St. Charles County property record for 5 Denbrook Ter, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,394 sqft · built 2022 |
| Lot Size | 0.197 acres (8,590 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $407,030 (Jul 2026) |
| Tax Bill | $7,682 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T220700075 |
| Primary APN | T220700075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,394 sqft Living Area |
| Gross Area | 3,752 sqft |
| Basement Area | 1,432 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,590 sqft (0.197 acres) |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T220700075 |
|---|---|
| Street Address | 5 DENBROOK TER |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4871 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANORS AT ELMHAVEN LOT 29 |
| Legal Subdivision | MANORS AT ELMHAVEN |
| Legal Lot Number | 29 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 310301 |
Source: St. Charles County records, as of September 14, 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 | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage PRIME LENDING |
| Sep 27, 2022 | Deed of Trust, Mortgage · Construction Mortgage LINDELL BANK & TRUST CO |
| Feb 16, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Feb 16, 2023 · Amount on Record |
| Deed Document Number | 202632527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 10, 2026 |
| Property Address | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000032527 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202632527 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000032528, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202632528 |
| Name | PRIME LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD 200, 200, CHESTERFIELD, MO 63005-1276 |
| Investor | Possibly a Property Investor |
| Document Number | 0000052823 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 2022R-052823 |
| Name | LINDELL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63139 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 16, 2023 |
| Property Address | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000005800 |
| Map Reference | DOC 2021R-069564 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 2023R-005800 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 5 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000005801 |
|---|---|
| Date | Feb 16, 2023 |
| Instrument | 2023R-005801 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
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 | $123,237 (-) | $648,611 (-) Land $80,000 Building $568,611 | |
| 2025 | $7,682.00 (+5.46%) | $123,237 (+710.77%) | $648,611 (+710.76%) Land $80,000 Building $568,611 |
| 2024 | $7,284.00 | ||
| 2023 | $15,200 | ||
| 2022 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 | 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 | 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 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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