5 Sunset Acres, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5 Sunset Acres, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,616 sqft · built 1964
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (May 2020)
Tax Bill	$3,678 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`553710A000`

Property Details

APN / Parcel Number

Primary APN	`553710A000`
Alternative APN	`3-0111-1776-00-0003.3000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,616 sqft Living Area
Gross Area	3,692 sqft
1st Floor Area	1,586 sqft
Basement Area	1,586 sqft
Finished Basement	1,030 sqft
Unfinished Basement	556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	1,133 sqft
Patio Area	251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	553710A000
Street Address	5 SUNSET ACRES
City	SAINT CHARLES
State	MO
Zip	63304-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SUR 1776
Legal Subdivision	US SURV 1776
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3013
Census Tract	311124

Owner

5 Sunset Acres is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 SUNSET ACRES, SAINT CHARLES, MO 63304-8001
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Prior Sale	May 19, 2020 · Amount on File
Deed Document Number	2020325800
Deed Book / Page	7298 / 2295
Prior Transfer Date	Jun 30, 2005
Prior Transfer Doc	0042880481
Record Updated	Oct 29, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 19, 2020
Property Address	5 SUNSET ACRES, SAINT CHARLES, MO 63304-8001
Document Number	0072982295
Book / Page	007298 / 002295
Instrument Date	May 15, 2020
Instrument	325800
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5 SUNSET ACRES ST CHARLES MO 633048001, ST CHARLES, MO 63304-8001

Mortgage

Document Number	72982298
Date	May 19, 2020
Book Page	007298/002298
Instrument	325810

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5 Sunset Acres was $3,678, up 8.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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		$59,622 (-)	$313,799 (-) Land $79,875 Building $233,924
2025	$3,678.00 (+8.3%)	$59,622	$313,799 Land $79,875 Building $233,924
2024	$3,396.00
2023		$54,540
2022			$287,052 Land $60,000 Building $227,052

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 Sunset Acres in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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 Sunset Acres is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 92% 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.

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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