511 River Bend Estates Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 511 River Bend Estates Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,170 sqft · built 1985
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,500 (Apr 2000)
Tax Bill	$4,320 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850001928`

Property Details

APN / Parcel Number

Primary APN	`A850001928`
Alternative APN	`3-0014-5754-00-0006.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	3,678 sqft
1st Floor Area	1,142 sqft
Basement Area	1,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	512 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001928
Street Address	511 RIVER BEND ESTATES DR
City	SAINT CHARLES
State	MO
Zip	63303-6059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND EST LOT 6
Legal Subdivision	RIVER BEND EST
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3008
Census Tract	311145

Owner

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 Record
Mailing Address	511 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOKF NA
Dec 30, 2020	Deed of Trust, Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2000 · Amount on Record
Deed Sale	Apr 5, 2000 · Amount on Record
Deed Document Number	200019872
Deed Book / Page	2379 / 1729
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067011270
Date	Feb 21, 2017
Book Page	6701/1270
Instrument	20170221000105710

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6059

Mortgage

Document Number	0070010076
Date	Nov 8, 2018
Book Page	7001/0076
Instrument	20181108000636570

Lender

Name	BOKF NA
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6059
Document Number	0000003011
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 RIVER BEND ESTATES DR ST CHARLES MO 633036059, ST CHARLES, MO 63303-6059

Mortgage

Document Number	0000003011
Date	Jan 12, 2021
Instrument	3011

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

Tax Assessment & Valuation

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		$71,997 (-)	$378,933 (-) Land $70,000 Building $308,933
2025	$4,320.00	$71,997 (+10.61%)	$378,933 (+10.61%) Land $70,000 Building $308,933
2023		$65,092
2022			$342,588 Land $50,000 Building $292,588

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

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
Nearby Flood Claims	46 (1978–2024)
Claims Outside the SFHA	28 of 46
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Flooding, Jun 2011 · 2 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 2 claims Severe Storms & Flooding, Aug 1993 · 13 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

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

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

May also be available: Wisper ISP.

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