St. Charles County property record for 513 Wellsmont Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,166 sqft · built 2000 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $287,400 (Feb 2005) |
| Tax Bill | $5,090 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T001100039 |
| Primary APN | T001100039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,166 sqft Living Area |
| Gross Area | 5,134 sqft |
| 1st Floor Area | 1,798 sqft |
| Basement Area | 1,368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 105 sqft |
| Patio Area | 100 sqft |
| Account Number | T001100039 |
|---|---|
| Street Address | 513 WELLSMONT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HORSESHOE CREEK #2 LOT 48 |
| Legal Subdivision | HORSE SHOE CREEK #2 |
| Legal Lot Number | 48 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 513 WELLSMONT DR, SAINT CHARLES, MO 63304-2307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2005 · Amount on Record |
| Deed Sale | Feb 8, 2005 · Amount on Record |
| Prior Sale | Jan 29, 2001 · Amount on Record |
| Deed Document Number | 2005118680 |
| Deed Book / Page | 4096 / 189 |
| Prior Transfer Date | Aug 30, 2004 |
| Prior Transfer Doc | 0040960175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 513 WELLSMONT DR, SAINT CHARLES, MO 63304-2307 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 513 WELLSMONT DR, SAINT CHARLES, MO 63304-2307 |
| Document Number | 2021R036865 |
|---|---|
| Date | Apr 27, 2021 |
| Instrument | 2021R-036865 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ARNOLD, MO 63010 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $85,933 (-) | $452,277 (-) Land $70,000 Building $382,277 | |
| 2025 | $5,090.00 (+14.28%) | $85,933 (+15.1%) | $452,277 (+15.1%) Land $70,000 Building $382,277 |
| 2024 | $4,454.00 | ||
| 2023 | $74,660 | ||
| 2022 | $392,948 Land $55,000 Building $337,948 |
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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