St. Charles County property record for 54 Whitehaven Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,873 sqft · built 1993 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Aug 2021) |
| Tax Bill | $3,591 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000211 |
| Primary APN | A943000211 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,873 sqft Living Area |
| Gross Area | 3,297 sqft |
| 1st Floor Area | 1,473 sqft |
| Basement Area | 1,424 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 1,024 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 64 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943000211 |
|---|---|
| Street Address | 54 WHITEHAVEN CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAMBRIDGE CROSSING #2 LOT 190 |
| Legal Subdivision | CAMBRIDGE CROSSING #2 |
| Legal Lot Number | 190 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311150 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 54 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | May 19, 1998 · Amount on Record |
| Deed Document Number | 202172083 |
| Prior Transfer Date | Mar 11, 2014 |
| Prior Transfer Doc | 0061612336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 54 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 54 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Document Number | 0000022945 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | 2023R-022945 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 3, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 27, 2021 |
| Property Address | 54 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Document Number | 2021R072083 |
| Map Reference | MB 31 PG 122&123 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021R-072083 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 ASHFORD OAKS CT, 1600, WILDWOOD, MO 63038-1365 |
| Name | Verified Name |
|---|---|
| Address | 54 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Document Number | 2021R072084 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021R-072084 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $60,489 (-) | $318,362 (-) Building $318,362 | |
| 2025 | $3,591.00 | $60,489 (+10.48%) | $318,362 (+10.48%) |
| 2023 | $54,750 | ||
| 2022 | $288,160 Land $50,000 Building $238,160 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 283 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 |
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