5 Lois Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5 Lois Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 750 sqft · built 1960
Lot Size	0.351 acres (15,298 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Aug 2022)
Tax Bill	$524 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`501870A000`

Property Details

APN / Parcel Number

Primary APN	`501870A000`
Alternative APN	`3-0037-4095-00-0005.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	750 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,298 sqft (0.351 acres)
Lot Dimensions	153 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	501870A000
Street Address	5 LOIS DR
City	SAINT CHARLES
State	MO
Zip	63304-7033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HICKORY DALE ANNEX LOT 5
Legal Subdivision	HICKORY DALE ANNEX
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

5 Lois Dr is owned by two individuals who bought it in August 2022.

Source: St. Charles County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	49A LILLIAN DR, SAINT CHARLES, MO 63304-7005
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
Sep 8, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY STATE BANK/MO
Aug 30, 2022	Warranty Deed, Transfer · Seller Carry-Back DONALD E RUNGE ETAL
Jul 1, 2022	Intrafamily Transfer, Transfer
Jun 17, 2022	Warranty Deed, Subdivision Related Transfer TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY LLC
Jan 13, 2022	Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Jun 17, 2022 · Amount on File
Deed Document Number	202248095
Prior Transfer Date	Jun 30, 2022
Prior Transfer Doc	0000036890
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 8, 2026
Property Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033
Document Number	0000042920
Instrument Date	Sep 3, 2026
Instrument	202642920
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033

Mortgage

Document Number	0000042920,
Date	Sep 8, 2026
Instrument	202642920

Lender

Name	COMMUNITY STATE BANK/MO

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	144 Months
Due	Sep 4, 2038

Interest

Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2022
Property Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033
Document Number	0000048095
Map Reference	MB 5 PG 50
Instrument Date	Aug 30, 2022
Instrument	2022R-048095
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49A LILLIAN DR, SAINT CHARLES, MO 63304-7005

Mortgage

Document Number	0000048096
Date	Aug 30, 2022
Instrument	2022R-048096

Lender

Name	DONALD E RUNGE ETAL
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 1, 2022
Property Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033
Document Number	0000036890
Map Reference	MB 5 PG 50
Instrument Date	Jun 30, 2022
Instrument	2022R-036890
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 LOIS DR, SAINT CHARLES, MO 63304-7033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2 LOIS DR, SAINT CHARLES, MO 63304-7033

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 17, 2022
Property Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033
Document Number	0000034023
Map Reference	MB 5 PG 50
Instrument Date	Jun 16, 2022
Instrument	2022R-034023
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3501 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LOIS DR, SAINT CHARLES, MO 63304-7033

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 13, 2022
Property Address	5 LOIS DR, SAINT CHARLES, MO 63304-7033
Document Number	0000002837
Map Reference	MB 5 PG 50
Instrument Date	Jan 12, 2022
Instrument	2022R-002837
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 KING DR, SAINT CHARLES, MO 63303-3515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 BLUFF VIEW DR, SAINT CHARLES, MO 63303-6610
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5 Lois Dr was $524.

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		$8,429 (-)	$44,367 (-) Land $43,750 Building $617
2025	$524.00	$8,429	$44,367 Land $43,750 Building $617
2023		$16,558
2022			$87,148 Land $35,000 Building $52,148

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 Lois Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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 Lois 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 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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