504 Highfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 504 Highfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,952 sqft · built 1982
Lot Size	0.243 acres (10,584 sqft)
Owner	2 Individual Names on File
Last Sale	$314,900 (Jan 2018)
Tax Bill	$4,630 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`545940C039`

Property Details

APN / Parcel Number

Primary APN	`545940C039`
Alternative APN	`3-0114-5425-00-0122.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,952 sqft Living Area
Gross Area	4,086 sqft
1st Floor Area	1,608 sqft
Basement Area	1,062 sqft
Finished Basement	480 sqft
Unfinished Basement	582 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,584 sqft (0.243 acres)
Lot Dimensions	54 ft deep x 196 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	546 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545940C039
Street Address	504 HIGHFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BIG SKY EST #1 LOT 122
Legal Subdivision	BIG SKY EST #1
Legal Lot Number	122
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2020
Census Tract	311322

Owner

504 Highfield Dr is owned and occupied by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 HIGHFIELD DR, SAINT CHARLES, MO 63304-7140
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

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Jan 3, 2018	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2018 · Amount on File
Deed Sale	Jan 3, 2018 · Amount on File
Prior Sale	Sep 30, 2015 · Amount on File
Deed Document Number	20185350
Deed Book / Page	6862 / 1138
Prior Transfer Date	Oct 20, 2006
Prior Transfer Doc	0046931202
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 HIGHFIELD DR, SAINT CHARLES, MO 63304-7140
Document Number	0000100121
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	504 HIGHFIELD DR ST CHARLES MO 633047140, ST CHARLES, MO 63304-7140

Mortgage

Document Number	0000100121
Date	Dec 21, 2020
Instrument	100121

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2018
Property Address	504 HIGHFIELD DR, SAINT CHARLES, MO 63304-7140
Document Number	0068621138
Book / Page	6862 / 1138
Map Reference	MB 21 PG 130
Instrument Date	Dec 29, 2017
Instrument	20180103000005350
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 HIGHFIELD DR, SAINT CHARLES, MO 63304-7140

Mortgage

Document Number	20180103000005360
Date	Jan 3, 2018
Instrument	20180103000005360

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 504 Highfield Dr was $4,630, up 10.6% from the year before.

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		$78,119 (-)	$411,155 (-) Land $70,000 Building $341,155
2025	$4,630.00 (+10.63%)	$78,119	$411,155 Land $70,000 Building $341,155
2024	$4,185.00
2023		$70,109
2022			$368,993 Land $70,000 Building $298,993

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 504 Highfield Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1982.

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	7 in force
Nearby Flood Claims	24 (1982–2022)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 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 504 Highfield 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 99.1% of the US · lower than 98.2% 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 181 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Wisper ISP.

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