5638 Walnut Point Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5638 Walnut Point Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,002 sqft · built 1992
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Feb 2018)
Tax Bill	$3,795 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A883001612`

Property Details

APN / Parcel Number

Primary APN	`A883001612`
Alternative APN	`3-157C-6263-00-0062.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,002 sqft Living Area
Gross Area	3,368 sqft
1st Floor Area	1,016 sqft
Basement Area	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	136 sqft
Deck Area	Deck Area
Patio Area	310 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883001612
Street Address	5638 WALNUT POINT LN
City	SAINT CHARLES
State	MO
Zip	63304-4540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALNUT CREEK #1 LOT 62
Legal Subdivision	WALNUT CREEK #1
Legal Lot Number	62
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1005
Census Tract	311114

Owner

5638 Walnut Point Ln is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5638 WALNUT POINT LN, SAINT CHARLES, MO 63304-4540
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
Oct 7, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 23, 2018	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on File
Deed Sale	Feb 23, 2018 · Amount on File
Prior Sale	Jun 23, 2005 · Amount on File
Deed Document Number	201898030
Deed Book / Page	6882 / 1989
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0068821989
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5638 WALNUT POINT LN, SAINT CHARLES, MO 63304-4540
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R083644
Date	Oct 7, 2021
Instrument	2021R-083644

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5638 WALNUT POINT LN, SAINT CHARLES, MO 63304-4540
Document Number	0000100833
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5638 WALNUT POINT LN ST CHARLES MO 633044540, ST CHARLES, MO 63304-4540

Mortgage

Document Number	0000100833
Date	Dec 22, 2020
Instrument	100833

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Dec 21, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 23, 2018
Property Address	5638 WALNUT POINT LN, SAINT CHARLES, MO 63304-4540
Document Number	0068821989
Book / Page	006882 / 001989
Instrument Date	Dec 18, 2017
Instrument	98030
Transaction Type	Transfer
Record Updated	Mar 2, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5638 WALNUT POINT LN ST CHARLES MO 633044540, ST CHARLES, MO 63304-4540

Mortgage

Document Number	68821992
Date	Feb 23, 2018
Book Page	006882/001992
Instrument	98040

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5638 Walnut Point Ln was $3,795, up 11.4% from the year before.

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		$63,954 (-)	$336,598 (-) Land $65,000 Building $271,598
2025	$3,795.00 (+11.42%)	$63,954	$336,598 Land $65,000 Building $271,598
2024	$3,406.00
2023		$56,976
2022			$299,873 Land $65,000 Building $234,873

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 5638 Walnut Point Ln in Zone X, an area of minimal flood risk.

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	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 5638 Walnut Point Ln 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 99.1% of the US · lower than 98.2% 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	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 486 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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