622 Riverside Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 622 Riverside Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,558 sqft · built 1976
Lot Size	0.211 acres (9,200 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Jan 2018)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`549473A000`

Property Details

APN / Parcel Number

Primary APN	`549473A000`
Alternative APN	`3-0009-4987-00-0098.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,558 sqft Living Area
1st Floor Area	1,203 sqft
Basement Area	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	9,200 sqft
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	185 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	549473A000
Old Parcel Number	549473A000
Street Address	622 RIVERSIDE DR
City	SAINT CHARLES
State	MO
Zip	63304-7945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PINE WOODS LOT 98
Legal Range	04E
Legal Township	46N
Legal Subdivision	PINE WOODS
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3016
Census Tract	311331

Owner

Source: St. Charles County records, as of March 16, 2026

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	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2020	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Jan 2, 2018	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2018 · Amount on Record
Deed Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	0068612166
Deed Book / Page	6861 / 2166
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 TIVERSIDE DR, WELDON SPRING, MO 63304

Mortgage

Document Number	0000062223
Date	Jul 26, 2021
Instrument	2021R-062223

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072400286
Date	Mar 2, 2020
Book Page	7240/286
Instrument	20200302000126470

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Document Number	0000067574
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 RIVERSIDE DR ST CHARLES MO 633047945, ST CHARLES, MO 63304-7945

Mortgage

Document Number	0000067574
Date	Sep 14, 2020
Instrument	67574

Lender

Name	NEIGHBORS CU
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 13, 2045

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 2, 2018
Property Address	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Document Number	0068612166
Book / Page	6861 / 2166
Map Reference	MB 16 PG 20-22
Instrument Date	Dec 18, 2017
Instrument	20180102000003230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945

Mortgage

Document Number	20180102000003240
Date	Jan 2, 2018
Instrument	20180102000003240

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,006.00	$49,960 (+11.94%)	$262,947 (+11.94%) Land $60,000 Building $202,947
2023		$44,632
2022			$234,906 Land $60,000 Building $174,906

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 units insured incl. 4 condo units
Nearby Flood Claims	6 (1979–2020)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 431 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

Nearby Properties on Riverside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures