5 Gail Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 5 Gail Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,508 sqft · built 1975
Lot Size	0.28 acres (1,240 sqft)
Owner	2 Individual Names on File
Last Sale	$277,550 (Feb 2026)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Feb 2026 Sale Dec 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422745A000`

Property Details

APN / Parcel Number

Primary APN	`422745A000`
Alternative APN	`2-0062-5001-00-0526.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,508 sqft Living Area
Gross Area	2,012 sqft
1st Floor Area	1,046 sqft
Basement Area	462 sqft
Finished Basement	462 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,240 sqft (0.28 acres)
Lot Dimensions	20 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	422745A000
Street Address	5 GAIL DR
City	SAINT PETERS
State	MO
Zip	63376-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	SUNNY MEADOWS EST #4 SEC 2 LOT 526
Legal Subdivision	SUNNY MEADOWS EST #4 SEC 2
Legal Lot Number	526
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2008
Census Tract	311312

Owner

5 Gail Dr is owned and occupied by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 GAIL DR, SAINT PETERS, MO 63376-1917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Feb 20, 2026	Warranty Deed, Transfer FREEDOM TITLE
Dec 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on File
Deed Sale	Feb 20, 2026 · Amount on File
Prior Sale	Apr 10, 2018
Deed Document Number	20267957
Prior Transfer Date	Apr 1, 2018
Prior Transfer Doc	0000192420
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 20, 2026
Property Address	5 GAIL DR, SAINT PETERS, MO 63376-1917
Document Number	0000007957
Map Reference	MB 16 PG 39
Instrument Date	Feb 17, 2026
Instrument	2026R-007957
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 GAIL DR, SAINT PETERS, MO 63376-1917

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 GAIL DR, SAINT PETERS, MO 63376-1917
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 GAIL DR, SAINT PETERS, MO 63376-1917

Mortgage

Document Number	0000097521
Date	Dec 1, 2021
Instrument	2021R-097521

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Nov 23, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 5 Gail Dr was $2,678.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,376 (-)	$228,296 (-) Land $45,000 Building $183,296
2025	$2,678.00	$43,376	$228,296 Land $45,000 Building $183,296
2023		$39,373 (+39.08%)
2022	$1,938.00	$28,309	$207,227 (+39.08%) Land $35,000 Building $172,227
2021			$148,994 Land $30,000 Building $118,994

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 Gail Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2015.

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	4 in force
Nearby Flood Claims	4 (2015–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims

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.

Wildfire

Wildfire risk around 5 Gail Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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