St. Charles County property record for 518 Fox Pointe Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,924 sqft · built 1984 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jul 2009) |
| Tax Bill | $4,378 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 545940A091 |
| Primary APN | 545940A091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,924 sqft Living Area |
| Gross Area | 3,990 sqft |
| 1st Floor Area | 1,266 sqft |
| Basement Area | 1,252 sqft |
| Finished Basement | 626 sqft |
| Unfinished Basement | 626 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 91 sqft |
| Deck Area | Deck Area |
| Patio Area | 380 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 545940A091 |
|---|---|
| Street Address | 518 FOX POINTE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HUNTERS POINTE #3 LOT 50 |
| Legal Subdivision | HUNTERS POINTE #3 |
| Legal Lot Number | 50 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 311322 |
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 | 518 FOX POINTE DR, SAINT CHARLES, MO 63304-7152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 14, 2021 | Deed of Trust, Mortgage HOME LOAN EXPERT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2009 · Amount on Record |
| Deed Sale | Jul 8, 2009 · Amount on Record |
| Deed Document Number | 2009555060 |
| Deed Book / Page | 5227 / 722 |
| Prior Transfer Date | Aug 19, 1997 |
| Prior Transfer Doc | 0000048164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 518 FOX POINTE DR, SAINT CHARLES, MO 63304-7152 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE |
| Name | Verified Name |
|---|
| Document Number | 0070791287 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 7079/1287 |
| Instrument | 20190528000252020 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 518 FOX POINTE DR, SAINT CHARLES, MO 63304-7152 |
| Document Number | 0000005558 |
| Instrument Date | Jan 14, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 518 FOX POINTE DR ST CHARLES MO 633047152, ST CHARLES, MO 63304-7152 |
| Document Number | 0000005558 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 5558 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jan 19, 2041 |
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 | $73,839 (-) | $388,626 (-) Land $70,000 Building $318,626 | |
| 2025 | $4,378.00 | $73,839 (+6.8%) | $388,626 (+6.8%) Land $70,000 Building $318,626 |
| 2023 | $69,139 | ||
| 2022 | $363,891 Land $70,000 Building $293,891 |
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 | 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 |
|
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 98% of the US · lower than 96% 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.
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 203 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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