St. Charles County property record for 522 Ross Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,456 sqft · built 1963 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Company Name on File |
| Last Sale | $328,559 (Jul 2023) |
| Tax Bill | $3,204 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 522270A000 |
| Primary APN | 522270A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 3,200 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 1,456 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,897 sqft (0.87 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 281 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 522270A000 |
|---|---|
| Street Address | 522 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 1/4 |
| Legal Lot Number | 15 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311221 |
522 Ross Ln is owned by a company that bought it in July 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 7253 WATSON RD, 1380, SAINT LOUIS, MO 63119-4401 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 11, 2023 | Warranty Deed, Transfer |
| Sep 22, 2022 | Warranty Deed, Transfer · FHA Mortgage STIFEL BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2023 · Amount on File |
| Deed Sale | Jul 11, 2023 · Amount on File |
| Prior Sale | Sep 22, 2022 · Amount on File |
| Deed Document Number | 202327279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 11, 2023 |
| Property Address | 522 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000027279 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 2023R-027279 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 522 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 22, 2022 |
| Property Address | 522 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000052086 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 2022R-052086 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 420 W ADAMS AVE, SAINT LOUIS, MO 63122-4087 |
| Name | Verified Name |
|---|---|
| Address | 522 ROSS LN, SAINT CHARLES, MO 63304-5588 |
| Document Number | 0000052087 |
|---|---|
| Date | Sep 22, 2022 |
| Instrument | 2022R-052087 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 522 Ross Ln was $3,204.
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 | $54,389 (-) | $286,258 (-) Land $39,000 Building $247,258 | |
| 2025 | $3,204.00 | $54,389 | $286,258 Land $39,000 Building $247,258 |
| 2023 | $49,034 (+20.92%) | ||
| 2022 | $2,586.00 | $40,550 | $258,075 (+20.92%) Land $37,500 Building $220,575 |
| 2021 | $213,422 Land $30,000 Building $183,422 |
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.
FEMA maps place 522 Ross Ln in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1978.
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.
Wildfire risk around 522 Ross Ln is low, with less than a 0.01% annual chance of wildfire.
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 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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