5501 Norgate Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5501 Norgate Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,776 sqft · built 2012
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2018)
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500205`

Property Details

APN / Parcel Number

Primary APN	`T091500205`
Alternative APN	`3-0110-A559-00-0114.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	888 sqft
Basement Area	888 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500205
Street Address	5501 NORGATE CT
City	SAINT CHARLES
State	MO
Zip	63304-8042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT COLUMBUS POINTE LOT 114
Legal Subdivision	MANORS AT COLUMBUS POINTE
Legal Lot Number	114
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1002
Census Tract	311114

Owner

Source: St. Charles County records, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5501 NORGATE CT, SAINT CHARLES, MO 63304-8042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Prior Sale	Dec 27, 2016 · Amount on Record
Deed Document Number	2018222570
Deed Book / Page	6909 / 648
Prior Transfer Date	Dec 9, 2016
Prior Transfer Doc	0066741230
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5501 NORGATE CT, SAINT CHARLES, MO 63304-8042
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050909
Date	Sep 15, 2022
Instrument	2022R-050909

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5501 NORGATE CT, SAINT CHARLES, MO 63304-8042
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5501 NORGATE CT, COTTLEVILLE, MO 63304-8042

Mortgage

Document Number	0000631520
Date	Aug 28, 2020
Book Page	7384/867
Instrument	20200828000631520

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5501 NORGATE CT, SAINT CHARLES, MO 63304-8042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069110830
Date	Apr 30, 2018
Book Page	6911/0830
Instrument	20180430000232510

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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
2025	$3,555.00 (+6.98%)	$57,622 (+8%)	$303,273 (+8%) Land $49,088 Building $254,185
2024	$3,323.00
2023		$53,353
2022			$280,807 Land $36,816 Building $243,991

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

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	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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 369 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 · 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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