St. Charles County property record for 56 Whitehaven Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,453 sqft · built 1993 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $106,300 (Sep 2014) |
| Tax Bill | $3,735 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Jun 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000213 |
| Primary APN | A943000213 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,453 sqft Living Area |
| Gross Area | 3,257 sqft |
| 1st Floor Area | 1,453 sqft |
| Basement Area | 1,404 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | Deck Area |
| Patio Area | 460 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943000213 |
|---|---|
| Street Address | 56 WHITEHAVEN CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAMBRIDGE CROSSING #2 LOT 192 |
| Legal Subdivision | CAMBRIDGE CROSSING #2 |
| Legal Lot Number | 192 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311150 |
56 Whitehaven Ct is owned and occupied by an individual who bought it in September 2014.
Source: St. Charles County records, as of August 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 56 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 6, 2021 | Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU |
| Jun 26, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2014 · Amount on File |
| Deed Sale | Sep 18, 2014 · Amount on File |
| Deed Document Number | 2014516330 |
| Deed Book / Page | 6242 / 1895 |
| Prior Transfer Date | Sep 12, 2014 |
| Prior Transfer Doc | 0062421897 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 56 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 66 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Document Number | 2021R056733 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | 2021R-056733 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 56 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069390540 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 6939/0540 |
| Instrument | 20180626000035542 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 56 WHITEHAVEN CT, SAINT CHARLES, MO 63304-6969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073101507 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 7310/1507 |
| Instrument | 20200603000366400 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 56 Whitehaven Ct was $3,735, up 9.9% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,735.00 (+9.89%) | $62,926 | $331,189 Building $331,189 |
| 2024 | $3,399.00 | ||
| 2023 | $56,859 | ||
| 2022 | $299,260 Land $50,000 Building $249,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 56 Whitehaven Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 56 Whitehaven Ct 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 357 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 |
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