St. Charles County property record for 500 Wellsmont Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,889 sqft · built 1999 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Company Name on Record |
| Last Sale | $254,938 (Aug 1999) |
| Tax Bill | $6,871 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T001100042 |
| Primary APN | T001100042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,889 sqft Living Area |
| Gross Area | 5,163 sqft |
| 1st Floor Area | 1,837 sqft |
| Basement Area | 1,348 sqft |
| Finished Basement | 704 sqft |
| Unfinished Basement | 644 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 110 sqft |
| Patio Area | 100 sqft |
| Account Number | T001100042 |
|---|---|
| Street Address | 500 WELLSMONT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HORSESHOE CREEK #2 LOT 51 |
| Legal Subdivision | HORSE SHOE CREEK #2 |
| Legal Lot Number | 51 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311150 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 29, 2017 | Deed of Trust, Mortgage COMMERCE BANK |
| Sep 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Jan 27, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 1999 · Amount on Record |
| Deed Sale | Aug 11, 1999 · Amount on Record |
| Deed Document Number | 199967409 |
| Deed Book / Page | 2291 / 1443 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000398090 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 6766/2157 |
| Instrument | 20170629000398090 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63304 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000508690 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 7143/2331 |
| Instrument | 20190917000508690 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000260510 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 7279/172 |
| Instrument | 20200427000260510 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 27, 2022 |
| Property Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
| Document Number | 0000005601 |
| Map Reference | MB 35 PG 317 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022R-005601 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 500 WELLSMONT DR, SAINT CHARLES, MO 63304-2300 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $86,233 (-) | $453,859 (-) Land $70,000 Building $383,859 | |
| 2025 | $6,871.00 | $86,233 (+15.03%) | $453,859 (+15.03%) Land $70,000 Building $383,859 |
| 2023 | $74,965 | ||
| 2022 | $394,555 Land $55,000 Building $339,555 |
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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 95% of the US · lower than 93% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 357 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 |
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