543 Chele Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 543 Chele Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1983
Lot Size	0.235 acres (10,251 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Sep 2019)
Tax Bill	$2,617 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`522240A072`

Property Details

APN / Parcel Number

Primary APN	`522240A072`
Alternative APN	`3-0115-5561-00-0056.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	1,104 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,251 sqft (0.235 acres)
Lot Dimensions	153 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	522240A072
Street Address	543 CHELE DR
City	SAINT CHARLES
State	MO
Zip	63304-5531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MCCLAY FOREST #3 LOT 56
Legal Subdivision	MCCLAY FOREST #3
Legal Lot Number	56
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1004
Census Tract	311221

Owner

543 Chele Dr is owned and occupied by an individual who bought it in September 2019.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	543 CHELE DR, SAINT CHARLES, MO 63304-5531
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	Name on Deed
Last Sale	Sep 26, 2019 · Amount on File
Deed Sale	Sep 26, 2019 · Amount on File
Prior Sale	Jun 25, 2007 · Amount on File
Deed Document Number	2019528810
Deed Book / Page	7149 / 1791
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 26, 2019
Property Address	543 CHELE DR, SAINT CHARLES, MO 63304-5531
Document Number	0071491791
Book / Page	007149 / 001791
Instrument Date	Sep 23, 2019
Instrument	528810
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	US TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 CHELE DR ST CHARLES MO 633045531, ST CHARLES, MO 63304-5531

Mortgage

Document Number	71491793
Date	Sep 26, 2019
Book Page	007149/001793
Instrument	528820

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 543 Chele Dr was $2,617.

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		$43,958 (-)	$231,359 (-) Land $50,000 Building $181,359
2025	$2,617.00	$43,958	$231,359 Land $50,000 Building $181,359
2023		$46,822
2022			$246,432 Building $246,432

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 543 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 543 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