534 Fox Pointe Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 534 Fox Pointe Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,390 sqft · built 1984
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2016)
Tax Bill	$4,401 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`545940A087`

Property Details

APN / Parcel Number

Primary APN	`545940A087`
Alternative APN	`3-0114-5651-00-0046.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,390 sqft Living Area
Gross Area	3,970 sqft
1st Floor Area	1,250 sqft
Basement Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	50 sqft
Deck Area	Deck Area
Patio Area	472 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545940A087
Street Address	534 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 46
Legal Subdivision	HUNTERS POINTE #3
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2019
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	2 Individual Names on Record
Mailing Address	534 FOX POINTE DR, SAINT CHARLES, MO 63304-7152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Mar 16, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Oct 10, 2017	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2016 · Amount on Record
Deed Sale	Jul 19, 2016 · Amount on Record
Prior Sale	Aug 2, 2006 · Amount on Record
Deed Document Number	2016454050
Deed Book / Page	6575 / 2406
Prior Transfer Date	Nov 11, 2005
Prior Transfer Doc	0043511904
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 FOX POINTE DR, SAINT CHARLES, MO 63304-7152
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 FOX POINTE DR, WELDON SPRING, MO 63304-7152

Mortgage

Document Number	0000003305
Date	Jan 14, 2022
Instrument	2022R-003305

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 FOX POINTE DR, SAINT CHARLES, MO 63304-7152
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 FOX POINTE DR, SAINT CHARLES, MO 63304-7152

Mortgage

Document Number	2021R023184
Date	Mar 16, 2021
Instrument	2021R-023184

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 FOX POINTE DR, SAINT CHARLES, MO 63304-7152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068200911
Date	Oct 10, 2017
Book Page	6820/0911
Instrument	20171010000633760

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$74,240 (-)	$390,739 (-) Land $70,000 Building $320,739
2025	$4,401.00 (+6.33%)	$74,240 (+7.05%)	$390,739 (+7.05%) Land $70,000 Building $320,739
2024	$4,139.00
2023		$69,348
2022			$364,991 Land $70,000 Building $294,991

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 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.

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 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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