540 Chele Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 540 Chele Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,482 sqft · built 1983
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$217,000 (Aug 2021)
Tax Bill	$2,989 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`522240A039`

Property Details

APN / Parcel Number

Primary APN	`522240A039`
Alternative APN	`3-0115-5536-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,242 sqft
Basement Area	500 sqft
Finished Basement	240 sqft
Unfinished Basement	260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	522240A039
Street Address	540 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 36
Legal Subdivision	MCCLAY FOREST #2
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1006
Census Tract	311221

Owner

540 Chele Dr is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 CHELE DR, SAINT CHARLES, MO 63304-5533
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 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Apr 6, 2012 · Amount on File
Deed Document Number	202169773
Prior Transfer Date	Sep 28, 2011
Prior Transfer Doc	0000582160
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2021
Property Address	540 CHELE DR, SAINT CHARLES, MO 63304-5533
Document Number	0000069773
Map Reference	MB 22 PG 62
Instrument Date	Aug 12, 2021
Instrument	2021R-069773
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 SILVER FERN DR, 1304, LAKE SAINT LOUIS, MO 63367-4701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHELE DR, SAINT CHARLES, MO 63304-5533

Mortgage

Document Number	0000069774
Date	Aug 19, 2021
Instrument	2021R-069774

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 540 Chele Dr was $2,989.

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		$50,260 (-)	$264,524 (-) Land $50,000 Building $214,524
2025	$2,989.00	$50,260	$264,524 Land $50,000 Building $214,524
2023		$54,232
2022			$285,434 Building $285,434

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 540 Chele Dr 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 540 Chele Dr 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.

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 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