52 Clover Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 52 Clover Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1965
Lot Size	0.134 acres (5,850 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2017)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`548010A000`

Property Details

APN / Parcel Number

Primary APN	`548010A000`
Alternative APN	`3-0114-4007-00-0052.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	130 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	76 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	548010A000
Street Address	52 CLOVER CT
City	SAINT CHARLES
State	MO
Zip	63304-7234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CLOVER MEADOWS LOT 52
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	52
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2031
Census Tract	311322

Owner

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	Individual Name on Record
Mailing Address	52 CLOVER CT, SAINT CHARLES, MO 63304-7234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2017 · Amount on Record
Deed Sale	Aug 28, 2017 · Amount on Record
Prior Sale	Jul 26, 2007 · Amount on Record
Deed Document Number	2017540080
Deed Book / Page	6797 / 2392
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 28, 2017
Property Address	52 CLOVER CT, SAINT CHARLES, MO 63304-7234
Document Number	0067972392
Book / Page	6797 / 2392
Map Reference	MB 9 PG 42
Instrument Date	Aug 24, 2017
Instrument	20170828000540080
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	937 AMETHYST DR, 937, O FALLON, MO 63366-1894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 CLOVER CT, SAINT CHARLES, MO 63304-7234

Mortgage

Document Number	20170828000540090
Date	Aug 28, 2017
Instrument	20170828000540090

Lender

Name	GREAT SOUTHERN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$44,478 (-)	$234,092 (-) Land $47,140 Building $186,952
2025	$2,648.00	$44,478 (+9.54%)	$234,092 (+9.53%) Land $47,140 Building $186,952
2023		$40,606
2022			$213,715 Land $47,140 Building $166,575

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	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	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 2 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 97% of the US · lower than 95% 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.

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 131 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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