549 Highfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 549 Highfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,476 sqft · built 1989
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on File
Last Sale	$420,000 (May 2026)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	May 2026 Sale Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`545940A100`

Property Details

APN / Parcel Number

Primary APN	`545940A100`
Alternative APN	`3-0114-5651-00-0111.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,476 sqft Living Area
Gross Area	3,646 sqft
1st Floor Area	1,084 sqft
Basement Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	65 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545940A100
Street Address	549 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 111
Legal Subdivision	HUNTERS POINTE #3
Legal Lot Number	111
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2023
Census Tract	311322

Owner

549 Highfield Dr is owned by a company that bought it in May 2026.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	Company Name on File
Mailing Address	1547 OAK KNOLL ST, DALLAS, TX 75208-2528
Owner Type	Company
Vesting	Limited Liability Partnership

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
May 20, 2026	Warranty Deed, Transfer INVESTORS LAND TITLE, INVESTORS TITLE
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Oct 31, 2023	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on File
Deed Sale	May 20, 2026 · Amount on File
Prior Sale	Oct 31, 2023 · Amount on File
Deed Document Number	202623833
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 20, 2026
Property Address	549 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
Document Number	0000023833
Instrument Date	May 19, 2026
Instrument	202623833
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1547 OAK KNOLL ST, DALLAS, TX 75208-2528

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	549 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 HIGHFIELD DR, HIGFIELD, MO 53304

Mortgage

Document Number	0000005813
Date	Jan 28, 2022
Instrument	2022R-005813

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 31, 2023
Property Address	549 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143
Document Number	0000044810
Map Reference	MB 23 PG 16
Instrument Date	Oct 27, 2023
Instrument	2023R-044810
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3867 GALLO DR, SAINT CHARLES, MO 63304-1410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 HIGHFIELD DR, SAINT CHARLES, MO 63304-7143

Mortgage

Document Number	0000044811
Date	Oct 31, 2023
Instrument	2023R-044811

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 549 Highfield Dr was $4,505.

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		$76,006 (-)	$400,030 (-) Land $70,000 Building $330,030
2025	$4,505.00	$76,006	$400,030 Land $70,000 Building $330,030
2023		$66,704
2022			$351,071 Land $70,000 Building $281,071

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 549 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 549 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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