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002
Document Number	0067321313
Book / Page	6732 / 1313
Map Reference	MB 20 PG 46
Instrument Date	Apr 20, 2017
Instrument	20170425000246150
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4389 AUGUSTA SHORES DR, 4389, AUGUSTA, MO 63332-1572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BIRCH TREE LN, NEW MELLE, MO 63365-1002

Mortgage

Document Number	20170425000246160
Date	Apr 25, 2017
Instrument	20170425000246160

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 5 Birch Tree Ln was $5,239, up 4.1% from the year before.

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		$87,516 (-)	$460,609 (-) Land $131,124 Building $329,485
2025	$5,239.00 (+4.11%)	$87,516	$460,609 Land $131,124 Building $329,485
2024	$5,032.00
2023		$81,588
2022			$429,405 Land $109,270 Building $320,135

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

FEMA maps place 5 Birch Tree Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Birch Tree Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Wisper ISP.

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