St. Charles County property record for 5 De Roy Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,197 sqft · built 1926 |
| Lot Size | 0.26 acres (1,125 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,289 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer May 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 088650A000 |
| Primary APN | 088650A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,197 sqft Living Area |
| Gross Area | 2,438 sqft |
| 1st Floor Area | 1,234 sqft |
| Basement Area | 1,204 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,125 sqft (0.26 acres) |
| Lot Dimensions | 45 ft deep x 25 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 45 sqft |
| Patio Area | 99 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 088650A000 |
|---|---|
| Street Address | 5 DE ROY LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ST CHAS HGTS BLK I LOTS 29 & 30 |
| Legal Subdivision | ST CHAS HGTS |
| Legal Block | I |
| Legal Lot Number | 29 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 310400 |
Source: St. Charles County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 910 N 3RD ST, SAINT CHARLES, MO 63301-2047 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 23, 2026 | Quit Claim Deed, Transfer Quitclaim |
| May 20, 2021 | Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF ST CHARLES MO |
| May 20, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Jul 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2026 |
| Deed Sale | Mar 23, 2026 |
| Prior Sale | May 20, 2021 · Amount on Record |
| Deed Document Number | 202613099 |
| Prior Transfer Date | May 19, 2021 |
| Prior Transfer Doc | 2021R043744 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 23, 2026 |
| Property Address | 5 DE ROY LN, SAINT CHARLES, MO 63301-0938 |
| Document Number | 0000013099 |
| Map Reference | MB 3 PG 87 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 2026R-013099 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 N 3RD ST, SAINT CHARLES, MO 63301-0966 |
| Name | Verified Name |
|---|---|
| Address | 910 N 3RD ST, SAINT CHARLES, MO 63301-2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2021 |
| Property Address | 5 DE ROY LN, SAINT CHARLES, MO 63301-0938 |
| Document Number | 2021R043745 |
| Map Reference | MB 3 PG 87 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021R-043745 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 BLUFFVIEW EST, 144, FOLEY, MO 63347-2526 |
| Name | Verified Name |
|---|---|
| Address | 400 BARTHEL AVE, SAINT CHARLES, MO 63301-0995 |
| Document Number | 2021R043746 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021R-043746 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 17, 2024 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2021 |
| Property Address | 5 DE ROY LN, SAINT CHARLES, MO 63301-0938 |
| Document Number | 2021R043744 |
| Map Reference | MB 3 PG 87 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021R-043744 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 DE ROY LN, SAINT CHARLES, MO 63301-0938 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 DE ROY LN, SAINT CHARLES, MO 63301-0938 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067720316 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 6772/0316 |
| Instrument | 20170710000422780 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 16, 2032 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $36,363 (-) | $191,381 (-) Land $40,000 Building $151,381 | |
| 2025 | $2,289.00 (-6.11%) | $36,363 (-3.92%) | $191,381 (-3.92%) Land $40,000 Building $151,381 |
| 2024 | $2,438.00 | ||
| 2023 | $37,847 | ||
| 2022 | $199,195 Land $30,000 Building $169,195 |
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 |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| 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 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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