St. Charles County property record for 520 Chele Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,712 sqft · built 1983 |
| Lot Size | 0.187 acres (8,132 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,300 (Oct 2019) |
| Tax Bill | $3,074 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 522240A044 |
| Primary APN | 522240A044 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,712 sqft Living Area |
| Gross Area | 2,392 sqft |
| 1st Floor Area | 1,242 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 470 sqft |
| Unfinished Basement | 30 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,132 sqft (0.187 acres) |
| Lot Dimensions | 76 ft deep x 107 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 522240A044 |
|---|---|
| Street Address | 520 CHELE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | MCCLAY FOREST #2 LOT 41 |
| Legal Subdivision | MCCLAY FOREST #2 |
| Legal Lot Number | 41 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311221 |
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 | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Sep 23, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Oct 22, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Dec 29, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on Record |
| Deed Sale | Oct 22, 2019 · Amount on Record |
| Prior Sale | Dec 29, 2017 · Amount on Record |
| Deed Document Number | 2019593720 |
| Deed Book / Page | 7166 / 1980 |
| Prior Transfer Date | Oct 15, 2019 |
| Prior Transfer Doc | 0071661980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2026 |
| Property Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 0000023741 |
| Instrument Date | May 11, 2026 |
| Instrument | 202623741 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 0000023741, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 202623741 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 0000072421 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 520 CHELE DR ST CHARLES MO 633045533, ST CHARLES, MO 63304-5533 |
| Document Number | 0000072421 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 72421 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 22, 2019 |
| Property Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 0071661980 |
| Book / Page | 7166 / 1980 |
| Map Reference | MB 22 PG 62 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 20191022000593720 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 20191022000593730 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 20191022000593730 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 29, 2017 |
| Property Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 0068600433 |
| Book / Page | 6860 / 0433 |
| Map Reference | MB 22 PG 62 |
| Instrument Date | Dec 22, 2017 |
| Instrument | 20171229000800990 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 CHELE DR, SAINT CHARLES, MO 63304-5533 |
| Document Number | 20171229000801000 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 20171229000801000 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
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 | $51,713 (-) | $272,174 (-) Land $50,000 Building $222,174 | |
| 2025 | $3,074.00 (-7.3%) | $51,713 (-6.77%) | $272,174 (-6.77%) Land $50,000 Building $222,174 |
| 2024 | $3,316.00 | ||
| 2023 | $55,467 | ||
| 2022 | $291,934 Building $291,934 |
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 | 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 |
|
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 96% of the US · lower than 94% 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.
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 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband 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 Fixed Wireless | 100 / 20 |
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