545 Highfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 545 Highfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,482 sqft · built 1983
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (May 2019)
Tax Bill	$4,383 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`545940A101`

Property Details

APN / Parcel Number

Primary APN	`545940A101`
Alternative APN	`3-0114-5651-00-0112.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,482 sqft Living Area
Gross Area	3,963 sqft
1st Floor Area	2,082 sqft
Basement Area	837 sqft
Finished Basement	400 sqft
Unfinished Basement	437 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	1,044 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	114 sqft
Deck Area	Deck Area
Patio Area	345 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545940A101
Street Address	545 HIGHFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-7143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HUNTERS POINTE #3 LOT 112
Legal Subdivision	HUNTERS POINTE #3
Legal Lot Number	112
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2023
Census Tract	311322

Owner

545 Highfield Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	545 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
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

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 24, 2019	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	Jul 21, 2005 · Amount on File
Deed Document Number	2019251230
Deed Book / Page	7079 / 661
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	545 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073130412
Date	Jun 5, 2020
Book Page	7313/412
Instrument	20200605000375230

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2019
Property Address	545 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
Document Number	0070790661
Book / Page	7079 / 0661
Map Reference	MB 23 PGF 16&17
Instrument Date	May 16, 2019
Instrument	20190524000251230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2312 DARTMOUTH BEND DR, 2312, WILDWOOD, MO 63011-5426

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143

Mortgage

Document Number	20190524000251240
Date	May 24, 2019
Instrument	20190524000251240

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 545 Highfield Dr was $4,383.

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		$73,924 (-)	$389,074 (-) Land $70,000 Building $319,074
2025	$4,383.00	$73,924	$389,074 Land $70,000 Building $319,074
2023		$68,403
2022			$360,015 Land $70,000 Building $290,015

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 545 Highfield Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1982.

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

Wildfire risk around 545 Highfield 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 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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