535 Ross Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 535 Ross Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 2005
Lot Size	1.2 acres (52,338 sqft)
Owner	2 Individual Names on File
Last Sale	$238,500 (Aug 2023)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`539730A000`

Property Details

APN / Parcel Number

Primary APN	`539730A000`
Alternative APN	`3-0009-S007-00-0017.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	52,338 sqft
Lot Dimensions	183 ft deep x 286 ft wide
Porch	Open Porch
Porch Area	60 sqft

Location & Zoning

Account Number	539730A000
Street Address	535 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	SE FRL 1/4 PT SUR 285
Legal Subdivision	US SURV 285
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1004
Census Tract	311221

Owner

535 Ross Ln is owned and occupied by two individuals who bought it in August 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	535 ROSS LN, SAINT CHARLES, MO 63304-5588
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Document Number	202335305
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2023
Property Address	535 ROSS LN, SAINT CHARLES, MO 63304-5588
Document Number	0000035305
Instrument Date	Aug 25, 2023
Instrument	2023R-035305
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 CASTLE STUART CT, O FALLON, MO 63368-4204

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	535 ROSS LN, SAINT CHARLES, MO 63304-5588
Investor	Possibly a Property Investor

Mortgage

Document Number	0000035306
Date	Aug 30, 2023
Instrument	2023R-035306

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 535 Ross Ln was $2,098.

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		$35,624 (-)	$187,491 (-) Land $32,500 Building $154,991
2025	$2,098.00	$35,624	$187,491 Land $32,500 Building $154,991
2023		$31,223
2022			$164,329 Land $31,250 Building $133,079

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

FEMA maps place 535 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	Severe Storms & Flooding, Jul 1993 · 7 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

Wildfire risk around 535 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 99.1% of the US · lower than 98.2% 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 221 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

May also be available: Wisper ISP.

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