St. Charles County property record for 509 Chele Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,494 sqft · built 1983 |
| Lot Size | 0.257 acres (11,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Dec 2020) |
| Tax Bill | $3,203 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 522240A058 |
| Primary APN | 522240A058 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,494 sqft Living Area |
| Gross Area | 2,404 sqft |
| 1st Floor Area | 1,254 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 240 sqft |
| Unfinished Basement | 260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,200 sqft (0.257 acres) |
| Lot Dimensions | 160 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 522240A058 |
|---|---|
| Street Address | 509 CHELE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | MCCLAY FOREST #3 LOT 42 |
| Legal Subdivision | MCCLAY FOREST #3 |
| Legal Lot Number | 42 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311221 |
509 Chele Dr is owned and occupied by two individuals who bought it in December 2020.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 CHELE DR, SAINT CHARLES, MO 63304-5516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2020 | Warranty Deed, Transfer FLAT BR MTG |
| Jul 13, 2017 | Deed of Trust, Mortgage GOLDEN OAK LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2020 · Amount on File |
| Deed Sale | Dec 9, 2020 · Amount on File |
| Deed Document Number | 202096480 |
| Prior Transfer Date | Dec 30, 1997 |
| Prior Transfer Doc | 0000000326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 9, 2020 |
| Property Address | 509 CHELE DR, SAINT CHARLES, MO 63304-5516 |
| Document Number | 0000096480 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 96480 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2021 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 509 CHELE DR ST CHARLES MO 633045516, ST CHARLES, MO 63304-5516 |
| Document Number | 96481 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 96481 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 509 CHELE DR, SAINT CHARLES, MO 63304-5516 |
| Document Number | 0067781827 |
| Book / Page | 006778 / 001827 |
| Instrument Date | Jul 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | CLEAR TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 509 CHELE DR ST CHARLES MO 633045516, ST CHARLES, MO 63304-5516 |
| Document Number | 0067781827 |
|---|---|
| Date | Jul 20, 2017 |
| Book Page | 006778/001827 |
| Instrument | 453090 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 19, 2047 |
The 2025 property tax bill for 509 Chele Dr was $3,203.
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 | $53,896 (-) | $283,661 (-) Land $50,000 Building $233,661 | |
| 2025 | $3,203.00 | $53,896 | $283,661 Land $50,000 Building $233,661 |
| 2023 | $57,873 | ||
| 2022 | $304,596 Building $304,596 |
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.
FEMA maps place 509 Chele Dr 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 | 5 in force |
| Nearby Flood Claims | 28 (1978–2025) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Jun 2025 · river or lake flooding |
| Claims by Event |
|
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 risk around 509 Chele 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 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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