St. Charles County property record for 5 Elks Trl, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,528 sqft · built 1976 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $267,500 (Oct 2013) |
| Tax Bill | $5,459 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 151050B003 |
| Primary APN | 151050B003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Gross Area | 4,166 sqft |
| 1st Floor Area | 1,536 sqft |
| Basement Area | 992 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,094 sqft |
| Garage Type | Attached |
| Garage Area | 646 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 397 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 151050B003 |
|---|---|
| Street Address | 5 ELKS TRL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WOODS LOT 4 |
| Legal Subdivision | WOODS #1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 310902 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5 ELKS TRL, SAINT CHARLES, MO 63303-3313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2013 · Amount on Record |
| Deed Sale | Oct 9, 2013 · Amount on Record |
| Prior Sale | Dec 1, 2011 · Amount on Record |
| Deed Document Number | 2013783960 |
| Deed Book / Page | 6104 / 955 |
| Prior Transfer Date | Feb 20, 2004 |
| Prior Transfer Doc | 0000173360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 ELKS TRL, SAINT CHARLES, MO 63303-3313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5 ELKS TRL, SAINT CHARLES, MO 63303-3313 |
| Document Number | 0000087644 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 2021R-087644 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
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 | $87,425 (-) | $460,134 (-) Land $110,000 Building $350,134 | |
| 2025 | $5,459.00 (+11.59%) | $87,425 (+14.33%) | $460,134 (+14.33%) Land $110,000 Building $350,134 |
| 2024 | $4,892.00 | ||
| 2023 | $76,466 | ||
| 2022 | $402,454 Land $99,000 Building $303,454 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 98% of the US · lower than 96% 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.
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 378 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: i3 Broadband.
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