5812 Walnut Crest Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5812 Walnut Crest Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,207 sqft · built 1988
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$133,800 (Feb 1998)
Tax Bill	$4,062 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A883001886`

Property Details

APN / Parcel Number

Primary APN	`A883001886`
Alternative APN	`3-157C-6264-00-0048.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,207 sqft Living Area
Gross Area	3,782 sqft
1st Floor Area	1,199 sqft
Basement Area	1,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
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	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883001886
Street Address	5812 WALNUT CREST CT
City	SAINT CHARLES
State	MO
Zip	63304-4568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALNUT CREEK #2 LOT 48
Legal Subdivision	WALNUT CREEK #2
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1005
Census Tract	311114

Owner

5812 Walnut Crest Ct is owned and occupied by two individuals who bought it in February 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	5812 WALNUT CREST CT, SAINT CHARLES, MO 63304-4568
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 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Nov 16, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
Jul 27, 2020	Deed of Trust, Mortgage PEOPLES SVGS BK/RHINELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 1998 · Amount on File
Deed Sale	Feb 11, 1998 · Amount on File
Prior Sale	Feb 4, 1997 · Amount on File
Deed Document Number	19989157
Deed Book / Page	2029 / 670
Prior Transfer Date	Feb 5, 1998
Prior Transfer Doc	0000009157
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5812 WALNUT CREST CT, SAINT CHARLES, MO 63304-4568
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5812 WALNUT CREST CT, SAINT CHARLES, MO 63304-4568

Mortgage

Document Number	0000044730
Date	Oct 30, 2023
Instrument	2023R-044730

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2038

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5812 WALNUT CREST CT, SAINT CHARLES, MO 63304-4568
Document Number	0000090565
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	ENTERPRISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5812 WALNUT CREST CT ST CHARLES MO 633044568, ST CHARLES, MO 63304-4568

Mortgage

Document Number	0000090565
Date	Nov 20, 2020
Instrument	90565

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 19, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5812 WALNUT CREST CT, SAINT CHARLES, MO 63304-4568
Document Number	0073671947
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5816 WALNUT CREST CT ST CHARLES MO 633044568, ST CHARLES, MO 63304-4568

Mortgage

Document Number	0073671947
Date	Aug 10, 2020
Book Page	007367/001947
Instrument	570530

Lender

Name	PEOPLES SVGS BK/RHINELAND
Type	Federal Savings Bank
Address	HERMANN, MO 65041

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 9, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5812 Walnut Crest Ct was $4,062.

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		$68,474 (-)	$360,387 (-) Land $65,000 Building $295,387
2025	$4,062.00	$68,474	$360,387 Land $65,000 Building $295,387
2023		$60,803
2022			$320,018 Land $65,000 Building $255,018

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 5812 Walnut Crest Ct 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 5812 Walnut Crest 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 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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