5515 Norgate Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5515 Norgate Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,243 sqft · built 2012
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$182,768 (Dec 2012)
Tax Bill	$3,388 (2025)
Deeds & Mortgages	Sep 2023 Sale Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T091500198`

Property Details

APN / Parcel Number

Primary APN	`T091500198`
Alternative APN	`3-0110-A559-00-0107.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,243 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	955 sqft
Unfinished Basement	333 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 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	T091500198
Street Address	5515 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 107
Legal Subdivision	MANORS AT COLUMBUS POINTE
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1002
Census Tract	311114

Owner

5515 Norgate Ct is owned and occupied by two individuals who acquired it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	5515 NORGATE CT, SAINT CHARLES, MO 63304-8042
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
Sep 12, 2023	Beneficiary Deed, Transfer
Sep 8, 2021	Intrafamily Transfer, Transfer
Apr 24, 2018	Deed of Trust, Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2012 · Amount on File
Deed Sale	Dec 31, 2012 · Amount on File
Prior Sale	Dec 29, 2011
Deed Document Number	20121004250
Deed Book / Page	5927 / 1729
Last Transfer Date	Jul 20, 2021
Transfer Doc	2021R075329
Record Updated	Oct 29, 2026

September 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 12, 2023
Property Address	5515 NORGATE CT, SAINT CHARLES, MO 63304-8042
Document Number	0000037341
Map Reference	MB 45 PG 269
Instrument Date	Sep 12, 2023
Instrument	2023R-037341
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 NORGATE CT, COTTLEVILLE, MO 63304-8042

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 8, 2021
Property Address	5515 NORGATE CT, SAINT CHARLES, MO 63304-8042
Document Number	2021R075329
Map Reference	MB 45 PG 269
Instrument Date	Jul 20, 2021
Instrument	2021R-075329
Transaction Type	Transfer
Record Updated	Sep 29, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 NORGATE CT, COTTLEVILLE, MO 63304-8042

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5515 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	0069090324
Date	Apr 24, 2018
Book Page	6909/0324
Instrument	20180424000222040

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35202

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5515 Norgate Ct was $3,388, up 7.5% from the year before.

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

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
2026		$54,893 (-)	$288,909 (-) Land $54,000 Building $234,909
2025	$3,388.00 (+7.45%)	$54,893	$288,909 Land $54,000 Building $234,909
2024	$3,153.00
2023		$50,609
2022			$266,363 Land $40,500 Building $225,863

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 5515 Norgate Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 5515 Norgate Ct is low, with 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	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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