St. Charles County property record for 511 Ross Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,196 sqft · built 1979 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Nov 2022) |
| Tax Bill | $2,859 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 539880A000 |
| Primary APN | 539880A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 575 sqft |
| Finished Basement | 546 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 21,780 sqft (0.5 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 92 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 539880A000 |
|---|---|
| Old Parcel Number | 539880A000 |
| Street Address | 511 ROSS LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PT SE FRL 1/4 SEC 7 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Section | 07 |
| Legal Subdivision | US SURV #285 |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311221 |
Source: St. Charles County records · APN 539880A000
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 511 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC |
| Jan 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 15, 2022 · Amount on Record |
| Deed Sale | Nov 15, 2022 · Amount on Record |
| Prior Sale | Aug 19, 2019 |
| Deed Document Number | 0202261644 |
| Deed Book / Page | 2022 / 61644 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 15, 2022 |
| Property Address | 511 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000061644 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 2022R-061644 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000061645 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 2022R-061645 |
| Name | ENDEAVOR CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 511 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000008128 |
| Instrument Date | Jan 16, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 ROSS LN ST CHARLES MO 633045588, ST CHARLES, MO 63304-5588 |
| Document Number | 0000008128 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 8128 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2051 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,859.00 | $48,060 (+32.52%) | $252,940 (+32.52%) Land $32,500 Building $220,440 |
| 2023 | $36,267 | ||
| 2022 | $190,875 Land $31,250 Building $159,625 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco 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 USA Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 221 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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